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• Foreclosure Prevention
• Loan Modifications
• Bankruptcy
• Refinance
• Short Sale
• Debt relief options

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What is a loan mod, loan modification or loan work out?

A loan modification or loan workout re-structures the terms of your mortgage to make your payments more affordable. But while it’s certainly promising, a long-term loan modification can be hard to negotiate

Why Loan Modification?

» Lower your monthly payments
» Lower your interest rate
» Fix your adjustable rate
» Reduce your loan balance

» Waive negatively accrued interest
» Grant extensions on payments
» Re-amortize loan to include past due payments
» SAVE YOUR HOME

Why use a licensed real estate attorney to help you with a loan modification or foreclosure prevention?

When it comes to loan modifications, lenders aren’t really willing to help unless you can fit their guidelines, speak their language and be able to prepare a strong loan work out submission package for review, approval and modification. ApplyLoanMod.com can help you get real results by connecting you to a licensed attorney.

1. Attorneys know your needs. An attorney knows the right way to talk to banks, prepare a work out package in accordance with lenders work out guidelines. When we present your loan modification work out package application, we’ll be armed with all the documents and the right negotiation techniques.

2. Attorneys get the best Loan Modification Settlements. Lenders will take you more seriously when you have a loan modification professional by your side. Because they can use legal information as leverage, loan modification firms can get much better offers than you can get on your own.

3. Attorneys have established connections with all lenders. A good loan modification attorney has contacts with all of the major lenders. Combined with a good track record, this helps them more attractive offers, such as a lower interest rate or even principal balance reductions. We often have outcomes within 60 days.

A loan modification is much like going to court: you can save your money and get a court-appointed lawyer, or you can invest in a licensed real estate attorney professional. Mortgage modification won’t happen overnight, but if with a capable professional real estate legal team, you can be sure you’re in good hands.

Mortgage Loan Modification

A good mortgage loan modification can allow you to stay in your home if it results in a payment package that is affordable for the long run. Many new mortgage loan modifications are re-defaulting within 6 months of receiving their new modified terms. This means that most modifications are not being modified to a degree that is affordable on an ongoing basis. This is mainly due to homeowners that do not have legal representation, and are unable to properly present their situation to their lenders in order to get an adequate loan modification. Our legal team fights to get you the best possible mortgage loan modification with a low monthly payment, affordable for the long term.

Apply now for a Mortgage Loan Modification

Home Loan Modification
Fighting for a home loan modification is much like going to court. You may think you are saving money by representing yourself, or you can invest in professional representation and get the best results possible. The home loan modification process can be complicated and time consuming, but with a capable loan modification attorney, legal team, and professional negotiators, you can be assured of a successful outcome.

Apply now for a Home Loan Modification

Loss Mitigation
Loss Mitigation is one of several processes designed to minimize the damage caused by defaulting mortgage loans. Often backed by an attorney or firm, it involves negotiations between the lender and the borrower that binds them to new, more manageable terms. These terms are aimed at preventing foreclosure and lessen the damage incurred by both parties.

More information on loss mitigation and your options.

Loan Modification

A mortgage loan modification is a process in which the terms of mortgage note are permanently changed by lender making the payments more affordable for the borrower.

Recent mortgage loan modification cases:

Old Rate	Old Terms	Loan Amount	New Rate	New Terms	Monthly Savings	Total Savings
9.125%	Adjustable Rate	$555,832	6.125%	30 Yr Fixed	$991	$332,976

A mortgage loan modification could do the following: Lower interest rates Stop foreclosure Reduce principal balance (short refinance) Catch up on delinquent payments Turn your adjustable loan into a fixed loan

Mortgage Loan Modification Guidelines

• Have a provable hardship
• Are delinquent on your payments
• In an adjustable rate mortgage
• Have high debt to income ratio
• Could prove that you have enough means to support modified rate on your mortgage
• Are unable to refinance

Mortgage Loan Modification Process with ApplyLoanMod.com

What is Mortgage Loan Modification?

Mortgage Loan Modification is a permanent change in the terms of your existing loan. Lenders may restructure your loan by a reduction in the interest rate, an extension of the length of the loan, a lowered principal balance, reduction in the amount of accrued back payments or late fees, as well as many other options to allow you the affordability to pay your mortgage. If you are behind on your payments, struggling to make your payments, expect an adjustment that will cause you to fall behind, you are facing foreclosure, or fear foreclosure is just around the corner, then you are a candidate for loan modification.

What happens once an attorney is retained for legal representation?

The Mortgage Loan Modification process usually takes 30-90 days, and consists of many long phone calls and negotiations. A licensed attorney will handle every aspect of your case negotiation, and prepare a comprehensive mortgage loan modification package for your Lender, including but not limited to:

Financial Prospectus Workout – Detailed to include all income, assets, and all payments you make, down to every cost, including Gas! This allows a realistic view of your financial abilities to be sure you can continue to make your home payments for years to come once your loan is restructured.

Full Financial Package prepared for your Lender including:

• Letter of hardship
• Cost/ Benefit Analysis for your Lender to Modify your loan- This proves to your lender why they can benefit by restructuring your loan rather than Foreclosing
• Financial Analysis verifying payments you can afford

Unlimited Negotiations with your existing lender and/or their attorneys

Loan Restructuring Proposal – Attorneys will requests specific terms for your new loan. Our request is carefully discussed with you so that you are happy with your new loan.

Representation on your behalf in dealings with your Lender

CMA - Comparative Market Analysis of your home

Pulling of Credit Report

Full Time, one-on-one customer service for your Status Updates

Apply Loan Mod may request modifications in the following ways, however other options may be used to lower your monthly payments:

a) Request Adjustments, elimination or repayment plans on any delinquent and past due balances.

b) Request current and future rate of interest charge and monthly payments to be lowered

c) Request loan balance amount to be less than current loan (lowering your principal balance)

d) Request Loan to be converted to a longer fixed term

The goal is to get you back on track, current on your payments, and to keep you in your home for years to come.