Does anyone know a good loan modification specialist in Florida?

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I know, I know, why not do it yourself. I’m not comfortable with that and I’d rather have a professional handle the mortgage modification process.

  1. Reply
    April 29, 2011 at 11:13 pm

    SeattleB, I am in this business and have not heard of one loan modification that was completed. I gather you are upside down in your loan? While you have some options, not all are palatable ones; try to get your lender to accept “deed in lieu of forclosure”, or work with lender on a short sale, let it foreclose. I know all require you to move at some point. That is the reality of this. If you are able to continue make the payments, you could choose to stay and keep paying, even though your upside down in the loan. Eventually values will increase, but there is not guessing when .

    Look, the Treasury Dept. is going to buy all the lenders toxic assets. Right now they have no incentive to take a short sale.

  2. Reply
    Sonia Smith
    April 29, 2011 at 11:16 pm

    Hello Good Day,
    I saw your question I have decided to help people out due to the fact that I myself have been scammed three times by three lenders in my search for a loan but at last I got a reliable lender. That gave me the loan ($ 56,000 USD) that I was in dire need off. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can reach him via his email address:, Please tell him that Pastor Mrs. Sonia smith from New York. USA. I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey to those hoodlums out there please reach him and tell him that I referred you to him.

  3. Reply
    April 29, 2011 at 11:49 pm

    Mortgage loan is a term used for the loans secured by a property. Mortgage loans refer to a loan secured by residential property, often for the purpose of securing real estate. Mortgage loans are priced lower than other loan structures because the value of the property risk for the lender.

    A fixed rate mortgage loan has its own benefit. If the borrower is budget conscious, he will remain at peace because the monthly mortgage amount will not change.Fixed rate mortgage loan is a loan where the interest rate remains the same through the term of the loan. Fixed rate mortgage loans are the most traditional form of loan.

  4. Reply
    April 29, 2011 at 11:54 pm

    Ask the broker who sold you the house for a recommendation.

    You are just going to hear from con-men around here.

    You want someone in your office.

    Both HUD and the BBB have yet to find a legitimate company in the US. NOT ONE.

    However, a local broker may help you.

    I have completed 4 modifications at present, so it can be done. However, I am not a professional, I did them all as favors.

    Because there are soooooo many scams revolving around this I would recommend you only pay for services rendered, nothing up front. Real Estate people are used to not being paid until the deed is done, so this should not be a problem if they are on the up and up.

  5. Reply
    April 30, 2011 at 12:41 am

    Be careful. There are a lot of scammers out there. First thing to do is visit This is run by the government and will outline the process and let you know if you qualify.

    Not everyone will qualify for a mortgage loan modification. Loan modifications are designed to help people who can still afford to pay a slightly modified mortgage. It is not supposed resolve all troubled mortgages. Basically there are 5 requirements to qualify for a loan modification. They are:

    1. The home needs to be your primary residence;
    2. Your mortgage must be less than $ 729,750;
    3. You’re having trouble making your existing mortgage payment;
    4. Your mortgage was established before January 1, 2009; and
    5. Your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues) are more than 31% of your current gross income.

    You don’t need to pay a company to obtain a loan modification. However, sometimes it can be better to have someone, such as a lawyer or credit counselor, negotiate on your behalf. If you qualify, talk to as many experts as you can prior to contacting your bank. Many of these services will give you a free consultation. A good site I used was where I entered some details about my current mortgage and the company got back to me multiple loan modification proposals. I ended up contacting the bank by myself, but knowing what was possible in advance helped me tremendously.

  6. Reply
    April 30, 2011 at 1:17 am

    There is one highly reputable loan mortgage modification
    company I’d specially recommend. They will work with
    your present lender first, to try and make your payments

    So if you wake up at night worrying about rising payments
    on an adjustable mortgage…or if you’ve not been able to
    get a new loan because of credit problems or lack of equity
    or because you’ve fallen out over a previous mortgage,
    these guys are ready and waiting to help you and work
    with your attorney and your lender.

    They work regularly with all lenders and they can help negotiate
    the best solution for both parties, perhaps simply modify your
    mortgage to a more affordable monthly payment.

    Loan Mortgage Modification can help get the oan interest rate
    decreased, or maybe the interest rate could be changed from
    adjustable to fixed rate.

    Sometimes they lengthen the period of time the borrower has
    to pay the loan back, or a different type of loan arranged.
    You’d be very surprised just how many options are available,
    even if foreclosure is looming

    Grab a loan counselor from Loan Rescue Center to work
    for you today. Hit the sig file link and you can arrange to
    begin your free consultation in the next minute or two.

    (US only)

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