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There are many different reasons for someone to be unable to make their mortgage payment, and regardless of what yours may be, there is most likely a way to avoid foreclosure!
We can help you solve your mortgage problems - CALL US NOW at 561-509-5565
We take pride in helping people keep one of the most important assets in their lives...
...their HOMES!
Contact us today, and rest assured if it can be done, we will find a solution for you and your family.
We are so confident in our staff of professionals, that we offer our services with a money-back guarantee.*
SCAMMERS... You have BIG worries about losing your home to FORECLOSURE, and THEY are waiting for you with their "easy solutions" to all your problems!
Some of them get you to sign so many forms that you just do it, not really reading what you are signing because you trust them, and you soon find out that you actually assigned them with 'power-of-attorney' and...
YOU SIGNED YOUR DEED OVER TO THEM!
...AND YOU STILL OWE THE BALANCE OF YOUR MORTGAGE!!
Arrow Loan Modifications
We look forward to helping you keep your home!
Besides the obvious fact that a homeowner will lose his or her place to live, there are other ramifications that will affect someone facing foreclosure, including emotional and financial burdens:
Losing the home. Foreclosure is a very difficult and emotionally-devastating process for homeowners and their families. It comes atop of already existing financial and other problems, and has long-lasting effects for years to come.
Losing all saved equity and appreciation in the home. Homes increase in value each year (in most cases). The longer a person lives in a home, the more the home's value increases. In many cases the combination of the equity and appreciation can translate into the homeowner losing a significant portion of life savings.
Increased taxes. A lender that loses money from the sale of a foreclosed home must report the loss to the IRS. Subsequently, the IRS requires the previous owner to report the lender's loss as income on his or her next tax return and pay taxes on it.
Inability to borrow money in the future. The most serious consequence facing a homeowner is the immediate destruction of their credit profile. A foreclosure is a serious derogatory item that will label a person as unworthy for credit. It will remain on the credit report for at least 10 years.
Inability to buy a new home for a long time. Current lending guidelines restrict lenders from providing new mortgages to anyone with a foreclosure on their record for at least 5 years.
Difficulty in renting an apartment. Landlords are routinely checking credit history for all applicants, and have significant restrictions for anyone with bad credit. They could have policies of outright denial to rent or demand significant cash deposits as well as increase in rental fees.
Lawsuits. In many states the lender has the right to recover part of the loan that was not repaid by the sale of the property at a public foreclosure sale. When there is a deficient amount realized from a foreclosure sale, the lender can sue the borrower and get a deficiency judgment against all other assets of the borrower, causing the borrower to be personally responsible for repayment of the loan.
Loss of employment, difficulties in finding another job. Some employers require their employees to maintain good credit histories. Notification of a foreclosure may be grounds for an employer to fire the person from his or her job.
Increase in insurance premium rates. Insurance companies routinely use credit scores to calculate their risks (regardless of insurance type including auto, life, health, etc). Statistically, people who have a poor credit score are more likely to file a claim resulting in higher insurance premiums.
Challenge to security clearance. Foreclosure is the most challenging issue against a security clearance, outside of a conviction for a serious misdemeanor or felony. If a client has a foreclosure, and is a police officer, in the military, a government employee, a security officer, or any position that requires a security clearance, in almost all cases, clearance will be revoked and position will be terminated.
What Can You Do?
Step 1
Contact rrow Loan Modifications immediately for FREE 24-hour recorded information at 561-509-5565.
There is no more time to waste.
Step 2
Receive a free loan modification consultation on how we can potentially save your home from foreclosure, eliminate late payments, late fees and adjust your mortgage payment down to an amount you can afford.
Step 3
Review your options, do your research and only select loan modification if it makes sense to you.
If staying in your home while becoming current, wiping out late payments and fees, and having a negotiator working on your behalf is valuable to you, then contact us now.
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What is Loan Modification?
...A modification to an existing loan made by a lender in response to a borrower's long-term inability to repay the loan.
Loan modification is a process that allows homeowners and lenders to change the terms of a loan in order to help the borrower stop foreclosure.
A loan modification is NOT a new loan. It is the renegotiation or loan restructuring of an existing mortgage note. For homeowners behind on their mortgage, or those with a low credit score, a loan modification is often the only option available because they are unable to get approved for a mortgage refinance or a short-refinance.
