What We Do

It's all over the news - home foreclosures throughout the United States are at an all time high. If you are facing foreclosure and wish to keep your home, contact us immediately!

We can possibly help you keep your home, even if you are behind in your payments. We offer Free Preliminary Audits. Our negotiation team, will review your mortgage papers to establish:

Facts that might lead an attorney or holder of your mortgage to discover that there were violations of state and federal consumer protection laws.

Your ability to qualify for a modification under appropriate underwriting standards given the situation.

The team is comprised of attorneys and loan underwriters who have been trained by some of the country's foremost experts in Predatory Lending laws, underwriting and mortgage origination.Once you agree to a modification strategy and plan, the team begins the "heavy lifting" that brings about a modification.

Most homeowners do not realize that there is an enormous difference between their originator, servicer and holder. Your originator was a lender and/or broker. These are the entities that may well have violated the law when your loan was made. Your loan often was sold through a securitization to its present holder. The holders have retained a "servicer" to administer your loan.

Servicers have little or no reason to modify a loan as they are paid regardless. The originator has only a very remote interest in what happens to your loan. The entity that cares is the holder which will lose money on an unnecessary foreclosure. Unfortunately, the servicers have, for years, become used to a system in which they would not negotiate modifications. With millions of foreclosures occurring, however, holders, especially when presented with the costs of a litigated foreclosure, are normally supportive of a well considered modification. Almost unbelievably, however, the communication of the desire to modify has not trickled down to the servicers.

We attempt to break through the maze of servicers, attorneys and holders to reach a decisionmaker who can modify the loan. We present the facts to them-often facts which show improprieties when the loan was originated and that will be used by the borrower to defend a foreclosure action. WE SIMPLY DO NOT TAKE "NO" FOR AN ANSWER! Only once all possible negotiation resources have been used will we turn the matter over to our customers or their attorneys for litigation.