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You should apply for a Loan Modification
if you meet ONE of the following:
  • Late or Delinquent Payments
  • 6% Interest Rate Or Higher
  • Current or Pending Foreclosure
  • Adjustable Rate Loan
  • Hardship Situation
  • Negative Equity
Request Loan Modification Assistance

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Why Loan Modification:

If you have experienced a financial hardship and are struggling with your mortgage payments, a loan modification may be a great option for you. A financial hardship would be considered a loss of employment, significant reduction in income, adjustable rate mortgage, facing foreclosure, had an illness among many other issues that have affected your ability to meet your monthly mortgage payment. A loan modification is a change of one or more of the terms of your mortgage in an effort to reduce your payments. There have been many programs to help with this, there are programs such as the HAMP program and most all major banks participate in this program. Bank of America, Wells Fargo, Wachovia, Citi Mortgage and many of the small services such as Litton Loan, EMC, HSBC and many others are assisting homeowners.

If you feel that you have had a hardship and would like to learn more options of programs that may be available to you and to learn about the qualification process for a loan modification, then either call the number above or submit you information request.

Banks are willing to work with you if there is a demonstrated hardship and you have the ability to make a modified payment. The first step is to take action! So either call your bank directly or request more information from this site.