Is your house in foreclosure because your mortgage payment is too high?
Do you want to lower your mortgage payment, but don't know anything about what to do and how to handle your lenders loss mitigation department?
Dealing with a lenders loss mitigation department is one of the toughest things you might do in your lifetime, and the process is getting worse and worse as the credit crunch continues tighten lending guidelines and force homeowners out of their homes.
If you're finding it tough to make your mortgage payments, whether you're late on your mortgage payments or not, you need to act expeditiously and contact a loan modification attorney immediately while there is still time to save your home.
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Loan modification attorneys are your lifeline when you are trying to keep your home because, in addition to their established contacts, they are experts at how to negotiate with your lenders loss mitigation department.
A loan modification attorney will negotiate the best possible mortgage for your situation as well as well as get all or most of the lenders mounting late fees and legal fees waived, and in addition to getting your payment and interest rate reduced, they'll lock in better terms and often times get your mortgage balance reduced so you're not upside down on your house.
Loan modification attorneys can usually get a much better loan modification than if you were to do it on your own because of the volume of loans they modify each month.
For this very reason, loss mitigation departments love to work with established loan od attorneys.
Doing it yourself is asking for trouble, especially if you have zero idea of mortgage law?
Would you handle your own bankruptcy or divorce if your were going through them? You can also perform surgery on yourself, but isn't that what a surgeon is for?
Same philosophy when dealing with your lenders loss mitigation department. with loan modifcation attorneys
Even so called loan modification companies aren't trained in mortgage laws and won't be able to spot and use violations by your lender in the original loan documents when negotiating with your lender.
Answer these questions to see if a loan modification attorney is right for you.
Are your payments too high? Are you late on your mortgage payments? Is the value of your home worth less than what you owe on your mortgage? Are you experiencing or will experience financial hardship soon (late on payments ie...house, car, credit cards)? Did you buy or refinance your home in the past 6 yrs? Do you want to keep your home? Do you want the absolute best interest rate and mortgage terms? If you answered "YES" to at least 4 of those questions, then you need to use a loan modification attorney to negotiate with your lenders loss mitigation department IMMEDIATELY.
Time is NOT your friend when you are in the foreclosure process.
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