How It Works

If you think loan modification is difficult and stressful, you are half-right. It can be if you're not a professional. But we are professional loan modifiers, and with our knowledge and negotiating, we help negotiate with your lender to achieve an affordable new monthly payment. You don't have to worry about what to say, who to call, how to negotiate, we take care of all of that for you. We have successfully negotiated many difficult scenarios, so we know how to negotiate yours!


Getting Started

First complete the short application on our site (click here). Then one of our representatives will call you with a no-obligation consultation. If we determine you are a good candidate for loan modification, you may then be asked to complete a more detailed application.


Hardship Letter and Documentation

You will need to provide a hardship letter, financial documentation for us to begin the loan modification with the bank. Our staff will provide a hardship letter tutorial for you to write this letter which explains your financial situation and why you need the modification. You will often also be required to provide your last two months bank statements, proof of salary, federal tax returns.


Our Turn

After we have all the paperwork arranged, we will then begin negotiating with your lender, to reach a satisfactory modification. We can often do this in less than 60 days. While we are negotiating, you do not have to worry about dealing with the banks, you can relax and let us do the work for you.

Click here for your no-obligation consultation.