Foreclosure Defense and Mortgage Help Center 866-542-2647

Mortgage Modification and Foreclosure Defense

The presidents "Making Home Affordable" and "Home Affordable Modification Program" program includes two major parts, refinancing and loan modification.

If you have not made any late payments in the last 12 months, and your home value is near the value of your mortgage, then you may be able to refinance . If you are behind on your payments, but could afford a lower payment, then the modification plan may be right for you.

In any case, fill in the form to the right or call 1-866-542-2647 for a free consultation.

Recent data shows that up to 50% of modified loans redefault because the offer that the bank makes is as unsustainable as the original terms.

You must be vigilant in your negotiations with your lender. It is best to get third party representation from an attorney, CPA or licensed mortgage broker that can negotiate on your behalf.

If you have bad credit and can not refinance and you can not get a loan modification, then you may want to look into a short sale . This is when you sell your property to a third party for less than you owe, contingent on if the lender will release you from the loan. This prevents a foreclosure and doesn't reflect as negatively on your credit as a foreclosure would.

Find out if you qualify for these Federal Government Programs

(HAMP)Home Affordable Mortgage Modification Program
(HAFA) Home Affordable Foreclosure Alternatives (Short Sale)

FILL OUT THIS SHORT FORM OR CALL 866-542-2647 FOR A FREE CONSULTATION, ATTORNEYS ARE STANDING BY.

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(Example: 200000)

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All information collected is treated as strictly confidential and will only be used for the purposes of a foreclosure loss mitigation or loan modification consultation. We will never sell your name to a third party marketer. You agree to allow our consultants to call even if you are on the do not call list.

What is a mortgage loan modification?
Loan modification is when you and your existing lender agree to permanently change the terms of your original note. A loan modification is more than just foreclosure prevention. A successful modification is affordable and permanent.

Why would the banks want to renegotiate?
The banks would rather change the terms of the loan to a payment that you can afford than take the property through foreclosure. This will allow them to keep the loan on their books at full value rather than being forced to mark it down according to current mark-to-market accounting rules.

Do I qualify for a loan modification?
There are many factors that determine on what basis a lender will modify a loan. Equity, income, payment history, debt ratio and many other factors. An experienced loss mitigation consultant can guide you as to the best approach to take. Every case is different. If you are employed and can prove your income and if your current payment or future payment is unaffordable, then you probably qualify.

Who is Leadsnet Inc.?
Leadsnet Inc is a privately held leads provider. We provide the information that you submit to attorneys and consultants. Your personal details will be made available to a maximum of three companies. We don't sell your information to marketing companies or third parties for any reason other than the free consultation that you are registering for. We are not affiliated with any government agency.

Click here for Short Sale information.