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Loan Document Audit & Review
This is a review of your loan documentation that occurred at the time of your loan being originated. We offer this service because it may uncover errors in the lending documents. Such errors are in violation of Federal RESPA laws. We will discuss these errors with the lender during the renegotiation of your loan as it gives us leverage to re-negotiate. If we believe that you have the right to file a suit against the lender, we will discuss that with you at no additional charge. If you decide to proceed with a law suit, we would make arrangements for that representation through our Attorney, (or you may seek your own Attorney) and this would be the subject of a separate new retainer agreement with you and the Attorney. We do not recommend filing suite against lenders or banks as it can be a long process.
Portfolio Review
This is a review of your current lending, banking and investment situation to determine if you have any exposure to the banks garnishing your wages, filing suit for judgment or deficiency settlements in the case of Short Sale. This is the single largest mistake people make and it usually costs them thousands. This review will enable us to help you create an effective strategy moving forward.
Debt Re-Negotiation Services
This is NOT debt settlement like other firms who charge high up front fees and a large percentage of the settlement amount. BEWARE of these firms. We will re- negotiate your credit card debt for two specific purposes.
1. Reduce your overall monthly expenses and typically save you at least 50% on what is owed.
2. Help those who cannot qualify for a loan re-negotiation due to their high credit card debt. So by re-structuring your outgoing payments first, we can then get your ratios in place to successfully qualify to re-negotiate with your bank.
Loan Re-Negotiation
There are many ways to re-structure your mortgage depending on your personal situation. The key to our success has been a thorough Pre Qualification and final audit prior to moving forward. That's right, we will do all the up front work to be sure your ratios meet the banks guidelines before you spend a penny.
Short Sale
A short sale is when you sell your home for less than the balanced owed on the loan. A lender agrees to discount the loan balance due to economic or other hardships. Once an offer is made on your home, the lender has the right to approve or decline the proposed sale. If you have a 2nd mortgage, it could complicate the sale. The 2nd mortgage holder usually also has to sign off on the sale and agree to a total loss, or a small portion. Contact us to learn more about this option or view our video tutorials about the many risks few people are aware of.
Tax Liens
Any kind of lien on your property will impede the modification process. A tax lien should be addressed prior to the modification process. We can share with you professionals that can advise you on tax lien options.
Fiscal Responsibility
Everything we do has one common goal. To help you understand the process of the transaction you're about to engage in. We educate you in a way that enables you to save money now as well as for years to come.
May we all understand that debt makes us all slaves and freedom can only come with knowledge and a concerted effort to find value in more meaningful things.
Our core business values are KNOW, UNDERSTAND & PROVIDE. We will take time to know you and your situation. We must be able to understand your needs, and only then can we provide solutions.
Our proven Pre Qualification process has served us well with over 95% success rate on mods and 100% success mitigating mortgage deficiencies.
STEP 1: Pre-qualification: Complete our Pre Qual so we can accurately evaluate your situation. Once we receive your pre-qualification package we can then assess your situation. We typically spend several hours on your data before we follow up with you. We will not take your file if we do not have confidence in the result.
STEP 2: Consultation: We will go over your numbers and advise you on possible solutions.
STEP 3: Decision: After we speak, you will have several options and then you can make the decision based on your goals moving forward.
