Free Loan Modification
Free Lender Fraud Analysis

Modification: If a deferment is a "band-aid", then a modification can be considered to be "surgery". The goal of a modification is to permanently change your loan terms in order to permanently reduce your monthly payment.

 

There are a few basic elements of a loan that could possible be changed:

 

1) The Rate - While not impossible, a rate change is unlikely. The main reason is that many SBA loans are sold to investors. Since the investor agreed to buy the loan at a certain rate, an investor will rarely agree to a rate reduction. Additionally, if a lender were to use risk-based pricing, lowering the rate on a defaulted loan would be out of the question.

 

2) The Term - Out of these 3, a lender is most likely to look at extending the term of your loan, thereby reducing the payment. For example, if you have a 10 year loan, they might look at extending it to 15 or 20 years.

 

3) The Principal Balance - Writing off principal is not an option if you want to keep your business open. The SBA does have a settlement process, but in order to qualify, a business must cease operations and all business assets must be liquidated.

 

  

For Free Loan Modification Assistance
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Disclosure

 
   By submitting information on this form, you have reviewed our privacy policy. Our privacy policy tells you how we will use the information that you provide and how you can prevent us from sharing that information with other.
Important-please read: by providing your contact information on this website, you are expressly granting permission to be contacted regarding free loan modification assistance services even though you may have previously chosen to have your telephone number added to any do-not-call list including lists maintained by any local, state, or federal government agency. This is not a government site or program. There is information on this site to help you find out more about the government programs that exist.
     This is an advertisement offering, for a nonprofit legal loan modification, mortgage short pay refinance/origination, foreclosure rescue services or lender litigation law suit. The advertiser or companies offering these services are not associated with any local, state or federal government agencies.
     Additionally, the companies providing any of the services mentioned above is not associated with and does not have any inside relationship with any particular lender and/or mortgage servicer. The companies providing these services mentioned above as described in this advertisement maybe either non profit or for-profit entities.
     We are not associated with the federal government or the American reinvestment and renewal act. We are not a government agency and are not affiliated with naca , hope now, housing and urbad development (hud), bank of america, chase bank, jp morgan chase , wells fargo, bank one, indymac or one west bank, citi bank, fannie mae or freddie mac, federal housing administration (fha) , litton loan servicing, ocwen or aurora loan servicing.

 

Respectfully,

 

Consumer Protection Assistance Coalition

A Nonprofit Law Clinic

 

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