Loan Modification Programs

We will pre-qualify you for all federal loan modification and lender programs, while protecting your rights. We will advise you of all your options and the best strategy to protect your home. The following are the most common federal loan modification programs offered by President Obama.

Even if your lender said, "you do not qualify for loan modification", we can help. We offer loan modification and foreclosure defense services.

HAMP – The Home Affordable Modification Program. If you are having difficulty making your monthly payments you may qualify for a loan modification, which allows you to lower you monthly payments by up to half. You MAY be able to lower your interest rate as low as 2%, obtain a fixed lower monthly payment, and prevent foreclosure.

HARP - HARP (Home Affordable Refinance Program) and HAMP (Home Affordable Modification Program). Both these programs give you an opportunity to refinance your loan. If you are stuck with an underwater mortgage with a value of 105% to 125% of the property, then you can apply for refinancing under HARP. You will have to fulfill certain eligibility criteria in order to get benefits under HARP. Various aspects such as your credit history, the structure of the loan and the specific lender guidelines would determine if you qualify for HARP.

HASP - stands for Homeowner Affordability and Stability Plan. Provide Access to Low-Cost Refinancing for Responsible Homeowners Suffering From Falling Home Prices: Under current rules, most families who owe more than 80 percent of the value of their homes have a difficult time securing refinancing. Yet millions of responsible homeowners who put money down and made their mortgage payments on time have – through no fault of their own – seen the value of their homes drop low enough to make them unable to access these lower rates.

We prepare the documents and negotiate on your behalf with the lender to get you the best loan modification program available.