Debt Consolidation & Credit Counseling Services from STARTOVERTODAY.COM


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LOAN MODIFICATION/FORECLOSURE ALTERNATIVES:
If you have found yourself in a financial situation in which you are struggling to make your monthly mortgage payments, have unfavorable loan terms, or may be in jeopardy of losing your home due to missed payments, we can help!

STARTOVERTODAY.COM provides Loan Modification Programs for qualified home owners! By utilizing our strong relationships with lenders, we can help to reduce your monthly payments by negotiating the Loan Terms, Rates, and even the Principal Balance of your Home Loan! Unlike many companies, we have developed our Loan Modification Programs not to be a short term fix, but a long term financial solution!

What is Loan Modification?
Loan Modification is the revision of various aspects of your current loan. This may include any one or combination of the following: a reduction of the interest rate, converting an adjustable rate to a fixed rate, a permanent reduction of the balance of your loan, an extension of your term or removal of a prepayment penalty, to name a few. It's important to understand that a loan modification is not a refinance, rather changes to your current loan in order to make the loan more affordable and ease your hardship.

Who Qualifies for Loan Modification?
To qualify for a modification there simply needs to be a hardship that you are or will be experiencing due to the terms of your current loan and/or changes to your financial situation. Fortunately, loan modifications do not involve your credit scores, and your ability to be approved for a refinance is irrelevant. Even if you owe more on your home than it's worth and have fallen behind on your payments, you are a perfect candidate for a loan modification.

There are several factors that could qualify you for a loan modification:

Financial Hardship

Loss or reduction of income
Increase in expenses
Divorce
Illness / Injury

Your Current Mortgage

Adjustable Rate Mortgage – Rate/Payment has or will adjust upward
Negative Amortization / Option Loan – an unaffordable payment is required to cover interest due
Interest Only Loans – Interest only period has or will expire causing an increase in payment
Balloon Mortgage – Full balance of the loan will be due within five years and you are unable to qualify for a refinance

Unable to Refinance

Your home's value is less than what you currently owe
Your credit score is lower than Lender guidelines allow
You have no savings or used your savings to make payments
Payments to your mortgage or creditors have become delinquent

How the Process Works:
The process starts with an initial consultation with a STARTOVERTODAY.COM Financial Strategist. We will discuss your specific hardship and what type of Loan Modification would most benefit your situation. For example, if you are delinquent on your mortgage, the most urgent goal is to get a modification so you can avoid bank foreclosure and stay in your home. If you are not delinquent at the moment but are or will be struggling to make your payments, we must work fast to modify your loan to avoid future hardship. This initial consultation will give us direction and let us know whether you are eligible for a possible Loan Modification.

We will then analyze and process documentation that is essential to support a modification request. With all documentation and information gathered, we will prepare a custom modification package which will include a computer modeled cost analysis that shows the lender' potential loss if foreclosure is not avoided.
After submission of your package, our team of top negotiators will go to work obtaining an affordable modification. You should know that the negotiation process could take several weeks and any modification proposed by your lender will be discussed with you for final approval. Even though we can’t guarantee a successful outcome, we are confident in our ability to secure a successful modification.

It’s important to know that you only have one shot at a successful Loan Modification so selecting the right company to represent you is critical.

The STARTOVERTODAY.COM Difference:
Unlike many companies in this rapidly expanding industry, our clients are our highest priority, and have been since our inception in 2002. Therefore, we only align our company, and in turn our clients, with companies that share our vision, and passion for helping our clients. We have recently created an alliance with Pro-City Mortgage, to offer our clients the BEST loan modification services in the industry. Check out a few of the reasons why our Modification services are second to none!

LEGAL
Our Loan Modification Services are licensed by the DRE and we operate under an approved DRE contract to represent you in a Loan Modification endeavor. Any company that accepts monies without an approved contract with the DRE is operating illegally.

REPUTATION
Our pursuit of excellence has been rewarded with a perfect record with the BBB, which should give you confidence that you are working with a company that you can trust. Additionally, our reputation and size has enabled us to employ some of the industry’s top Loan Modification negotiators, who will substantially increase your chance for better results. And with our reputation of excellence with Lenders, we are able to achieve priority status, which gives us an edge with lender Mitigation Departments and streamlines the modification process.

LENDER KNOWLEDGE
Having a company that knows how to represent you is one thing, but it is just as important to know what the Lender is looking for. We know how to communicate with your Lender in the way your Lender expects, additionally, we know what is important to convince them of the mutual benefits.

VOLUME
When representing yourself, you are one voice in the dark. However, by packaging several million dollars worth of Loan Modifications together, this gives us extreme bargaining power, and presents an offer that your lender can’t ignore.

DRE License #01475668