"Matching you with the best in the industry"

• Mortgage payment too high?
• Fear of foreclosure?
• Victim of bad lending practices?
• Behind on mortgage payments?
• Has your rate adjusted or will it adjust soon?
• Do you owe more than your home is worth?

FAQ's - Understanding your options
"Loan Modification vs. Refinance"

- No credit score needed
- No appraisal needed
- Can have late payments (delinquencies)
- Can owe more than the house is worth
- Can be unemployed (but need to show progress in finding work and a good work history)
- Have the ability for some kind of modification
- Hardships actually help the process

Benefits:

• Lower rate
• principal reduction
• Attach back payments to loan (eliminating delinquencies)
• Postpone upcoming payments
• Create a fixed term loan
• Extend loan to 30yrs to 40yrs
• Remove second or third lien

- Not credit score driven
- Appraisal may be needed
- Good mortgage history for the past 12 months
- Need to be within guidelines of loan to value of home
- Need to be employed / self employed with tax filing information
- You qualify or you don’t
- Hardships do not help or hurt the process

Benefits:

• 15 – 30 yr fixed term
• Lowest current rates are used
• Drop monthly payment
• Consolidate debt
• Cash-out option
• No prepayment penalty
• Can refinance up to 97% of homes value

Select your option for a free consultation
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