U.S. HomeSavers Loss Mitigation
LOAN MODIFICATION REALITY PAGE
"NEVER AN UP-FRONT LOSS MITIGATION SERVICE FEE"
Welcome to US HomeSavers' Loan Modification Page.
| What is Loan Modification? |
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Loan modification is a process that allows homeowners and lenders to change the terms of a loan in order to help the borrower stop foreclosure. A loan modification is NOT a new loan. It is the renegotiation - or loan restructuring - of an existing mortgage note. For homeowners behind on their mortgage, or those with a low credit score, a loan modification is often the only option available because they are unable to get approved for a mortgage refinance or a short-refinance.
A loan modification can be done in several ways or combination of ways listed below:
- the loan's interest rate may be decreased
- the interest rate could be changed from an adjustable to a fixed rate
- the period of time the borrower has to pay the loan back can be lengthened
- the type of loan could be changed altogether
Many borrowers are facing foreclosure because their interest only or variable rate loan interest terms have sky rocketed beyond what they could have imagined. A loan restructuring is an agreeable way for both the lender and the borrower to avoid the cost and hassle of the foreclosure process.
Why pay some nebulous, just popped up out of nowhere loan modification company $1,000 to $4,000 when we have been negotiating loan modifications successfully for over five years?
CALL TODAY! 877-818-2500
100% Guaranteed Foreclosure Solution or 100% Refund |
Let's Be 100% Clear About Loan Modifications:
1. Your mortgage lender of servicer CAN lower your interest rate if they want to.
2. Your mortgage lender or servicer CAN lower your principal balance if they want to.
3. Your mortgage lender or servicer CAN extend the term of your loan if it benefits the investor who owns your loan.
4. Your lender or servicer CAN change your Adjustable Rate Mortgage to a Fixed Rate Mortgage on a temporary or permanent basis, if the have to.
5. No one, not even your lender or servicer, can guaranty any specific foreclosure solution without detailed "written" and verifiable pre-qualification information. We unconditionally guaranty our loan modification applications.
Notice that we said "CAN" and not "Will' modify your loan. Any person, other than your lender or servicer, who solicits you over the phone and says they will get your loan modified for an upfront fee is a scam.
- The overwhelming majority of homeowners who try to obtain a loan modification on their own fail because they do not submit their applications properly to their lenders. Our Loan Modification Applications are guaranteed to be perfect.
- According to several bank representatives, the majority of successful loan modifications are those assisted by an experienced third party even though they resent the fact that homeowners pay third parties a fee to do so. This is a quote folks. "We seldom approve loan modification packages direct from homeowners because the vast majority of homeowners don't understand our process or submit incomplete applications." EMC Mortgage Services.
- According to Consumer Credit Counseling, 87% of homeowner receiving outside assistance from reliable sources are able to keep their homes.
if a refundable $97application/commitment fee - on a money back guaranteed basis even doesn't seem fair to you, all we can do is wrap you up in God's love and wish you well. There is no *cost to order our loss mitigation application package. It's totally and without obligation. We will even help you complete the application at no charge.
Order Your Free Loss Mitigation Application Here
(*You can, however, get even faster service by ordering your loss mitigation application package via PayPal. No other Loss Mitigation Company can or will make this kind of risk free offer.)
YOUR LOAN MODIFICATION IS A PHONE CALL AWAY
Curt Pifer - 972-818-2500 or Liz Martin at 972-818-2502
For Faster Service, Order Your Application Package Here
We Accept Credit Cards, Debit Cards and Personal Checks
How does one motivate his or her mortgage lender or servicer to modify your loan?
It's all about the money. Your loan servicer's top priority is to collect mortgage payments on behalf of the investor who owns your loan. If, and only if, it is to the advantage of the investor -will you get any kind of fair deal or loan modification.
OUR JOB IS TO MAKE SURE YOUR APPLICATION FOR RELIEF IS SUBMITTED IN A FASHION THAT YOU WILL QUALIFY FOR A LOAN MODIFICATION - PERIOD!
Another thing we have noticed recently is many loan modifications are done incorrectly by the lender or servicer. In fact, some are not even legitimate loan modifications or have mistakes and ommissions. If you sign it - you are stuck with it. Before you sign any loan modification agreement, you should have an attorney or loan modification expert review your documents.
IN OVER 5 YEARS, WE HAVE NEVER FAILED TO GET OUR PRE-QUALIFIED CUSTOMERS A LOAN MODIFICATION.
Most homeowners who try and negotiate their own loan modifications fail - that's it. The old "HOPE NOW" fiasco and now Barbey Frank's newly adopted "HOPE FOR HOMEOWNERS" policy is ineffectual in helping struggling homeowners because Lenders are not mandated in the $700 BILLION BOONDOGGLE to bail you out of foreclosure. It is voluntary and you will still have the same servicer or lender to deal with!
THIS IS A GREAT TIME TO GET YOUR LOAN MODIFIED IF DONE RIGHT!
Done right is what we do guaranty precisely! The big secret about "successful" loan modifications is in HOW YOU APPLY for the loan modification so that the investor who owns your loan is motivated to APPROVE your loan modification. We are experts at submitting loan modification applications that WILL GET APPROVED.
With God and Dudley Doright as our witnesses, we are making this offer available on a first come, first served basis.
LOAN MODIFICATION
Consumers who purchase retail loss mitigation services from unassociated companies pay as much as $4,000 today. We think that is way out of line in most cases. People are willing to pay that much, however, to companies and persons with no track record. Most of these companies do not disclose their phyiscial locations or the owners of the company. That is just plain desparate and dumb!!!
