mortgage refinance & home loan services of Orange county

Free mortgage&financial; evaluations are available absolutely FREE!

Home loan modification rmation

With a Loan Modification You May Be Able to:
-Lower interest rate
-Reduce principle balance
-Catch up on late payments
-Turn adjustable or interest only into a fixed rate
-STOP FORECLOSURE!

Loan Modification Program
Now is the time to make changes to your Mortgage Loan to avoid foreclosure. Put the loan experts to work for you. We work with your lender to modify your existing loan negotiating a win/win situation where lenders get their payments and you get an equitable restructuring of the existing loan. These changes will enable you to stay in your home during these unprecedented economic challenges of our time. Past due loans will adversely affect your credit score and rating.
What is a Loan Modification?
A loan modification provides the ability to change the terms on a current mortgage, with the goal of making payments on existing mortgages more affordable. Meanwhile, helping to prevent unnecessary home foreclosures. Generally a loan modification will lower your existing mortgage rate and allow you to change your rate type from an adjustable rate to a fixed rate, so as a homeowner, you can buffer yourself from the rate fluctuations in the market place.
Why are Loan Modifications Available?
Right now, because of the increasing amount of foreclosures, banks and mortgage lenders have become increasingly more willing to negotiate the terms of loans and repayment plans. Home Foreclosures are not a good solution for anyone including banks and lenders. They often lose a lot of money on such transactions. In today's economy, they have become extremely flexible in avoiding foreclosure proceedings.
Can I Modify My Loan Myself?
Homeowners find it very difficult to modify their loan themselves. The challenge is banks and lenders are extremely busy and a loan modification has to be packaged correctly in order to gain the interest of the lender, and expedite it's process.
Why Use Our Service
Our attorneys can immediately assess your needs and are very familiar in the loan modification process. When they approach your lender, they will have a prepackaged deal the lender is offered and many times accept. Also, our attorneys know and understand the laws well. They will fight a hard fight. Let our experts make your Loan Modification as streamlined as possible.
How do I get Started?
Simply take our 1-minute Loan Modification evaluation. You will instantly know whether you qualify and be quoted what our attorneys can achieve for your individual needs.

Refinance rmation

Mortgage Refinancing Steps
Before you refinance your mortgage, it's a good idea to make sure you understand all the in's and out's of the process. to get you up to speed on refinancing with good unbiased rmation.

Short Sale rmation

Home sellers should consider a Short Sale when the value of their home is LESS than the amount of their outstanding loans. For example, if your home is worth $250,000 but you have a loan of $315,000 then a short sale is a consideration.