Of course! Often, homeowners try to communicate directly with their lenders without fully understanding the program, ultimately disqualifying themselves for one reason or another.

These relief programs are also intentionally designed to make it difficult for homeowners to receive the help they need and encourage them to give up on the process.

No matter the reason for your previous denial, we can still help you find available programs.

Successfully modifying your own loan can be a difficult and tedious task. Without professional assistance, you are more likely to experience difficulties due to changing submission guidelines, unwilling or challenging underwriters, or incorrect document submissions.

While every situation is different, you may only get one chance to apply for the relief program. You may be putting your finances at risk by starting the process on your own. You need an advocate who has your best interests in mind.

Banks are in the money-making business and strive to maximize their profits. They have implemented systems to discourage homeowners from seeking relief and enforce them by bringing in attorneys and in-house experts.

You are not the bank’s priority. Institutional investors who hold the promissory note actually own mortgages, so banks only have contractual obligations to the investor. They will prioritize the interest of the investor over the homeowner to maximize their profits.

Lenders will likely discourage homeowners from seeking help so they can maximize their earnings from your mortgage. They may permanently reject your application or intentionally stall you for months to rack up extra fees. In the end, you might end up with a denied application or a temporary program that doesn’t provide a long-term solution.

We advocate for all our customers to protect them from predatory lenders. We enforce all government guidelines and regulations to ensure that you get the results you deserve.

Yes! Our customers are our number one priority, so we don’t want you to keep struggling with negative equity or high interest rates or payments. One of our professionals can evaluate your case and help you reapply to get the help that you need.

Thanks to federal laws surrounding COVID-19, banks must offer relief programs for homeowners who meet the qualification criteria. These guidelines are enforced on both federal and state levels, so all banks must adhere to the rules and provide relief to struggling homeowners.

In addition, many lenders would rather restructure loans than go through foreclosures in this struggling market. Mortgage restructuring provides a solution that all parties are happy with – you get to stay in your home, and lenders still get their money.

On average, restructuring a mortgage takes about 30 days.

When you work with us, we assign a dedicated loan processor to your case who will serve as your main point of contact. You can also register for online access to get updates about the status of your case at any time.

Results vary from case to case. Both the lender and investor follow mandated government guidelines or use in-house modification programs to improve the mortgage’s affordability, but everyone has a different financial situation. Regardless, our entire company will fight to get you the best results possible!