A Loan Modification should cost you nothing!

There is no reason to pay someone for something you can do yourself for free. If you want to keep your home, there are some important points you need to know before contacting your lender. I will go over them with you and check your finances to maximize your probability for success at no cost to you! Get caught up and a rate of 2-4% to help get you back on track. To determine if this may be an option for you, see the questions below. If you can answer yes to the questions below, contact me to discuss your next step.

1. Is your home your primary residence?
2. Is the amount you owe on your first mortgage equal to or less than $729,750?
3. Are you having trouble paying your mortgage? For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?
4. Did you get your current mortgage before January 1, 2009?
5. Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) more than 31% of your current gross income?

Note: if you are uncertain, click here to determine percentage