Our goal is to keep you in your home and avoid foreclosure. We are experienced in working with your lenders to restructure your current mortgage loan(s) by providing you with a unique, professional plan that you and your mortgage lenders can consider.

We fully understand that you have a serious problem and only a short time to overcome the real possibility of losing your property through a foreclosure. We will work to immediately stop foreclosure.

We are a group of experienced attorneys, residential and commercial bankers and real estate brokers who understand that federal rules and lender foreclosure policies often conflict. Few people outside the banking world have the knowledge to work with your current lender to restructure your loan and actually accomplish a loan modification.

Please note: We believe that California bankruptcy is the LAST resort.

Typical results of our restructuring plans:

LOAN MODIFICATION – 99% of all ‘A’ type lenders and 70% of sub-prime lenders (with high interest rates) and general creditors will negotiate a loan modification and/or mortgage pay rate reduction where most or all of the delinquent payments and foreclosure fees are added on to the back end of the loan. Payments can remain approximately the same. In some cases the interest rate will be reduced permanently.

FORBEARANCE PROGRAMS – Typically 30% of sub-prime lenders (with high interest rates) will only offer a workout program that requires borrower to immediately pay at least 20% or more of the total delinquencies including foreclosure fees, plus the balance of the delinquency will be added to their regular monthly payments over a short period of six to forty-eight months. Forbearance plans do not remove a foreclosure action or stop foreclosure but simply continue it in place until the loan is current.

FORBEARANCE PROGRAMS ALMOST ALWAYS FAIL IF THE LENDER IS NOT FORCED TO CONSIDER THE ABILITY OF THE BORROWER TO PAY. WE REQUIRE THEM TO CONSIDER YOUR ABILITY TO PAY.

To get started on a Loan Modification case, simply print and sign the Retainer Agreement and return it with a cashier’s check for the appropriate amount. We will follow up with you on what documents we need.