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Current on mortgage payments?
Is it getting more difficult each month to make your payments? We can help by renegotiating your current mortgage to a lower, more affordable payment. You do not have to be late to take advantage of the current economic conditions.
Normally lenders would only grant a loan modification if a home owner was three or more months behind.
The reason is because these delinquencies proved that the home owners were in need of help. Lenders recently realized and understand the importance of keeping a performing loan performing.
Becoming delinquent is not a good idea for the home owner or the lender, so to keep home owners making timely payments lenders are now approving loan modifications for home owners that can show a hardship. Once you start to miss payments, your credit will be affected negatively which will make it more difficult and expensive to buy anything on credit in the future. It is important to start the loan modification process before you get into trouble.
The key to accomplishing a successful loan modification is a genuine "hardship" and "risk of imminent default." A hardship is defined as an event that has made it more difficult to pay your bills. This could be anything from unemployment, decrease in income, divorce, separation, medical bills, too much debt, death of spouse, payment increase, military service, incarceration, illness, or even having a child.
Risk of imminent default means the home owner has experienced one or more of these hardships, his payments are no longer affordable and if nothing is done to help the situation the home owner will not be able to continue to make his payments.
We specialize in working with home owners that are current on there loans, but are having a difficult time making there payments. Contact us today to and speak to one of our experts on exactly how we can help.