Home Loan Lawyers Can Save Homes

Big Banks Have Lawyers – You Should Too

Regardless of what has happened to cause the problem, when homeowners find they can’t pay their mortgage as planned, usually a couple things happen. While most banks will allow a borrower to fall behind for a month or so, foreclosures are still a very real part of life today and if a loan becomes severely delinquent, homes will be repossessed.

This can come about for a number of reasons like unexpected medical expenses, the loss of a job, a death in the family and more bad things which happen to good people.

Any legal representation worth the money being paid for the services would recommend an immediate filing for a home loan modification application. Such a form would need to be filled out and put into the works immediately; today, not tomorrow, next week or when some free time appears.

For each extra day a payment is late, one’s credit suffers worse. Every step along the way to actual foreclosure is another hit imperiled homeowners could avoid with a home loan modification.

Don’t Settle for Anything Less than the Best

It’s a fact that the banks trying to foreclose on homes have high-powered, experienced lawyers doing the dirty work for them. While finding dirty or shady legal representation is questionable, sometimes getting someone who has experience dealing with the worst is the best way to gain protection from those same predators. This is all moot if a foreclosure isn’t imminent, of course.

In the event a home loan is still in good standing but could use an adjustment for other reasons to remain viable, a home loan modification lawyer could provide some of the best possible insight and advice on how to go about the process.

Make Home Affordable programs can save people from losing their houses but there are lots of forms, filing and other work to do, some of which is very complicated.

Because of all the delicate matters which could directly impact a person’s life if they are improperly handled, getting a great home loan modification lawyer is essential.

Homeowners who believe they can negotiate their way out of the same bad deal they made originally often forget they’re pretty bad at making deals. Face it or don’t, but it’s a fact which must be considered when it comes to saving one’s credit and place of residence.

The FTC or Federal Trade Commission recently introduced even more legislation to help homeowners who find they’re in over their heads when it comes to making mortgage payments.

They’re cracking down on fraudulent bank practices right from the start too by banning them from collecting fees for renegotiations until an affirmative decision has been reached by both homeowner and lender.

Basically, this means they can’t collect money or impose fees solely for considering a home loan modification. This Mortgage Assistance Relief Service also requires lenders to cooperate fully with the federal government, something which greatly increases transparency both from the upper end and the homeowner’s side as well.

There is a lot of information to take in and for people with a full time job to worry about, home loan modification lawyers are the obvious choice to handle these matters.


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Comments ( 9 )

[…] that you know how it can help you, qualifying for the assistance available through HAMP and other programs becomes the next step. It’s a difficult one too, full […]

HAMP | Home Affordable Modification Program added these pithy words on Feb 03 15 at 8:15 am

I’ve tried this route and was scamed how much do you charge
On SSDI now was working living American Dream then got sick then my husband was out of work 18months now back but catching. Up and mortgage in the rears lived here 18 years and was also taking started I 2007 when we refinanced but we both worked now I don’t know need help keeping our home !! Just what is cost please

Tammy added these pithy words on Jan 08 15 at 12:37 am

The good news as that over the last year or two the federal guidelines for the MHA guidelines and loan modification services in general have been changed so that ONLY attorneys may perform these services. At Preferred Law we use a partner company The Modification Review Board to qualify everyone as to their eligibility for loan modification programs. There is a fee and it is ALWAYS commensurate with the individuals income. You make speak to a representative free of charge by calling 888-980-7566.

Attorney Load Mod added these pithy words on Jan 08 15 at 10:55 pm

Need help with loan modification

sandina added these pithy words on Jan 14 15 at 7:59 pm

Determining the best route for getting your loan modification approved is based on three main factors:

1) Who your lender is (Chase, Wells Fargo, Bank of America etc…)
2) What state you are in. If you are in a state like Illinois that has mandatory mediation then a mortgage modification is much more likely.
3) Your income. You need to show that you have the ability to repay your new lower payment.

Please call an advisor at 888-980-7566 to discuss your options for free.