Loan modifications typically involve a reduction in the principal balance, interest rate or an extension to the length of the loan term, in some cases a different type of loan or any combination of the three.
A lender might be open to modifying a loan because the cost of doing so is less than the cost of default or foreclosure.
A loan modification can be done in several ways or combination of ways listed below:
the loans interest rate may be decreased
the interest rate could be changed from an adjustable to a fixed rate
the period of time the borrower has to pay the loan back can be lengthened
the type of loan could be changed altogether
A loan modification agreement is different from a forbearance agreement.
A forbearance agreement provides relief for borrowers who have temporary financial problems, while a loan modification agreement is a long-term solution for borrowers who will never be able to repay an existing loan. Loan Modification is sometimes the only way to avoid foreclosure.
Many borrowers are facing foreclosure because their interest-only or variable rate loan interest terms have sky rocketed beyond what they could have imagined. A loan restructuring is an agreeable way for both the lender and the borrower to avoid the cost, embarrassment, and devastation of a foreclosure.
Arrow Loan Modifications will have a qualified and ethical representative working with you, to help you save your home.
Do not take this burden on by yourself.
That is exactly what your lender wants. Be prepared by having rrow Loan Modifications on your side.
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Can I refinance?
In today's market, with home values declining, it is very difficult to refinance, especially if you purchased in the last few years with very little or no money down. Property values are down, and you may owe more than your property is worth.
Even with the declining property values, I still have Equity in my house. Can I refinance?
Refinancing is possible, but the market has changed drastically. Stated Income loans are pretty much a thing of the past. Now Good Credit AND Proof of Income are required for almost all loans.
If I have Equity, Good Credit, and Proof of Income, is refinancing my best option?
Potentially. We will explore all of the options available to you.
What is my Best Option?
Loan Modification is often your best option. Let us work with your lender, attempt to lower your interest rate, and push off your past due balance to the end of your loan, giving you a fresh start!
What We Do For You:
Arrow Loan Modifications is a homeowner advocacy firm, whose only business is to negotiate mortgage modifications and payment reductions for homeowners. We are not mortgage brokers, and we are not affiliated with any bank. We negotiate directly, on your behalf, with your existing mortgage lender to get you the relief you so desperately need.
We can potentially:
Modify your adjustable rate mortgage to a lower interest fixed rate mortgage.
Modify your high interest fixed rate mortgage to a lower fixed interest rate.
Reduce the principal on your first or second mortgage if the value of your home has substantially declined.
Postpone or reduce your mortgage payments if you are sick, disabled or out of work.
Prevent foreclosure, even if you are 1, 2, 3, or more months late on your mortgage payments.
An rrow Loan Modifications specialist will assist you in gathering the financial information and documents listed in our Client Package (click here to download). Once the package is complete, the Arrow Loan Modifications specialist will craft the best mortgage modification strategy for you.
Our staff will then begin formal negotiations with your lender. It usually takes us between 30 and 90 days (depending on lender and file complexity) to conclude our negotiations. During that time, we will give you regular status updates. We will then present the proposed mortgage modification to you. If acceptable, we will coordinate with your lender to have your mortgage modification finalized. Your lender will send us the necessary mortgage modification documents for review. After we make sure the terms of your modification are as agreed, we will forward the documents to you for execution. Start enjoying your lower monthly mortgage payments almost immediately!
Your home is your most precious investment.
Let the professional team at Arrow Loan Modifications make your home affordable again.
Call 561-509-5565 for FREE 24-hour recorded information, and connect with one of our loan modification specialists.
Client Package:
Our comprehensive Client Package contains all the necessary forms to get your Arrow Loan Modifications mortgage modification started. It includes the following:
1. Cover Letter with Instructions
2. Mortgage Modification Services Agreement
3. Authorization(s) (please complete one for each mortgage)
4. Authorization to Release Information
5. Credit Card Authorization Form
Document Package
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Is there any other information you would like to share with us?
No thanks, I just want to see the Client Package now!
No thanks, I just want to see the Document Package now!
After we receive your Client Package, we will need certain documents and financial information to negotiate your mortgage modification with your lender. This information is included in our Document Package, which includes the following:
1. Mortgage Modification Document Checklist
2. Financial Worksheet
In order to better assist you, please fill in as much information as you feel comfortable sharing with us, and then hit the "SUBMIT" button.
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