 Get a payment you can afford. Connect with an Arizona Loan Modification Specialist today. Start by filling out the form to the right. |
About our Arizona Loan Modification Services
Are You Behind On Your Mortgage?
If you can’t pay then Modify Today!
Real Estate Loss Mitigation Solutions can Help
Our unique Loan Modification program allows homeowners to stay in their homes!
Our program has…
If you are behind on your mortgage or having problems making your monthly mortgage payments, the perfect solution is a loan modification. Real Estate Loss Mitigation Solutions can help you keep your home. Our exclusive Loan Modification Arizona program allows you to stay in your home. Our Loan Mod program offers no upfront costs. We can help you if you are behind or current on your mortgage and we assist homeowners nationally or locally with our Arizona Loan Modification Services.
Answer these preliminary questions and see if our program will help you today.
- Have you tried to refinance your home but have been denied because lenders now have strict and impossible guidelines?
- Are you in a position where you owe more on your home than what it is worth? Are you behind on your home mortgage payments?
- Have you had a financial hardship because of: divorce, loss of income, health problems, increased expenses, job relocation or military services? Were you a victim of a predatory lender that put you in a bad loan with the promise to refinance you at a later time?
- Has your loan adjusted to make your payment unaffordable? Has your lender offered you a solution that increased payment?
- Do you feel abandoned by your lender?
- Have you tried to modify your loan with one of our competitors but could not afford their UP FRONT FEES to join their program?
- Don’t stress,… you have options to keep your home. Most homeowners will qualify under our program.
The main goals of our Loan Modification Arizona Program are to:
- Obtain a postponement of your foreclosure date while negotiating a Arizona loan modification with your lender.
- Reduce your interest rate which lowers your monthly payment.
- Spread out the payments so your new payment is one that your family can afford.
If your loan qualifies, you may be eligible for a Forensic Loan Audit that may force your lender to cooperate with us. Apply to have your principle reduced if you owe more than your home is worth.
Walk Away Program Options help you transition to more affordable housing. If you cannot qualify for our Arizona Loan Modification Program or do not want the home, these are your options:
- Pre-Foreclosure Sale – if there are equity in your home you will receive an offer in 48 hours.
- Short Sales - Stay in your home until it sells without making a payment until it sells. (We have clients that have stayed in the property for over 1 year without making a payment).
- Sell to an Investor - Our investors may rent back with option to buy when your credit has been restored.
- Home Locator - Find a more affordable home with lease/purchase options.
- Foreclosure - this is the last option that you want. Going in foreclosure will hurt your credit. It will take 10 years for your credit to totally reestablish.
- Deed-In-Lieu of Foreclosure - same as a Foreclosure.
- Cash for Keys - This option is for the homeowners that don’t qualify for our Arizona Loan Modification and their lender does not agree to a sale of the property prior to the auction date. We still work to try and negotiate the lender to give money for a clean home.
Please note that Real Estate Loss Mitigation Solutions (RELMS) is not a debt collector. Under our Loan Modification Arizona program we will not be involved in the collection of any of the past due amounts under your lenders original loan terms.
To be effective with our Loan Modification Program, Real Estate Loss Mitigation Solutions must collect information from you to analyze your current financial position. If you have any questions please call and discuss your situation with one of our loan modification specialists at 480-214-2345.
Frequently asked questions about our Arizona Loan Modification Program
What is the Arizona Loan Modification Program? The purpose of an loan modification program is to change the original loan between a homeowner and their lender. This restructure can be based on long term or short term needs depending on the homeowners needs.
Do I have to pay any Upfront Fees to enroll in the Program? For homeowners that are behind on their mortgage there are NO UPFRONT FEES to enroll in the Arizona Loan Modification Program. For homeowners that are not late on their mortgage some fees may apply.
How do I know if I qualify for the Loan Modification Program? The main criteria the lender looks for is the ability the homeowner has to make the new payment under the Arizona Loan Modification Program. Typically, the lender will usually require a hardship letter explain your situation, proof of income, and other financial documents. For more information call an experienced loan modification specialist at 480-214-2345.
Will a Loan Modification stop the foreclosure? Yes, once a modification is agreed upon your lender and the trustee will stop the foreclosure.
What is an acceptable Hardship? Hardships will vary upon homeowners since each circumstance is different. With that being said lenders will consider:
- Divorce/separation
- Death
- Illness
- Loss of job/income
- Job relocation
- Military service
- Change in current loan (i.e. adjustable rate mortgages, negative amortization loans, etc.)
- Any other situation that made the homeowner unable to pay their mortgage
We assist Homeowners nationally and locally with our loan modification Arizona services.
