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Note: I am not an Attorney and any information I provide is not to be taken as Legal Advice, my reason for writing this article is only to create awareness for the benefit of Borrowers and Families at hardship. I work for a Law Firm specializing in the representation of Homeowners and Families in braces of Foreclosure. What the note holder doesn’t tell you is that in most scenarios, the Mortgage Mod terms the banks are willing to give you voluntarily when you modify your loan directly with them are in most cases substandard in comparison to the modification terms you will receive when hiring an attorney who specializes in Loan Mods and Foreclosure Defense. Again, I am not a Attorney but I have been working for a Foreclosure Defense law firm for longer than most authors on the subject and my Mortgage Lending experience is extensive.

Working for a Loan Mod & Foreclosure Defense law office, in my personal daily experience it has become apparent that a good law firm is most often able to negotiate much better modification terms for clients than banks are normally inclined to give when a borrower engages in direct dealings without representation. In some cases I’ve even seen scenarios where the law firm is able to secure modifications to a mortgage which result in interest rates an repayment plans for “B-C Paper” or Sub-Prime Borrowers which are far superior than those available to “A Paper” borrowers with spotless credit histories and FICO scores above 725.

Loan Modifications (also referred to as Loan Mods), when executed by licensed attorneys, can be very effective methods of ending foreclosure before it starts by adding changes to the original terms of your mortgage. Altering your mortgage terms can be a HUGE savings in regards to your Monthly Payments, Interest, and even Mortgage Terms in regards to the number of years in which you have to repay the loan, and sometimes resulting in a great savings due to a reduction to the Principal Balance amount owed on the loan.

Forensic Audit is one of many ways used to show Fraud and other serious Mistakes made on behalf of the Lender during the origination and closing. Forensic Audits show things like Forgery or Violations of the R.E.S.P.A. (Real Estate Settlement Procedures Act), T.I.L.A. (Truth In Lending Act), among others in relation to Federal Guidelines and Regulations which must be strictly adhered to by professionals working in the Mortgage Lending Industry. Once discovered these violations can become essential to the defense of your house and modification of your mortgage. Lenders are often much more inclined to work with homeowners to give loans in their best interests when there is an attorney behind them with enough artillery in their war chest to influence a Judge to rescind or take the loan back from the bank.

Banks have become the casinos and if they had it their way “The House Would Always Win” Do yourself a a good turn and put the cards in your favor by hiring a Foreclosure Defense Law firm. This way you can win instead!

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