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One man
cell
phone
run and
operated
"loan
modification
companies".
Ask for
an 800#,
speak to
more
than one
person,
find out
if they
are
really a
company
or
trying
to pull
wool
over
your
eyes
Anyone
who
tells
you they
have
been in
communication
with
your
lender
before
you sign
and
return
the
necessary
documentation
to them
to do
so.
Many
companies
claim
they
have
spoken
to your
lender
and you
are
"eligible"
for a
loan
modification.
NO one,
and we
mean NO
ONE, can
speak
with
your
lender
without
you
signing
and
authorization
for them
to do so
Anyone
who
tells
you
not to
make a
mortgage
payment
upon
your
enrollment
in their
program.
This is
just not
so.
The
lender
is the
only one
who can
make
that
determination.
Call and
verify
this
with
your
lender
before
taking
this
advice.
Your
lender
may make
this
determination,
as some
lenders
do, upon
determining
your
eligibility
for a
workout
solution,
but make
sure you
hear it
from
them
too, it
could
save you
and your
family
from
being on
the
street.
Anyone
who
promises
anything
too good
to be
true.
The FTC
announces
five law
enforcement
actions
targeting
perpetrators
of
mortgage-related
scams.
According
to the
FTC,
these
schemes
typically
operate
in the
following
way.
First,
they use
terms
like
?guarantee?
and ?97%
success
rate? to
mislead
consumers
about
the
mortgage
modification
or
foreclosure
relief
services
they can
provide;
they
charge
up-front
fees for
these
?services?
? fees
legitimate
nonprofit
organizations
do not
charge;
and they
use
copycat
names or
look-alike
Web
sites to
appear
to be a
nonprofit
or
government
entity.
Often,
after
collecting
the fee,
these
companies
do
little
or
nothing
to help
consumers.
In each
case
described
below,
the FTC
is
seeking,
or
already
obtained,
a
temporary
restraining
order to
halt the
defendants?
illegal
conduct.
Don't
be
fooled
by
someone
who
tells
you that
you will
have a
certain
interest
rate or
payment
in order
to get
your
business.
The loan
modification
process
doesn't
allow
for that
until
we're
working
with
your
lender.
We can
tell you
what we
are
expecting,
or what
we will
be
shooting
for with
your
lender,
but this
information
is
always
an
estimate,
and it's
only
through
hard
work and
a
commitment
to get
our
client's
the best
possible
resolution
that we
are able
to
achieve
it.
At
United
we take
extra
steps to
ensure
you are
always
told the
truth,
and work
quickly
and
efficiently
to
protect
you and
your
home.
We'll
keep you
informed
every
step of
the way
and
encourage
you to
verify
and
check
with
your
lender
to make
sure you
are
always
being
told the
truth,
and not
being
mislead.
At
United
Real
Estate
Loan
Service
we
establish
your
trust
and
confidence
with our
clients
the
old-fashioned
way, we
earn it
with
honest
and
integrity
every
step of
the way.
to apply
with
United
you may
click on
our
apply
tab at
the top
of the
page
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Loanmodificationsrus.com
working
hard to
be
Americas
loan
modification
home
news
web site
Can I Do A Loan Modification On My Own...
Of course you can, but be cautious. Lenders and their staff are working to mitigate (reduce) their losses. We work for you! We have seen some of the seemingly innocuous agreements lenders have given to homeowners that in reality protects the lenders. We can educate you on tax implications, credit reporting and rebuilding, possible recourse by the lender, deficiency judgments, and more. Don?t sign anything until you have had a mortgage loan modification professional review it.
Our staff includes professionals that have experience in this field. We give you immediate insight and information increasing the possibility that you navigate through what many have called possibly the greatest housing bust since the Great Depression. Knowledge and action are key, and we provide both. In times like these it may be that those whom are successful lose the least versus those that lose everything. We promise to get back to you within 24 hours with a fully customized solution to your situation. Not some promise to call you back and then you never hear from us, or some generic kit that doesn?t apply to you.
Yes, you can negotiate with your mortgage company yourself, just like some people act as their own accountants and attorneys! If you are knowledgeable enough about mortgage delinquency and understand loss mitigation techniques and calculations used today by most lenders then you have a chance at succeeding. However, for most people terms like "DTI", "LTV", "Partial Claim", "Shortfall Balance", and "Forbearance" are intimidating and confusing! If this is you then you may find that dealing with your lenders "loss mitigator" or "Loan Workout Specialist" may be a humiliating experience as they move you through the process while you are never quite sure if the representative your dealing with is looking out for your best interests! How do you know that the representative you are dealing with isn't fresh out of training class and inexperienced in dealing with a complex scenario such as yours? Will you have the experience to point out the mistakes and fight for your approval? In any important matter involving your finances, having the proper guidance, wisdom, and representation will make all the difference in the world and not to mention save you time, energy, and money in the long run.
Avoid foreclosure scams
Don't panic. Get detailed information about the deadlines you face in resolving your problems. Pay special attention to the date on which you would lose legal right to ownership.
Never sign a contract under pressure.
Never sign away ownership via a quitclaim deed or other means. Be especially suspicious of offers to lease back your home, in order to buy it back over time. These offers are weighted against you.
Never make your mortgage payments to anyone other than your lender. If you can't pay, do not ignore warning letters from your lender; contact them instead.
Beware of any home-sale contract in which you are not formally released from liability for your mortgage. Make sure you know the rights you are giving up and that you agree to give them up.
Don't sign anything with blank lines or spaces; information could be added later without your knowledge and consent.
Updated: Mon, 08 Feb 2010 17:05:50 EST 15:05:50 MST -0700
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Body found in plane's landing gear bay
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3 shot during New Orleans celebration
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