- Even if you have been previously turned down by your Lender for a loan modification, you can re-apply. Many homeowners who were previously denied have found success utilizing our probability meter.
- Overstating your expenses by as little as $10 can result in your lender declining your loan modification? Our Probability Meter takes the guess work out of the income/expense process. In other words, we have the secret formula.
- You do not have to be delinquent to qualify for a loan modification. We have successfully helped many people who were still current on their mortgage.
- If you don't qualify for President Obama's new Home Affordable Modification Program, there are alternate modification programs being offered by almost every Lender.
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As a HUD approved counseling agency, we would like to offer our assistance to everyone in need of foreclosure prevention counseling. Unfortunately, we cannot do that. If you have one of the following circumstances, our agency will not be able to offer assistance:
» You are presently in an active bankruptcy.
» The property you need help with is not your principal residence.
» You no longer live in the property you need help with, even if it used to be your principal residence.
» You are currently working with another non-profit or for-profit agency.
» The loan is not in your name.
» The home has already been lost to foreclosure.
» Your mortgage payment, including taxes and insurance, is less than 31% of your gross income.
» You live outside Kern, Kings, Tulare, Fresno, Madera, Merced, or Stanislaus counties.
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