Can Unemployed Homeowners be helped?
Yes. In some cases unemployed homeowners may be approved.

Can the income of others in the household be counted if they are not on title?
Yes. The total income of the household, not just the homeowner; can be considered.

Do I need to be delinquent or behind on my mortgage?
No, but it will make things easier. Loan modification is meant to help people in financial hardship, and banks are more willing to help borrowers in trouble.

Does the Loan Modification Company work with preferred lenders?
Yes they work with all lenders, but the results vary with each one. The results depend not just on your lender, but also the specifics of your case.

Are all lenders willing to negotiate with me?
Yes. It is in the banks best interest to try and negotiate with you.

Can my no-occupying rental properties be helped?
Yes.

Is it to late if I have received a Notice of Trustee Sale?
Definitely not! The Loan Modification Company can prevent foreclosure up to a few days before the actual transfer sale date. However, if you are thinking of getting help, please don't wait until you have received a notice of sale.

What will my interest rate look like after the loan modification?
The results vary from case to case, but you could get interest rates between 2.5% and 5.5% and in some cases a principal reduction.

Whats the length of my wait; to get a response from my lender?
The average wait time is 14-90 days, but it varies from one client to another. Some applications process faster than others.