The Right Loan Modification Negotiator

The current housing crisis continues to impact existing homeowner's ability to meet their housing payment obligations.  Because of loans adjusting to a higher interest rate coupled with more stringent underwriting guidelines and declining home values, many homeowner's need professional assistance to provide loan restructuring or refinancing.  Housing Payment Intervention (HPI) has come to the aid of many homeowner's in variouse capacities, with the primary purpose of keeping you in your home under payment terms you can afford.

First, we will use our negotiating skills and industry knowledge to work with your current Lender to have your loan "modified", which is a long term solution under new and improved loan terms.  Our goal is to work out an agreement between you and your Lender(s) that will permanently and successfully keep you in your home and protect your credit history. 

Second, if the Lender is not willing to modify your loan under conditions that are acceptable to you we will refinance your current loan into a more stable, long term fixed rate product.  This may include having the Lender modify/reduce your pay-off amount, if your home value has declined to the point where this is an absolute neccessity. THE NEW HOUSING RESCUE BILL WILL ALLOW A 90% REFINANCE USING CURRENT MARKET VALUE IF YOUR CURRENT LENDER IS WILLING TO LOWER YOUR PAY-OFF AMOUNT.  MAKE SURE YOUR LOAN MODIFICATION NEGOTIATOR IS AN FHA APPROVED DIRECT LENDER.  HPI IS!!!  SEE "NEW FHA LOAN" BUTTON TO THE LEFT. 

Third, there are ocassions and various reason why the Lender may not modify the terms of your loan or reduce the pay-off amount to accomadate a refinance.  The Lender may deem it more beneficial to their bottom line for you to "short sale" your home.  A short sale is when your home is sold for less the the amount owed.  The Lender will wish to receive close to market value for your home.

If your monthly mortgage payment has adjusted or will adjust and is or will be causing a financial hardship, please do not delay in contacting HPI.  What you don't know might hurt you and cause unneccessary steps to remedy the situation.

Also, if you have received a NOD, Notice of Default from your current Lender, the clock is ticking on the window of opportunity to have your loan modified, refinanced or offered at short sale before the Trustee (Foreclosure) Sale. Going forward now will save you money and shows the bank you are not avoiding them.

If a Trustee(Foreclosure) Sale has been scheduled time is absolutely of the essence to address the issue. Even if you have already spoke with your Lender and have experienced inflexibility, we can get your bank to listen because of our experience, industry knowledge and track record.