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ACCREDITED MORTGAGE MODIFICATIONS |
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NATIONWIDE APPROVAL - 50 STATES
LOAN MOD HOME PAGE ▪ LOAN MOD CONDITIONS ▪ LOAN MOD QUESTIONS ▪ LOAN MOD SUCCESS ▪ LOAN MOD CONCERNS We are pleased to offer a Loan Modification program to ALL Homeowners Nationwide in all 50 states. No matter "who" your lender is, or "where" your home is located, we can help modify your current mortgage. Please call or email
Homeowners who can prove
they need a modification. Depending on the situation, the
homeowner can be either up to date on their payments, or behind.
Homeowner's that are eligible for modification are those with negative
amortizing loans, those with loans that are about to adjust, those who are
upside down on their loan and those who would rather keep their home than
do a short sale. Basically, the bigger the hardship you are having,
the more negotiating power you have with your lender. Remember, your
lender does not want to foreclose on you, if they can avoid it. They would
rather keep you in your home and create a solution that will be affordable
to you What makes you different from other companies? Florida Mortgage Corporation has an Extensive Mortgage Background. We understand what lenders are thinking, the formulas they are using, and how their processes work. We can easily understand mortgage documents and the different state and federal disclosures. We have many YEARS of extensive and broad experience with ALL the various loan programs in the mortgage industry. We also have many years of knowledge and experience regarding all the lenders nationwide. Whether it's working with the Bank's loss mitigation department, legal department, operations department, etc., we understand the language and procedure. Modification companies that do NOT have a mortgage background are at a distinct DISADVANTAGE. Lenders STRONGLY PREFER to work with mortgage professionals! What is a Loan Modification? A Loan Modification is a negotiation between a lender and a borrower that results in the terms of the existing loan being restructured without refinancing. The rate and terms of your loan are restructured to fit your current financial situation.
A Loan Modification or mortgage modification is a great solution if you cannot refinance because of numerous reasons… poor credit, mortgage balance is higher than the value of the home, loss of income, etc. And, the closing costs are much less than refinancing! Loan Modification is a permanent solution to your situation and is not meant to be used as a temporary stop to the foreclosure process. Why do you have more success? Our very extensive mortgage background and mortgage industry experience is a tremendous advantage. We have open lines of communication with most lenders in the USA, which gives us the ability to negotiate directly with the person who is in charge of making a decision on your loan. We also create a professional case file on your behalf, which includes all of your financial data such as income, assets, expenses, and unexpected intangible expenses. We couple this with a full property analysis and package this together in a file that makes it easy for the lender to read and understand, allowing for a more comprehensive and quicker response than you would get through other forms of negotiation. Our MORTGAGE experience truly sets us apart. NATIONWIDE APPROVAL - 50 STATES How do I know who is
the right Loan Modification company for me? Please visit: http://www.floridamortgagecorp.com/loan_modification_facts.htm for detailed information about the Loan Modification industry and what to look for. Modifying a loan successfully, requires a professional Loan Modification specialist. "Credibility" is extremely important, otherwise how will you truly know if you can be helped. Our major advantage is that we are mortgage experts. Lenders STRONGLY PREFER to work with mortgage professionals! How do you do it? In these market conditions, the banks and lenders have been mandated by the Federal government to do everything possible to work out a payment plan with their borrowers. This is great for today's borrowers, especially for those who are running late on their payments or are having trouble making them on time. The banks and lenders would rather take less money and keep you in your home making a payment that you can afford, rather than go through the expense of foreclosing on the home, hiring a listing agent, rehabilitating a home, and letting it sit empty on the market for months, only to lose thousands in the process. We currently work with almost every major lender and several small lenders and banks in the USA (50-states) to secure a Loan Modification to help them help you. In many cases we have actually taught smaller banks and lenders how to go about completing a Loan Modification. Within 72 hours after receiving your complete package, we will contact your lender to notify them that we will be negotiating a Loan Modification on your behalf. From then on, we will be working with you and your lender in order to find a solution to your mortgage concerns.
What about an "Attorney Backed" Loan Modification company? Being "backed" by an attorney can mean anything from their being in the office a couple of hours a day - or more likely - a couple of hours a week to sign letters and deal with issues. That is, if the attorney actually exists. If they are "attorney backed" or affiliated , ask for the name of the Law Firm and their address. Also, ask for the name of the actual attorney (person) who is involved in the loan modification process. And while you are trying to establish credibility, also ask them if the named attorney (person) can practice law in your state. Don't be surprised if you get NO information. Loan Modification companies advertise "attorney backed", but rarely can provide any proof or verification. What if my credit is bad? A loan modification is not based on credit. Lenders are trying to turn a non performing loan into a performing loan. NATIONWIDE APPROVAL - 50 STATES What paperwork do I need to complete the process? We provide you with a complete list of the loan documents that will be needed to complete the process and prepare the case file. After we receive these items from you, we can begin your Loan Modification process. Keep in mind, we are EXPERTS in loan documentation. We know what documents and information is required to submit to your lender for a successful Loan Modification Approval. Remember, your personal financial information is confidential and sensitive. Are you comfortable in submitting personal and confidential information to a company that is NOT in the mortgage business?? Remember that time is not on your side, so if you are unhappy with your mortgage payments, don't delay and call us immediately for a free and confidential consultation. We want to help you keep your home, period. LOAN MOD HOME PAGE ▪ LOAN MOD CONDITIONS ▪ LOAN MOD QUESTIONS ▪ LOAN MOD SUCCESS ▪ LOAN MOD CONCERNS
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rather than have your loan go into delinquent status.
