This site is built to assist homeowners who can no longer afford to make their monthly loan payments. While not every borrower will qualify, those who are current, but having difficulty making their payments or have already missed one or more payments may be eligible.

What is a Loan Modification?

A Loan Modification is a permanent change in one or more of the terms of a Borrower's loan, allowing the loan to be reinstated and results in a payment that the Borrower can afford.

Frequently Asked Questions

Q: How do I know if I will qualify for a loan modification?

A: Sustained home ownership is our goal. That is why we created this website to collect the necessary information to assess eligibility. Complete the form above to Get Started on the qualification process.

Q: Will a loan modification help stop a current foreclosure process?

A: Yes, that is the goal. By working together to find a loan workout solution, your loan is brought current and the foreclosure process is halted.

Q: Do I have to be delinquent on my payments to get a loan modification?

A: Most lenders are now accepting applications from homeowners who are not currently delinquent, but who are able to prove to their lender that due to imminent interest rate increases, they will no longer be able to afford the loan payment under the terms of their loan. It is advisable to contact your lender as soon as possible to start the loan modification process, regardless of if you are delinquent or not.

Q: What is an acceptable hardship situation?

A: Each homeowner has a unique set of circumstances that causes them to fall behind on their home loan. Generally we consider-loss of income, death of spouse, co-borrower or family member, illness, job relocation, military service to be acceptable reasons to consider a loan modification.

Q: So how do I get started to modify my loan?

A: Fill out the form in the Get Started section above.