Mortgage Loan Modification

Keep Your Home, Keep Your Dream.

Are you frustrated with your house payments? We may be able to help you reduce your house payments, just by negotiating your loan terms with your lender. Keep your house and reduce your payments!

Are you a candidate for a loan modification?

If you answer "yes" to just one of the following questions, you MUST give us a call!

• Are you tired of paying your high mortgage payments?
• Has your mortgage payment adjusted with no end in sight?
• Has the value of your house dropped?
• Are you depleting your 401k or your retirement account in order to make ends meet?
• Are you living off of credit?
• Have you experienced a job-loss?
• Are you in a negative amortization mortgage with your balance increasing to no end?
• Have you experienced a change in job or income?
• Are you worried about losing your home?

There is an answer to your problems! A lot of people heard about refinance, but have you heard about modifying your existing loans? Call 602-740-3257 to find out how.

We negotiate with your lender

With the right information, a lender has the ability to modify the terms of a loan to make it affordable to it.s. homeowners. Due to the cost of recent volume and high cost of .taking back. (foreclosure) a home, lenders are more often than not willing to accept a loan modification instead of a foreclosure. We believe that you should have a chance to overcome your financial hardship and keep your home. With a loan modification you can. Let us help you get into a manageable position.

We provide free consultation

Enjoy our free consultation. Then, if we can.t help you reduce your total loan payments (over the life of the loan) by more than our fees, your application fee will be refundable and you will not be charged any success fee.

What We Can Do For You

Our professional and experienced staff is here to help answer questions. See if you qualify for a loan modification today with no cost or obligation. We can get you into a situation specifically tailored to your needs. Here are some of the services we offer:

• Lower payments
• Reduce principal balance
• Reduced or settled second or Home Equity Line of Credit
• Reduce interest rate and/or improve terms
• Switch to a fixed rate

We can guarantee that you will save money over the life of the loan or you don't pay a dime.

LOAN MODIFICATION SERVICES

Loan Modification Center has a goal to help as many homeowners as possible. We are homeowners as well and have been personally affected by the current housing market crisis. Our staff understands just what you are going through and are here to help by offering a permanent solution to a very stressful and serious situation. We can provide you with a way out and help put you back on track.

Loss Mitigation Specialists

The Loan Modification Center is an attorney based loss mitigation company specializing in helping struggling homeowners save their house by negotiating a Loan Modification with their lender on behalf of the owner.

Our Attorneys Negotiate Your Loan Modification
We Work With Your Lender To Stop Foreclosure
We Help Reduce Monthly Payments And Fix Your Rate
We Help Homeowners To Save And Keep Their Homes

WHAT WE DO

We help prevent your home from going into foreclosure.

We negotiate with the bank to stop the foreclosure process and get you back on track with your mortgage.

We provide you a permanent solution which you can afford.

We negotiate for a one-time permanent solution to your problem, which helps reduce the anxiety you are currently experiencing.

HOW THE PROCESS WORKS

We gather up all information from each client
We perform a full financial and debt analysis
We help you prepare a hardship letter
Negotiate new rate & terms with your lender
Submit a complete modification package
Put a stop on the foreclosure process

Our legal staff will work with you throughout the entire modification process. They will help you prepare a hardship letter, gather all required documentation and keep you updated during the negotiation and proposal stage of your note modification. We know what a stressful and anxious time this can be and we will do our best to keep you in the loop all the way through till modification agreement.

The Modification Package

A complete modification proposal, including debt analysis and property evaluation is submitted to the bank's loss mitigation department.

When the bank receives a full and complete package, including all the information required up front, it allows them the opportunity to immediately review the file and make an informed decision about your modification. Our proposals are compiled in such a way that it makes the lender say yes to a modification agreement.

STEP 1: Gathering Documentation, Faxing or Mailing back for full process.

