Testimonials

A few years ago, I took out an interest-only loan that seemed like a good idea at the time; however, it ended in a nightmare. I knew that eventually interest rates would rise, but I thought that I would be able to refinance if I could not afford the larger payments. After housing prices began to drop, no one was willing to refinance the loan since my house had significantly dropped in value. My brother told me about your services, and at first I was uncertain if I should proceed with a mortgage modification. After I spoke with on of your mortgage specialists, they explained everything to me in a simple way that I could easily understand and I felt comfortable moving forward with the process. The attorneys were able to modify my mortgage and my line of credit, and achieved a low fixed interest rated. I was shocked. My monthly payments are so much lower, I feel like a huge weight has been lifted off my shoulders.

L. Reynolds, Rancho Cucamongo, CA

Note: Mr. Reynolds had a monthly payment of $2,114.00 at an adjustable interest rate of 11.2% before his modification.

After his modification, the new FIXED interest rate dropped to a 2.5% and monthly payments are only $1,029.00!

(Savings of $1,085.00 / month)

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I'm a teacher, and when I bought my home I thought I would only be living there temporarily, which is why I selected a less expensive adjustable rate mortgage.

However, when my professional plans changed and I was unable to move, I got stuck with a house with adjustable rate payments I could no longer afford. My interest rate skyrocketed, and I was so overwhelmed trying to make the monthly payments I didn’t know what to do. I tried to sell the house for months but my interest rate kept rising. Eventually, I fell behind two payments. I still have not been able to sell the house, but once I contacted your company the attorney alerted my bank right away and put a hold on the foreclosure papers they were sending me. I guess they stopped the foreclosure process right away, because a few weeks later the attorney contacted me again with the bank’s first modification offer. We declined the first two offers, until we reached a payment that I could truly afford.

I don't even need to worry about selling the house anymore, because I can afford the monthly payments! I can’t even begin to describe the amount of relief I feel.

C. Martinez, Phoenix, AZ

Note: Ms. Martinez was 2 months behind on her mortgage, with a monthly payment of $2,520.00 at an adjustable rate of 9.55%.

The new FIXED interest rate dropped to 5.25% and her monthly payments are now only $1,695.00 after modification!

(Savings of $825 / month)

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When we first purchased our home, I remember that our whole family was so excited. We could afford the monthly payment at the time, but 6 months ago my wife lost her job and we were unable to afford the mortgage. After we used up all of our savings, we couldn’t afford the monthly payments or the cost of refinancing. I didn’t even know that something like mortgage modification existed! As we continued trying to make payments, the adjustable interest rate kept climbing and my wife and I became desperate.

I found your site on-line and called to find out about modification. The person on the phone was so helpful; they helped me get my application started right away. I appreciate that you were able to explain the whole process to me so I could understand what was going on. Most importantly, I am so thankful that the attorneys were able to get the lender to lower the payment to a reduced rate. I had called the bank so many times, but no one was ever able to help me. My wife and I were able to keep the house and our children never knew the difference. We plan to stay here for a long time. I wish I had tried a modification 6 months ago.

R. Kenedy, Huntington Park, CA

Note: Before modification, Mr. Kenedy was 2 months behind with a monthly payment of $3,028.00 at an adjustable rate of 8.375%.

After Modification, his new interest rate dropped to 3.95% for five years and his monthly payments are now only $1,530.00!

(Savings of $1498.00 / month)

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I made the mistake of refinancing a couple of years ago when I really didn't need to, I just wanted to get more cash out of the property when the value of my house increased quickly. Within the last few months, however, the interest rate on my loan had re-adjusted, and my payments were too high for me to afford.

I panicked. I called my lender at the bank and I also called the mortgage broker who got us the loan, but no one was able to give me any useful advice. They kept telling me that they wouldn’t refinance my loan. I had heard the news about government assistance programs that help homeowners, but I was afraid that none of the services would be available soon enough to help me. My real estate agent told me about your company and I called right away.

Thankfully, after only a few conversations with one of your specialists, the attorneys were able to take care of everything. I couldn’t believe it. I can now afford my monthly payment and I'm looking forward to continuing the home improvements I had previously started, that now I can afford to finish them!

W. Chang, Henderson, NV

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