Legitimate loss mitigation companies like US HomeSavers and our Loss Mitigation Association Member companies, only charge one mortgage payment or roughly 1% of the original loan amount for loss mitigation services. We think this is a fair retail price considering that most of you reading this page today paid 3% (if you were lucky) to as much as 12% in illegitimate mortgage fees for that nasty Alt-A or Sub-prime loan you are suffering with today.
How would you like to get rid of that nasty mortgage once and for all?
Here's the scoop on our Guaranteed Loan Modification Program:
A. Eligibility: Customers currently under consideration for a loan modification with their lender or servicer are not eligible for this benefit. If your lender rejects your loan modification application or if you suspect your loan modification is incorrect - call us! We may be able to re-apply or correct your loan modification.
B. Order: Call us toll free at 877-818-2500 and order a free, loss mitigation application package or fill out our secure online application and we will gladly e-mail the loss mitigation application package to you. We can tell you up front, at no cost, whether or not you are a good "candidate" for a loan modification if you call us. If not, we do have other alternatives through our normal loss mitigation service offerings. You will not get a sales pitch as this is for information sharing only. You can order online below:
Order Your Free, Confidential Loss Mitigation Application Here
C. Complete the Application: If you need assistance or have questions, call us. We are glad to assist you. Do not submit an incomplete application or false application as we are on your side. The written, formal application process is the most important element of a successful loan modification.
"Good Applications get Good Results"
Fax your complete application package and a check for $97 to our toll free fax number - 866-359-2649. We are a Verified PayPal Super User. You can pay your application fee via electric check, debit or credit card. A PayPal account is not required. All orders are subject to our 3-Day Right To Cancel Policy. Once your loss mitigation application is accepted by US HomeSavers, application fees are not refundable and charge-backs will be regarded as fraud. Please conduct yourself accordingly.
It's all about communication folks. Call us immediately or within three days after you submit our application so we can to go over your application together. We will accept or reject your loan modification application at that time or within a day or two, at most. If we cannot pre-qualify you for any foreclosure solution, we will immediately refund your $97 loss mitigation application fee. Our acceptance is only a "preliminary" acceptance for loss mitigation services, not an approval for any kind of loss mitigation solution.
After your preliminary acceptance, we will e-mail you a Working Agreement for loss mitigation services.
D. Payment Arrangement: Execute your Working Agreement only after you are sure of the terms. If you are unsure or have questions, talk to us. It is essential that we are on the same page.
US HomeSavers is the only loss mitigation company that offers convenient payment terms IF you decide to hire us.
Our physical street address is 4212 Lawngate Drive Dallas, TX 75287
Your check or money order will be held as a refundable deposit in our trust holding account - not our business operating bank account because you are still in the "preliminary acceptance" phase. Checks are ACH'ed from your bank account and take five business days to clear.
No gimmicks or gotcha's - guaranteed!
Guaranteed Loan Modification?
You are going to have to pay close attention here. There is no such thing as a guaranteed loan modification (contradiction?) and if anyone ever promises to modify you loan for $1,000, $2,000, $3,000 or more, up front - run.
As we have discussed numerous times on this website, only your lender, servicer and their investor can modify your loan if it is in their best interest to do so. Not every lender or servicer offers loan modifications referred to in the industry as "Loan Mods."
What makes U.S. HomeSavers different?
With the exception of one other company in the loss mitigation business, we have been around the longest, under the same name and management with absolutely no complaints filed anywhere, at any time in our five, nearly six year history. We aim to keep it that way.
No one, not even U.S. HomeSavers or its loss mitigation association members can guaranty that your loan will be modified. However, our formal loss mitigation application process is so thorough, if your loan modification is not approved by your lender, we will rebate 100% of your loan modification fee immediately without your having to even ask.
Your only risk is the $97.00 Loss Mitigation Application Fee which pays for approximately three hours of assistance to gather and complete your application, a complete budget analysis and budget counseling. Not a lot of money to risk for accurate, unbiased information and a Guaranteed Solution for your foreclosure problems. If you can't afford $97 for a guaranteed solution and you have a legitimate hardship, we can waive the loss mitigation application fee. Just don't be a cheapskate. It's not about the money. It's about our committment and YOUR COMMITTMENT to work together towards a solution.
OUR LOSS MITIGATION SERVICE PLEDGE
We can tell you over the phone if you might qualify for a loan mod and send you our free loss mitigation appliation package on that basis. If not, we will tell you up front and recommend other foreclosure solutions. Please call Curt at 972-818-2500 or 877-818-2500 if outside the Dallas, TX calling area.
We will not bait you into a loan mod then switch you to a repayment plan as our competitors might. If you are not 60 days overdue on your mortgage - do not send money to anyone unless you are ordering a Forensic Mortgage Loan Audit.
We will not string you along and send you packing to a bankruptcy attorney at the last minute as some competitors do.
We will not steal your money. Your investment is safe as we do not pay ourselves until we have performed a specific service or delivered a specific product. (Forensic Mortgage Loan Audit)
Loan Mods can be approved by your lender within 3 hours, 3 days, 3 months and in very few exteme cases, up to a year after they receive our complete application package. We will hang in there with you for as long as it takes.
Your Application Included Free Loss Mitigation and Budget Counseling.
Check Our Prices:
Wage Earner Loss Mitigation Application Fee: ONLY $97.00 (Refundable, Risk Free, No Obligation)
Self Employed Persons Please Call US.
Let's get sarted: Fill out our free, secure, online application by clicking here.
For Faster Service, Order Your Loss Mitigation Application Here
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