Avoid Foreclosure – Get Help Today!

If you are a home owner and have missed any payments on your home loan or are concerned that you might begin to miss payments, then you want to know your options and act promptly before your mortgage lender sells your home out from under you. Unfortunately one in every 200 homes in California is being put up for sale in a foreclosure or trustee sale.  Here at the Loan Modification Legal Center, we help many distressed and frustrated homeowners save their home from such a sale caused by missed mortgage loan payments.  We have the real estate and legal expertise in agressively negotiate with your lenders a loan modification in order to help you keep your primary residence and save your credit from dropping into a hole for the next 10 years which in reality, a foreclosure could cause you.  There is still time to modify the terms of your current mortgage loan even if a notice of foreclosure or trustee sale has been issued by your lender.  We can help you:

• Reduce Your Monthly Mortgage Payment(s)
• Lower the Interest Rate
• Switch your Adjustable Rate to a Fixed Rate
• Extend the Repayment Term (potentially up to 40 years)
• Decrease the Principal (Balance Due)

Loan Modification - Getting Started...

Frustrated with Your Mortgage Lender – Let us Help!

Many homeowners are at their wits end trying to get approved for a loan modification and just need an experienced legal group who knows how to work with their mortgage lenders to get things done in a timely fashion.  We can empathize with many of you homeowners who have tried in times past to apply for a loan modification on your own.  Many of you have sent the same requested documentation into your mortgage lender over and over only to be put through headache after headache as you wait indefinitely for an answer from one of the many representatives you have spoken to about your financial hardship.  It is not surprising to us that only about 20% of homeowners applying for a loan modification in our country are actually being accepted and put into an affordable and permanent loan modification.

The White House and US Treasury anticipated between 3-4 million homeowners would have benefitted by the Home Affordable Modification Program (HAMP) thus far, but in actuality HAMP has only helped just over 900,000 homeowners since being introduced in March 2009.  They took billions of taxpayer dollars in the form of bailouts.  They have been provided the financial incentive to be compensated by the US Treasury for approving loan modifications.  Yet in general mortgage loan servicers have not responded well to the bailouts and incentives our federal government has provided them.  It is no wonder the US Treasury has recently been advising policy makers to reform how home loan servicers are regulated in the future.  You deserve to know if you actually qualify for a federally sponsored program that could modify your current mortgage.  Let LMLC help you qualify today.

Loan Modification - Getting Started...

We Understand Your Time Is Precious

We realize many of you have taken the time away from your family, work and weekend play time to be patient with your lender(s) over the phone as they transfer you endlessly from one department to another.  Isn’t it time to stop wasting your time and allow LMLC to go to work for you?

Loan Modification - Getting Started...