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Mortgage Modification Services Click here Mortgage Modification Audio
We work with your lender to reduce your mortgage payments 25% to 30%. Our success rate is over 90% !
I’m past due on my mortgage can I still get a modification? Yes, being behind is not a disadvantage at all.
My property isn’t worth what I owe on it, can I get a modification? Yes, this actually helps in the negotiations.
Will I spend my money and get nothing in return? When a file is submitted to our modification center and we feel that its merits will not stand a good chance at a modification we unwind the transaction and refund all money collected. The non-refundable portion only applies when a file has been submitted to the consumer’s lender. Our success rate is 90%.
How much does it cost? Your modification consultant will go over all the details, but typically you will recoup your costs within the first two or three months from payment savings. We do accept cash, check and major credit cards. As needed, we can arrange for a payment plan to make it possible for us to help you. Ask your consultant for details.
How much will I save from a mortgage modification? The average modification reduces the mortgage payment by 30%. On average this works out to just over $570.00 per month. We can’t guarantee how much you will save, but unless the savings is to your liking, you don’t have to complete the modification. We put you in control.
Email us at rick@empirehomeloan.com or call 800-290-0012
Are you behind on your mortgage? Are you worried you will lose your home? Is your lender refusing to accept your payments, or talk modification of your loan? Our Mortgage Professionals provide the critical information and professional representation you need to put an end to your mortgage difficulties. With many years of experience to draw on, we specialize in working with your lender(s) to restructure your current loan(s) by providing you with a unique, professional plan that you and your lender(s) can accept. The key to our success is constructing a financial plan that you and your lender can approve and, most importantly, that you are able to perform.
Email us at rick@empirehomeloan.com or call 800-290-0012
Let us put our experience to work for you! Navigating the loan modification process can be overwhelming. We are experts in the mortgage industry and have established the relationships needed with note holders throughout the industry that are priceless when it comes to getting the results you are seeking. We have a goal to preserve home ownership for good hard working people during this wave of default and foreclosure that is sweeping across our great country. We only accept cases we believe we can win on your behalf, so you can rest easy knowing that you will be a priority in our organization!
Loan Modification: We will assist you in supplying the appropriate information to your lender to negotiate the appropriate measures to modify the term(s) of your mortgage. There are costs and fees associated with a modification that you will be responsible for. All property taxes must be current or you must be participating in an approved payment plan with your taxing authority to be eligible for a modification. All requests are subject to your lender’s approval.
Repayment Plan: If you have incurred a short term financial hardship and your loan is two or more months past due, your loss mitigation specialist will also consider submitting a request for a payment plan to your lender for approval. Only after reviewing your financial situation will this option be considered. All clients must be able to show that they can afford this plan in order to be eligible.
Call today for a free, no obligation evaluation to see if your mortgage can be modified.
Success Stories
Before Modification After Modification
Example #1
Balance = $275,000.00 Balance = $275,000.00
Interest rate = 8.41% (Adj.) Interest rate = 4.50% (F.R.)
Loan term = 30 years Loan term = 40 years
Monthly payment = $2,096.99 Monthly payment = $1,236.30
Example #2
Balance = $675,000.00 Balance = $675,000.00
Interest rate = 7.875% (Adj.) Interest rate = 6.00% (F.R.)
Loan term = 30 years Loan term = 30 years
Monthly payment = $4,894.22 Payment =$4,046.97
(With I/O option for 5 years)
Example #3
Balance = $165,000.00 Balance = $165,000.00
Interest rate = 8.125% (Adj.) Interest rate = 5.875% (F.R.)
Loan term = 20 years Loan term = 30 years
Monthly payment = $1,392.99 Monthly payment = $976.04
(Client received 6 month abatement with zero payment for first six months of modification.)
(F.R.) Fixed Rate
Note: These are examples only and do not reflect any projection of what any one individual modification may be. This represents no warranty or guarantee of results.
What exactly does the Modification Center do for me? The full extent of what we do for our clients is too long to list, but here are the key components of our services: · We provide you with expert, unbiased advice about your best course of action, grounded in more than 30-years of mortgage experience · We take over all responsibilities for dealing with your lender · We do the negotiating, calling, faxing, writing and deal with all the forms · You immediately have a plan in place that gives you peace of mind
You no longer have to deal with collection calls or letters
· (we make the phone stop ringing) · We act as your advocate, acting in your best interest every step of the way· You receive updates and work progress throughout the process, and get to track your plan on a time-line. We will email you updates every step of the way. · The Center has direct access to decision makers at all the major lenders, allowing us to cut through the red-tape of hours and hours on hold.
· And so much more…
Our Pledge To You… · We have over 30 years of mortgage and loss mitigation experience ready to work for you.· We have direct contact numbers to the modification departments for all major lenders and servicing companies...which means we talk to decision makers in a matter of minutes as opposed to hours that the normal consumer has to endure. · We put together a complete profile of your mortgage situation. We provide your lender what they look for when it comes to information on a modification. We paint a personal picture of your profile that puts a “face and name” on your situation for the lender.· We handle all communication between you and your lender. We serve your “Best Interest” in the process. A modification has to work for both the lender and you! · We put together a plan to not only get you through a modification, but also give you a road map to stay in your home for years to come. · We also advise you on the proper way to “Walk Away” from your property if you can not modify your loan. There is a right way and a wrong way to “Walk Away”. No one can “Guarantee” that your loan will be modified. The ultimate “Guarantee” comes from your lender or servicing company. Anyone who says they can “Guarantee” your loan will be modified from day one is not reputable and should not be trusted.
Empire Home Loan Corporation
Working for your best interest…working for your peace of mind!
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