We are an association that offers a number of benefits and services designed to assist homeowners and consumers who are working their way through a financial difficulty. Because financial hardships come in many forms, we also offer services for debt settlement and credit repair.
Built upon the ideal that our company is only as strong as the service we provide to our clients; we have always understood that each client has a different hardship and a different need.
Our “client focus” philosophy strives to meet those needs through quality service and individual attention during your time of hardship. We have made a commitment to saving the American Dream.
Our experienced Loan Modification team provides real solutions for many Americans who are facing trouble because of their mortgages. Whether you have an ARM that has recently skyrocketed a severe loss in property value, have suffered a loss in income, or you simply are finding that your current mortgage payment is more than you can handle, we can help.
Put the Most Qualified Team to Work for You
We bring together the finest professionals in the industry, including mortgage specialists, title specialists, former compliance officers of lending institutions, settlement specialists, and real estate and finance attorneys.
Our winning combination will give you the best results available.
Let an Expert Handle Your Forensic Loan Audit
Our Attorneys will leverage the law and force your bank to cooperate in modifying your loan through the use of a Cure Notice. Faced with a report that exposes violations many lenders will choose to modify the borrower’s loan rather than facing the alternatives of foreclosure, litigation, and federal fines. Under such circumstances, Loan Modification is the most economically wise choice.
Our Team of
Mortgage Experts and Attorneys Will
Examine Your Loan for Truth
in Lending Act Violations, RESPA
Violations, Fraud, and
Misrepresentation.
This service is very
specialized and imperative in
identifying if a borrower is a
victim of predatory lending.
We review all loan documents and
perform a thorough investigation for
miscalculations so that your
attorney can determine if the loan
terms are accurate, truthful, and
meet the requirements of the
applicable federal statutes.
Our #1 goal is to highlight information about your loan so that we can determine whether there were violations of federal law. If these violations are found by the attorney, then the borrower (you) may be eligible for complete relief of the predatory loan. This is known as a loan rescission. Meaning the lender takes back the "predatory loan" and awards or credits back to the borrower all interest made on payments thus far, loan origination fees, all applicable lender fees, penalties and attorney's fees.
However, in most cases the borrower may be ineligible to rescind their loan because they are just too far underwater to obtain a mortgage and their credit rating may have been adversely affected by the loan that has caused them pain and suffering. The most common option under these circumstances is to negotiate with the lender and fight for an affordable loan modification based on the violations discovered during the audit and the borrowers' current financial situation. As a result the homeowner has their loan modified and may have their principal balance reduced as well.
