Mortgage Modification

Restructure Your Mortgage with my Experienced and Comprehensive Modification Negotiation Services.

Mortgage Modifications are one of our most important and gratifying areas of practice because I we get to see my work making a rapid difference for the better in the lives of families. Also, a successful modification may even be required in tandem with a bankruptcy to fully achieve your financial objectives.

If you are struggling to meet your mortgage payments or have fallen behind, you are not alone. In today's economy many are having a hard time making ends meet, and paying a hefty monthly mortgage may make it impossible. To make things worse, you may have been hit with an adjustable rate increase and/or your home (you biggest investment) may now be worth way less today than what you still owe on it. You feel trapped: You can't sell even if you wanted to and refinancing is all but impossible unless you have impeccable credit. Unemployment and foreclosures are at levels unseen in many years.  Loss Mitigation Departments, understaffed and unprepared for the onslaught, are totally overwhelmed and it is getting worse every day. So, if you try to do it yourself or use services by non lawyers, you may wait for a very long time and never get the mod you need if you get one at all! I get your mod request in front of the right people and I get it done fast.



And if you think the Federal Government is going to save you...check again! Home Affordable is only really working for a very few lucky homeowners. Many banks are giving 3 month trial modifications and then not converting them to permanent modifications. In fact this is happening to more than 50% of all homeowners in the US. Remember, it is all part of a program to bail out the banks that did those speculative real estate syndications that got us into this mess in the first place!

You probably have seen the well meaning warnings on the Internet DO NOT PAY for modification services... you will get "ripped off'.  That may be good advice as to non-lawyer agencies, who in many instances will take the money you need to pay your mortgage and leave you with nothing to show for it!  Actually, the Lenders are not so well meaning at all, especially where they actually want you to lose your home because they can get more M O N E Y with you out of the picture...for example: if you still have equity in it or they have PMI insurance that will only pay out if they foreclose. REMEMBER LENDERS ARE BANKS AND WHAT DO BANKS WANT? M O N E Y. 

The Lenders "bad mouth" us for one VERY OBVIOUS REASON...Why, because only we can sue them and keep them from getting your home and your M O N E Y! If you try to do it yourself or use mod services by non lawyers, you may wait for a very long time and never get the mod you need if you get one at all! 

In addition, only a competent attorney can prepare and interpret the forensic data which can show the commission of predatory lending violations which in a difficult case can make all the difference. Perhaps most important, you have the added assurance of knowing that if things suddenly turn ugly, I can seamlessly appear in court or file an emergency bankruptcy to stop a foreclosure armed with the facts I learned from preparing your modification. 

On the one hand, loan modifications are complex FINANCIAL transactions. You need someone by your side who understands and speaks the language of banking and finance: I hold an honors MBA in Finance from a top business school, have 5 years experience as a Financial Analyst with a Fortune 100 Company, have completed the comprehensive ABA Bank Management curriculum and hold a 5 course post-MBA certificate awarded in 2000 by Penn State. Best of all, I have over time evolved a comprehensive process for creating mortgage mod packages that get ACCEPTED day in and day out. We also understand the ins and outs of and can guide you through the shoals of the Home Affordable (Obama) Mortgage Program. 

On the other hand, Foreclosure is a tricky LEGAL matter involving many intricate twists and turns. Anyone who expects to succeed in this arena MUST be very conversant with these rules so as to be able to protect your legal interests. I have more than 20 years experience as a practicing business and bankruptcy attorney. I have been successfully negotiating complex real estate deals and multinational legal contracts with banks for many years. My office handles several modifications a month. I also have received special training and am experienced in developing and presenting mortgage foreclosure diversion cases on behalf of homeowners.

In short, I provide BOTH FINANCIAL AND EXPERIENCED LEGAL HELP to help bring your lender to the table and provide you with the highest odds of reaching an agreement you can live with. And if things don't work out, I will be there to suggest options and help you out legally if need be.

Remember, even the best (and yes there are some) LENDER Loss Mitigation Departments are overwhelmed and it is getting worse every day. Unemployment and foreclosures are at levels unseen in many years. The Bank may not pick up the phone for you or a non lawyer negotiator but they will pick up for my call because they are afraid of me! And the sooner we get your case done, the sooner you can start enjoying real mortgage savings not to mention the sheer relief of knowing you will not lose your home. And if things don't work out, I will be there to suggest options and help you out legally if need be. 

Most of my clients are people who have tried to do it themselves but have only gotten a time consuming "run around" from the lender. They may now be facing a notice of default or a frightening foreclosure which could have been avoided had they used a knowledgeable attorney like myself. 

Let me help you get your modification quickly and efficiently.