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What is Loan Modification and Can’t Qualify for a loan?

A loan modification is a PERMANENT change in one or more of the terms of your loan creating a Brand New Contract between you and your Lender. We will work with the Lender to renegotiate your NOTE that will reinstate your loan and give you a fresh start by adjusting your balance and improving your credit status.

If you don’t have equity, or an acceptable credit score (620), income to support the new loan, approved DTI (Debt to Income Ratios) or any other reason preventing you from refinancing traditionally into a new loan, the mortgage modification is your next step. It is not necessary for you to be late on your mortgage, in fact, some lenders will not negotiate better rate terms, if you are behind on your mortgage payments. Remember, every situation is unique when we negotiate with your lender, and an approval is subject to the lender’s guidelines/procedures. Let us help you structure your hardship package professionally and help you save money every month.

US Mitigators is an independent mortgage modification company and works in the client’s best financial interest. Our services are guaranteed by our experienced staff and attorneys or we guarantee your money back. We will work directly on your behalf with your existing lender to modify your mortgage terms. Since we prescreen all our potential clients, USM has a 100% success ratio on all of our in house mortgage modifications. This is the difference between USM, and a Non- Profit organization that handles millions of daily requests. Our dedication and efficiency will help you save money by doing something now and not hoping for tomorrow!

Below is a List of Options, the Lender’s offer to distressed homeowners:

• Delinquent Payment are usually summed up and added into your principal balance. This allows you to start fresh and NOT have to catch up with your payments. In some cases, depending on the lender, they can request an initial good faith deposit to use this option.
• USM has been successful reducing interest rates to as low as 3.50% and principal reductions. Please understand, it’s on case by case bases, and it is our job to calculate your debt to income ratios effectively in order for you to qualify for the best possible rate you deserve.
• Positioning and disclosing your expenses can be a difference between a denial and an approval on your hardship request. Therefore, as mentioned before, it is very wise to hire a professional company who has the proper experience. This can result in Thousands of saving and getting an Approval.
• Under some circumstances, the Lender may elect to reduce the balance of the loan. This decision will be driven by how much equity you have in your home compared to how much is owed on the home (LTV).

Banks We Work With

• ABN AMRO Mortgage Group
• Accredited Home Lenders
• Allied Home Mortgage Capital Corp.
• American General Finance Corp.
• American Mortgage Acceptance
• ASC
• Bank of America
• Bear Stearns Residential Mortgage Corp
• Capital One
• Chase Home Finance
• CitiFinancial
• CitiMortgage
• Countrywide Home Loans
• Downey Savings and Loan Association F.A.
• E*TRADE Mortgage Corp.
• Fannie Mae
• Financial Freedom Senior Funding Corp
• First Horizon Home Loans
• Flagstar Bank
• Freddie Mac
• Ginnie Mae
• Grandbridge Real Estate Capital LLC
• HSBC Finance Corp.
• Impac Lending Group
• Indymac Bank FSB
• Litton Loan Servicing
• Meridian Capital Group LLC
• MortgageIT Inc.
• National City Mortgage
• Nationstar Mortgage LLC
• North Fork Bancorporation Inc.
• Ocwen
• PHH Mortgage
• Prudential Mortgage Capital Co
• Residential Capital LLC
• Saxon
• Select Portfolio Servicing Inc.
• SunTrust Mortgage, Inc.
• Thornburg Mortgage Inc.
• U.S. Bank Home Mortgage
• Wachovia
• Washington Mutual
• Wells Fargo Home Mortgage

We will give you a quote based on your prequalified loan scenario.