Loan Modification Program

Combine the programs which are right for you.

1. Obtain advice of Counsel via our Upside Down Analysis.  Know your best options and strategies before you begin.

2. Forensic Loan Analysis - to determine if there are lender liability issues which you can leverage against your lender in the loan modification negotiations.

3. Invoke Federal Laws to require lenders to provide information about their home loans and charges.

4. Commence Loan Modification negotiations.

5. Have an attorney review your documents and contracts to detetmine whether you are being required to relinquish important anti-deficiency protections.

6.  If you have two loans determine if you can induce the second lender into agreeing to short payoff or a very favorable Loan Mod.

7. Find out which loan you should commence negotiations with and whether you should cease making payments to one or both loans. (critical mistakes are frequently made when the property strategies are not pursued.) 

8.  Find out what happens if the lenders reject your offer of modification. 

9. Work with a Realtor to produce a BPO or CMA which can be vital in reducing your negotiated payments because of recent changes in Calfornia law and anticpated changes in Federal programs. 

Optional

Have an attorney leverage recent California law to seek payments pegged to current market value the lender might realize after a foreclosure.