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an attorney-client relationship. I understand that Finance Home
Solutions is only conducting an initial review of my situation. This
website is Intended for general information only. The
What is a Loan Modification?
Loan Modification is the reduction in one or more of the following:
Interest Rate; Principal Balance; Penalties. It also must bring the
account current, creating a fresh start for the borrower.
There are many
reasons for seeking a Loan Modification, however not everyone can
qualify. Most Lenders will tell consumers they do not qualify, or deny
the first attempt in order to collect the full amount due.
Our team will
qualify you according to lender guidelines, and negotiate on your
behalf to force the lender to accept a modification.
A Loan Modification
will create a current account and give you the ability to keep your
How We Can Help
Once your program has been established through Finance Home Solutions,
we will handle the negotiating process and protect your consumer rights.
modification process has been developed over the years by our experienced team
of professionals, which include ex-bankers and real estate attorneys who are
highly skilled in their respective areas of expertise.
We use the Forensic Mortgage Loan Document Audit as basis for gaining
leverage in lender negotiations. This Audit reveals various Federal and State
violations or errors in the original loan documents.
Our internal auditing
statistics show that more than 97% of the loans we have audited have
Reasons to Conduct a Forensic Loan Doc Audit:
Points & Fees
We work directly, and 100% for you.
FINANCE HOME SOLUTIONS will contact
each of your creditors, individually, and let them know that we are
representing you, and your intent of settling the current debt.
a settlement usually takes several phone calls and other forms of
communications between Finance Home Solutions and your creditor.
settlement offer has been reached, and you as the client have agreed on this
amount, we will obtain that settlement offer in writing.
Many creditors will not deal with anyone
but experienced professionals. We deal with the lenders legal departments,
bypassing the collection agents who only want to get as much money as
This most often results in better settlements than any attorney
or non-attorney program. We immediately send out to your lender(s) a Cease and
Desist letter through certified return receipt mail, requesting that the lender
stop ALL COLLECTION CALLS in accordance with the Fair Debt Collection Protections