Attorney Load Mod added these pithy words on Jan 15 15 at 8:22 am

I just received a notice in my email that a response was made to my inquiry, but even when I click on the link, it doesn’t take me anywhere to read the response.

In December of 2010, I missed my first payment in 20 years due to a pending divorce (had to hire attorney versus pay mortgage). FHA loan serviced by Ocwen. Prior to missing the payment, contacted them to inquire about HARP or HAMP; was told I had to be in default for 90 days before I could even apply for the loan mod programs.

Family Court awarded “exclusive use & occupancy of the family home for one year” to my ex-spouse. Three children had every-other-week with Mom or Dad; had to rent another 3 bedroom house for that year, couldn’t afford rent AND mortgage.

Applied for loan mod, denied as “non-owner-occupied”. 2nd application denied, I made “too much money to qualify”. 3rd application denied, i made “not enough money”. 4th application “non-owner occupied”. 5th application, approved for trial payments; Dec 2011, January & February 2012. All payments made on time, denied for permanent mod.

Subsequent applications went through same process of denial for various reasons until March of 2013 when Ocwen sent me to the Sheriff sale. Filed a Ch13 to stop the sale, however, had been scouring any and all avenues of relief. Unfortunately, was referred by a legitimate realtor to a program she was a paid affiliate for, Stay-in-or-Walk-Away.

They accepted me as a client and I paid them $1000/mo for the next year, during which they were supposed to be “negotiating” with Ocwen to purchase my note and sell my house back to me. Only reason I went with it was because of the Century 21 agent. Thought they were the real thing…….not quite!

March of 2014, house went to Sheriff sale again despite the supposedly active “negotiations”. The scammers responded by filing a bogus Ch13 in New Jersey, including me with ~ 40 other folks from all around the country. New Jersey Bankruptcy Trustee filed charges against the company for fraudulent bankruptcy processes.

As of today, that process is still in the New Jersey Bankruptcy Court, but once it clears, I’m certain to be on Ocwen’s fast track for foreclosure. I’m a federal employee for the past 23 years, working as a Registered Nurse for the Dept of Veterans Affairs. I definitely make enough money to pay my mortgage.

My one and only concern is getting back on track and keeping my home. What, if anything, can your firm do to help me accomplish that goal?

Thanks,

David Zullo

David Z. added these pithy words on Jan 16 15 at 2:47 pm

Hi David;

I will send you a copy of the response. But it looks like your original post was in the thread Home Loan Lawyers Can Save Homes. If you look on the right side of each web page you will wee the different topics. Go ahead and click on the Home Loan Lawyers Can Save Homes link and your posts will be just towards the bottom.

Attorney Load Mod added these pithy words on Jan 17 15 at 7:39 am

need help wells fargo North Carolina

kathleen sitnik added these pithy words on Jan 29 15 at 2:30 pm

Hi
I have recently been foreclosed upon from Montana Board of Housing, and perhaps go through legal procedures, but as of now eviction is scheduled for Feb, 1 2015. They did advise of having no right for modification, no refinance options, and no HARP loans. They did give me a 15 day grace period to come up with 8100 to stop the foreclosure which originally scheduled for Jan 9, 2015. The hold my deed of trust, and do believe this is my first home mortgage out there. Did try the HUD’s HOPE program but still nothing became of this, did try National Disabilities Rights, and Montana Disability Rights, Also put in a complaint with the Fair Housing Act with the Department of Justice Civil Rights Division, but the process of foreclosure still happened without notifying me of the sale after Jan 9, 2015.
I have recently lost my husband of 30 years, who paid the mortgage, as I become disabled in 2009 and lost my 2 jobs. Man I sure need help in something to keep my home, if there is any thing in keeping my home, it would be greatly appreciated, even if Spring Board Inc. could not do anything for me, so I am hoping you can.
Thank you
Jackie
Havre, MT 59501

Jackie Favel added these pithy words on Jan 31 15 at 1:56 pm

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