Latest Articles

June 8, 2015
SHOULD I HIRE AN ATTORNEY FOR FORECLOSURE DEFENSE / LOAN MOD HELP?
This is a question that has baffled many distressed home owners for years.  You would think the answer to this question is a “no brainer” yes.  However, the contrary has really been the case per past record.  Though retaining an “attorney” allows you to flex your muscles somewhat, that flexing can be very short lived.  […]

May 26, 2015
THE BANKS ARE DESIGNED TO TO COLLECT MONEY
Are you aware of why you’re constantly hearing this coined phrase, regarding any form of communication with the bank? “This is an attempt to collect on a debt, any information obtained will be used for that purpose!”  Let’s think about what that really means? The collector on the other end of the phone is paid […]

May 9, 2015
Loan modification denial? Here are your next best moves!
The term “loan modification” has become a household word over the last 8 years.  Spurred by the financial crisis and housing meltdown, the era of modifying mortgage loans has lingered on at a very high rate.  This particular era is something that nobody wants to deal with….the banks, homeowners, government & taxpayers all wish to […]

March 25, 2015
PREDATORY ACTION WITHIN LOAN MODIFICATION CONTRACTS
Make no mistake about it, the level of abuse on home owners has hit new highs when it comes to loan modifications.  Distorted account balances, padded escrow accounts, unnecessary balloon payments, missing amortization schedules, false or no truth in lending statements, phony trial plan offers and incorrect math calculations run wild within the industry.  These […]

January 15, 2015
FORECLOSURE AND COLLECTION ABUSE WITHIN THE NON-BANK MORTGAGE SERVICE SECTOR
It is hard to fathom how fast the non-bank mortgage service sector has grown, and how profitable it has become.  It is a business that essentially grew from nothing, based on defaulted mortgages and the financial crisis.  Essentially it has grown from the garbage….and the garbage man is making a fortune.  Firms such as Ocwen, […]

November 23, 2014
Battling Ocwen, NationStar and non-bank mortgage servicers
The non-bank mortgage service industry is in the line of fire right now.  It is under pressure, politically charged, but also a huge money machine.  Regulating the industry is on the forefront of many Government Agencies.  However, the topic of regulation is both complex and controversial.  Ultimately, regulation of the industry crosses the lines of […]


AWAKENING THE SLEEPING GIANT ~ BANKS ARE TURNING UP THE FORECLOSURE HEAT!!
The mortgage and foreclosure crisis that stunned our economy in 2007, has yet to resolve itself.  Actually, the worst is yet to come.  The statement “worst” does relate to the volume of foreclosures…it really relates the intensity of the process.  The recent 2 year price spike in housing values, has pushed banks towards favoring repossessing […]

August 22, 2014
Why HAMP needs to be dissolved immediately!
In the dead of Winter of 2009, our country was in the midst of the worst mortgage / financial crisis since the Great Depression.  Newly appointed President Obama launched a pilot program ~ Home Affordable Modification Program ~ HAMP for short.  This program was set in motion to save 8 million home owners.  The Federal […]

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Success Stories

The PDFs below are actual case files that we have completed for our clients.

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RATE REDUCED FROM 8% TO 4%.  CLIENT 4 YEARS PAST DUE ON PAYMENTS.

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USDA INVESTOR COMPLETED LOAN MODIFICATION.

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RATE REDUCED TO 2.004% FROM 7.75%.  CLIENT 6 YEARS PAST DUE ON PAYMENTS.

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PRINCIPAL REDUCTION OF $41,931.95!!  PAYMENT REDUCED BY 17%.

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$365,750.20 PRINCIPAL REDUCTION.  RATE LOWERED TO 2% FROM 7.1%!

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Client was 38 months past due. Rate reduced from 5.25% to 2.00%, payment reduced from $2017.24 to $1306.80.  Principal reduced by $146,787.13.

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Rate reduced from 9.2% to 1.11%!! Payment reduced from $545.00 to $143.25.

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Modification after Chapter 7 bankruptcy discharge Payment reduced from $1486.19 to $1185.85

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Payment reduced from $3053.68 to $494.13

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90% DISCOUNT! Debt settled from $107,000 to $11,000 .  10% net settlement ~ 90% discount!

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Payment reduced from $1040 to $883.83 even though client had two previous modifications

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Rate reduced from 6% to 4.25% Partial waiver on past due payments

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60 Months Delinquent Rate reduced to 2%, foreclosure sale date halted twice

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Payment reduced from $345.99 to $266.50

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Modification after Chapter 7 Bankruptcy Payment reduced from  $1165 to $850.58

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