What exactly is a loan modification?

A loan modification is a permanent change in one or more terms of a borrower’s home loan, allows the loan to be reinstated, and results in a payment the homeowner can afford.

I AM NOT IN FORECLOSURE, CAN I STILL LOWER MY PAYMENT?

Yes, in many cases, this is easier because you have maintained your good credit with your lender. If your ARM is getting too high, we can help lower and fix the payment and interest rate.