Loan Modification Home Saver Program

Loan Modification Home Saver Program

Missed a mortgage payment?
On a Negative Amortization Loan?
Do you want to keep your home?
Are you frustrated in dealing with the bank and their lawyers?
Have they been uncooperative in resolving your situation?

We specialize in out-of-court resolutions of Mortgage Foreclosures by negotiating with your lender. Let our expertise help you save your home.

C & A Capital and Realty Services, Inc. works with a team of negotiators, who are comprised of attorneys, paralegals and real estate brokers specializing in “NATIONWIDE” Loan Modifications and Renegotiations.

As you may have already experienced, lenders can take advantage of a homeowner's lack of knowledge and negotiating prowess. In fact, most homeowners never even reach the real decision-makers.

Homeowners wind up settling for much less, than they could have without our help. Statistics indicate that without legal representation, you will not get the same results!

Our current typical homeowner profile is:

Is in an Pay Option ARM/Negative Amortization Loan
Is in ANY kind of Adjustable Rate Mortgage
Is an 80/20 loan with short term fixed rate then becomes an adjustable rate, 2/28 or 3/27 programs
Is an interest only loan
Is upside down with their home value
Has suffered a loss of income due to illness/medical issues, temporary lay-off, divorce or separation, incarceration, death of a spouse, relative or co-borrower

We are able to help clients stay in their homes by renegotiating their loan to more favorable terms such as a 30-year fixed and in some cases having the bank reduce the loan amount.

Successful mitigation can be accomplished with:

Vast experience negotiating with lenders,

Extensive knowledge of lender mitigation guidelines,

Thorough knowledge of homeowners' current financial circumstances,

Negotiation leverage derived from well-established long term lender relationships

If you can’t refinance and do not want to short sale your home – then a Loan Modification is the program you’ve been looking for.

As long as there is a “Financial Hardship” we can help!

A hardship can be any of the following:

·         Being on a Negative Amortization Loan
·         Currently on an ARM that has adjusted OR is about to adjust
·         Reduced Income for any reason
·         Job Loss
·         Illness
·         Divorce
·         Medical Bills
·         Even Incarceration

A loan modification is when the lender modifies your current mortgage in order to work with you because of a hardship. The purpose is to help make your loan more affordable. Usually it is in the form of a rate reduction and/or fixing the rate for a certain amount of time.

In the past, this was only used when a borrower was delinquent and suffered a hardship such as a job loss, divorce, illness etc.

Now, borrowers can obtain mortgage help from their lender for unaffordable rate adjustments on adjustable rate mortgages.

The earlier you get started, the better your chances are of negotiating a fixed rate and a payment that you can manage.

Our Mitigation Team will negotiate with your lender to modify your loan, so you don't have to! Because we know and work with lenders regularly, they are very receptive to us and our clients. We know how to present your situation to them so that you end up with the best solution.

We try to understand the needs of each client. We understand time is of the essence and honest, straightforward solutions are a must. We do not beat around the bush. We believe in the "speak straight, talk straight" mentality. We are solutions/results oriented and knowledgeable.