Documentation Needed:

Signed Loan Modification Disclosure & Agreement

Signed Authorization form for each of your lenders

Copies of all legal notices you have received from your lender(s)

Most Recent mortgage coupons for all mortgages

Copy of the Note(s) on all loans secured against your home

1 month most recent pay stubs for all borrowers

2006 and or 2007 W-2’s or 1099 if apply

2 months most recent Bank Statements (ALL PAGES)

STEP 2: 72 HOURS FILING

Once we receive the information listed above, our Legal Department will start filing and preparing your loan modification case for submission to your current lender. At this point, you will receive a welcome call from our Legal Department, and request for any additional information needed to strengthen case. Your lender is also notified that you are working with us in saving your home.

STEP 3: NEGOTIATION AND CLOSING: One of our legal in house counsels will work with your current lender to negotiate terms to ease your mortgage hardship, and put you back on track with your mortgage.

Click here for more info and Start Today or Call 602-740-3257

If you want to do it yourself here is a list of Banks and the loss mitigation depts:

Lender/Servicer Loss Mitigation Phone Numbers & Contact Information

ABM AMRO Mortgage (800) 783-8900
Web: https://www.mortgage.com/C3/application.bus

Accredited Home Lenders(877) 683-4466

AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
Web: https://www.myamcloan.com/malwebapp/begin.do

American Home Mortgage Corp.(877) 304-3100*

Ameriquest Mortgage (Debt collection -- see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services Loan Mortgage Modification dept (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service Aurora Loan Services
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
Web: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx

Avelo Mortgage LLC (866) 992-8356*

Bank of America(800) 846-2222

BB&T Mortgage Modification dept (800) 827-3722*

AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422*

Charter One Loan Mortgage Modification dept (800) 234-6002

Chase (800) 446-8939 Loan Mortgage Modification dept
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon

Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)

Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)

Citi Financial Mortgage (800) 753-3673

Citimortgage Loan Mortgage Modification dept (800) 283-7918

Countrywide Loan Mortgage Modification dept (800) 262-4218
https://customers.countrywide.com/se...t_login254.asp

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp

EverBank Mortgage Modification dept (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank Loan Mortgage Modification dept (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Loan Mortgage Modification dept (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree Mortgage Modification dept (877) 816-9125

Homecomings Financial Loan Mortgage Modification dept (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489

HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem) HSBC
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web:http://us.hsbc.com/personal/mortgage/existing/difficulties.asp

Huntington National Bank (800) 323-4695

Indymac Bank Loan Mortgage Modification dept (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp

Irwin Mortgage Loan Modification dept (888) 218-1988
P.O Box 7014
Pasadena, CA 91107
Web: https://www.irwinmortgage.com/wps/portal/!ut/p/cxml/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4g3sdAvyHZUBAAqwx 9c
E-mail: deliquency.prevention@irwinmortgage.com

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp

Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp

Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com
Web: http://www.mlnusa.com/customers/info_credithelp.asp

Mortgage Electronic Registration Systems (888) 679-6377

National City Loan Mortgage Modification dept (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner's Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)
Web: https://myloan.newcentury.com/webapps/servicing/myloans/index.do

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm

Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518
Web:https://www.phhmortgage.com/sso/mq/login.jsp?TYPE=33554433&REALMOID=06-9153316d-cf4d-4425-a5d7-c0b20a7b098d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGE NTNAME=phhmort-stb&TARGET=$SM$https%3a%2f%2fwww%2ephhmortgage%2ec om%2fhome%2flandscape%3fjpid%3dLogIn%26loginmode%3 dregistered&SMSESSION=NO

ResMae Mortgage Corp.(877) 473-7623, ext. 5944

Saxon Loan Mortgage Modification dept (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)
Web: http://www.spservicing.com/services/customer/loanresolution.htm

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfirld Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am - 10 pm EST Monday - Thursday)
(7 am - 9 pm EST Fridays)
(8 am - 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com
Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst

Wells Fargo Loan Mortgage Modification dept (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx

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