Helpful Articles


Loan Modification, Loss mitigation


If you have a hardship and are having trouble making your mortgage payments and need a lawyer to help negotiate a reasonable settlement, stop a foreclosure on your home or modify your loan and lower your payments to an amount that makes it affordable for you, we will act on your behalf, aggressively and competently, to get you the results you need.  

  • Instantly Stop Foreclosure
  • No equity needed
  • Get Lower Fixed Rate
  • Credit not a factor.

On October 1, 2008 the U.S. Department of Housing and Urban Development (HUD) instituted the Hope for Homeowners Program under the FHA lender program.

Designed to directly help those homeowners where :

· Their mortgage exceeds the value of their home.

· They are on an adjustable rate mortgage.

· They have a high fixed interest rate.

· They are behind, or in foreclosure.

· May have income/job issues.

The program effectively reduces the current mortgage (including second mortgages, late payments, attorney fees, and etc) to 90% of the homes CURRENT market value based on a FHA approved appraisal. This can save tens of thousands in mortgage balance, and hundreds to thousands in mortgage payments.

Credit score does not matter, and even homes in the foreclosure process qualify. These are the lowest 30 year FIXED rate mortgages with NO prepayment penalties and these new loans are also FHA insured. If you cannot afford your current loan, do not own a second home, and your mortgage was originated before 2008; you can qualify for help with this new program.

 Advance Fees and Loan Modification Services
If you are behind in your mortgage payments, you may be contacted by individuals or companies that will offer to help you work out a loan modification with your lender or provide other services to you in order to help you prevent a foreclosure on your home and lower your monthly payments that you can afford.

You must be very careful if you are asked to pay for any of these services in advance, whether in cash, check or by charging your credit card unless you are contracting with an attorney service..

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Contact to find out more about the products and services we can provide Tel 949-733-0607 | 800-303-7622 | Fax 949-733-1238
Copyright 2008