Indy Mac, Wells Fargo, Bank
of America, Chase, GMAC, Wachovia and Ocwen have the most uncooperative,
incompliant and difficult loss mitigation
departments to deal with. As a home owner,
it is very difficult to get them to work
with you. They don't return phone calls.
They require you send and re-send them
There is a specific reason that you have to
submit and re-submit your loan modification
application documents to them over and over
again. They come up with every excuse in the
book as to why to have to send them again.
Does this sound familiar?, "we lost your
documents" - "they've expired" - "you sent
then to the wrong location" - "you forgot a
signature" - or "we didn't receive them".
Even if you have conformation that they did
receive the package, they still claim that
they don't have them.
reason they come up with all of these
excuses is to get you to re-submit them.
This is done because every time you to send
the same documents, they process them as a
"new application". And every time they
process a "new application"; they get paid
by the government. So the fact that
you have to do it over and over again is no
accident, this is done by design. All the
while you're incurring more and more late
fees. The reason they can give you the
run-around and ultimately deny you a
permanent modification is because they know
you are not an underwriter; you don't know
how to exactly submit those "application
packets". When your file has been
transferred to a different department and
then that department has no idea what has
transpired or what is going on with your
file, this is also done by design, it is,
shockingly enough, to get you to send them
the same documents again! All the while,
you're that much closer to foreclosure
because your loan is already in default and
they wont except payments!
We have personal
relationships with the staff in the Loss Mitigation department with
these lenders. More importantly, we know how their game works.
When we submit your case file, it is
formatted in a way that is indicative of a
program that you're pre-approved for. If the
lender does not take timely and cooperative
action, they assume liability.
We understand that good people sometimes are
in need of help with dealing with their lender. Sometimes foreclosures are a result of
an unexpected life event, such as:
Too much debt
Changed Jobs or Loss of a Job or Income
Difficult and Costly Divorce
in the Family
Difficulties resulting in expensive Medical Bills
Perhaps you're struggling with increased fuel prices and or utility
expenses or an adjustable rate mortgage (ARM) that is impossible to
keep up with. Maybe you've already experienced filing bankruptcy or
were forced to get a forbearance, but turns out that the repayment
plan didn't work out. Or maybe your payments, because your mortgage
has been sold or traded, were rerouted or lost . Here is an
opportunity to help you get your situation back on track.
Good People Need A Second Chance
Whatever the struggles you are having, we understand how it feels to
choose between a mortgage payment or groceries. We understand what
it's like to be harassed by continual phone calls from your mortgage
lender ... calling you at home, calls at your place of business and
letters in the house.
You need to save your home but you're nervous, understandably,
because your mortgage lender is asking for too much money. You're
not asking that they forgive the loan but you need help getting a
payment plan that you can handle. You just need a professional on
your side that knows how to negotiate with your lender to get you
back on track.
People are like diamonds and so can be their financial situations.
We have caring people that understand, who want to help you save
your home and get yo back to where you need to be. We have the
experience to help you get back in charge of your finances.
Confidential Resolution Form
more information, please contact