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Success Stories

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
Foreclosure is something most homeowners thought could never happen to them. The unfortunate reality is that hundreds of thousands of homeowners have experienced a foreclosure in the last two years. Now with many lenders and banks in jeopardy of bankruptcy, loan modifications are becoming more frequent much earlier in the process.

Deed-in-Lieu of Foreclosure
Bankruptcy Protection
The Mortgage Note Mod Company can help you maintain your homeownership by negotiating on your behalf directly with the bank that services your loan.

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

How to Choose a Foreclosure Lawyer


Foreclosure is a lawsuit brought by the lender to take back your home. You have the right to fight that action. Banks must take specific steps, in the correct order, with the correct timing, in order to have the right to foreclose. This is why it is important for you to hire a foreclosure lawyer--so you can defend your rights and make sure the lender has gone through the foreclosure proceedings correctly.

In addition to this, your lawyer can provide valuable advise about possibly avoiding foreclosure. Almost all mortgages have the right to "reinstatement," which means that the borrower can either come up with the money to bring up the arrearages or work out a deal with the lender anytime during the foreclosure litigation process. If a satisfactory resolution takes place, the lender must dismiss the foreclosure.

The key is to act quickly to protect your rights, or you could lose your home. Do not rely upon real estate agents or foreclosure relief companies; they cannot provide you with all available legal options. Only an experienced foreclosure lawyer can provide you with all the legal options you have.

Foreclosure Prevention
Among the most effective ways of stopping a foreclosure is through a loan modification. This is an agreement between you and your lender to modify the terms of your existing mortgage loan. Once a loan modification has been agreed upon, the lender must dismiss the foreclosure. This is also true if you file for Chapter 13 bankruptcy. Chapter 7 only provides a temporary stay on the foreclosure process. Experienced bankruptcy lawyers can provide advice on whether a Chapter 13 is a good way to prevent foreclosure or if you should explore other options.

Choosing a Foreclosure Lawyer
Choosing a foreclosure lawyer is critical because you need an experienced attorney that knows home foreclosure laws and how to modify a mortgage loan effectively. Some loan modification lawyers have even been able to negotiate a reduced mortgage balance that lowers your home loan balance below one hundred percent loan to value. Other Foreclosure attorneys have been able to eliminate second mortgage balance entirely.

Lawyers, like other professionals have specialties. Foreclosure attorneys are real estate lawyers with a specialty in foreclosure law. They are typically for foreclosure defense, so that consumers can challenge the foreclosure process and otherwise have the foreclosure dismissed. Loan modification lawyers are real estate lawyers that specialize in loan modifications. These lawyers will generally negotiate with the lender to get the rates and terms of your existing mortgage changed so you can better afford the mortgage payments. Debt negotiation lawyers offer a broad range of services, including consolidation, settlement, and even bankruptcy. They will review the consumer's financial records and help the person decide which solution is the best for the situation.

Which foreclosure lawyer do you choose? It depends on your circumstances. Because the foreclosure process is so complicate, we recommend that you first become informed about your options in foreclosure before entering into any agreements with anyone in connection with the foreclosure of your home. There are government agencies and nonprofit organizations that you may contact for helpful information about the foreclosure process. Contact us, so we can help make you aware of your options.

Important Note
On December 20, 2007, President Bush signed the Mortgage Forgiveness Debt Relief Act of 2007, which will help Americans avoid foreclosure by protecting families from higher taxes typically assessed from the forgiveness of indebtedness. This Act will create a three-year window for homeowners to refinance their mortgage and pay no taxes on any debt forgiveness that they receive. This Act will increase the incentive for borrowers and lenders to work together to refinance loans and allow American families to secure lower mortgage payments without facing higher taxes. An experienced foreclosure lawyer could help you benefit under this new law and help you get your mortgage loan modified before the three-year window of time elapses, which would save you a lot of money in taxes.

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