Options for loan modification

There Are Real Options Available!
Fill out this pre-modification form and receive an in depth analysis within 30 Min.
(Monday through Friday standard business hours mountain standard time)

#YesNoQuestion
1 Is this your primary residence?
 
2 Do you owe less than or equal to 729,750 on your first mortgage
 
3 Do you have a first mortgage lien that originated before January 1, 2009?
 
4 Is your mortgage payment including (taxes, insurance and HOA's) greater than 31% of your monthly gross (pre-tax) income?
 
5 Have a mortgage payment that is not affordable due to financial hardships?

Click here if you would just like to learn more about loan modifications.
loan modification info pdf
ACME Loan Modification - What you need to know

If for some reason you don't end up qualifying for the HAMP program it doesn't mean that there aren't options available to you. Each bank has their own modification programs in addition to the HAMP offered by the government. The philosophy is the same whether backed by the government or not. Percentages and debt to income ratios may be slightly different but, in the end, the decision to offer the modification is based on what is in the bank's best financial interest. Your job, is to show that it makes better sense for the bank to keep you in your home and allow you continue to pay for it rather than to foreclose. With today's declining values and large amounts of foreclosed and vacant properties there is a high level of motivation to keep homeowners in their homes. WE CAN HELP.

Have you tried to refinance your mortgage but don't qualify?

  • Are you worried that you may lose your home?
  • Are you consistently late or behind on your mortgage payments?
  • Have you received a notice of default?
  • Do you feel threatened by possible bankruptcy or foreclosure?

"HAMP" - the Home Affordable Modification Program

As Americans we are all very concerned with the current state of our economy. Many are facing tremendous hardship and loss. There have been some measures put into action to help today's housing crisis. "HAMP" or the Home Affordable Modification Program is the Obama Administration's strategy to get the housing market back on track. Although it's important to understand how our nation arrived at where we are today and what processes are being put in place to make changes for the future. Our focus is specifically on the steps that are necessary to prepare a compelling case for a loan modification.

There are REAL options available.

Let us help, we will:

  • Run a "Pre-Modification Analysis" to identify whether or not you are a good candidate for a modification.
  • Help you understand the options available to you, including answer questions on the government modification programs.
  • Help you create a game plan to correct any potential issues that the analysis might uncover which would prevent you from a successful outcome.
  • Provide information that you would need if you decide to attempt a modification on your own.