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The Mortgage Note Mod Company believes if there is a will then there is a way to stop the foreclosure process. Our team will help accomplish your goals whether it’s to keep or sell your home property.

Affordable Repayment Plan
Mortgage Loan Modification
Pros and Cons of Loan Modification Agreements
Restructured Mortgage
Mortgage Refinance
Forbearance Agreement
Deed-in-Lieu of Foreclosure
Reinstatement Plan
Foreclosure Lawyers



Mortgage Rate Reduction
Loan Modification
Lien Stripping
 
 
The FDIC insurance limit was finally raised in the recent financial bailout package. The FDIC insurance increased from $100,000 to $250,000. Although this may protect some borrowers from losses, most small customers of banks actually do not have any savings. Unfortunately many believe that increasing the FDIC limit is a new invitation for fraud and scams designed to steal from the government insurance fund.



Bankruptcy vs. Modification
Negotiating with Loss and Mitigation
Short Sale Considerations
Foreclosure Laws
 
 
Our legal and negotiating expertise can help save your house while reducing financial stress burdens.
Predatory Lending Lawyers
Truth in Lending Law
Stopping a Foreclosure with a Loan Modification



Consumer Protection Advocates
Mortgage Resources
FHA Mortgage Lenders
Loan Blogs
Hope Organization
 

Frequently Asked Questions

 

Are you stuck in an adjustable rate mortgage you can't afford?
Consider forbearance or a loan modification current mortgage loan could be the solution for keeping your home.

Clayton Fixed Income Services, Inc. reports that the percentage of subprime borrowers 60 or more days in arrears at the end of last month surged for both the 2006 and 2007 vintages, up nearly 7 and 11 percent compared to June, respectively. Alt-A delinquencies continued to worsen in July as well. The 2005 vintage - which should be seasoned by now - saw delinquencies jump an eye-opening 29 percent to 9.72 percent of remaining loans in the vintage; the increase is somewhat telling as well, given that prepayment rates actually fell by more than 5 percent in the same timeframe.

Will Loan Modifications Kill the Mortgage Refinance Market?
Why should someone pay refinance closing costs if they can do a loan modification to lower their interest rates with no cost? For one reason, refinancing is clearly better for your credit. Typically, loan modification happens in the later stages after 60- or 90-day late payment and the borrower is facing foreclosure. Refinancing before you get in trouble is the best idea. This day refinancing your home loan typically requires good credit unless you qualify for the FHASecure program except if you haven't yet fallen behind on your mortgage payments.

The U.S. Department of Housing and Urban Development (HUD) defines a loan modification as a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford. Contact HUD or FHA Home Loan Refinancing for update information regarding government lending options.

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