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Our website consists of Google Ads with attorneys who specialize in mortgage, real estate and bankruptcy law. We leave no loan modification, bankruptcy or litigation stone unturned when it comes to our valued homeowner clients.

Why you may need an attorney?

While a loan modification can be accomplished without counsel from an attorney, borrowers should keep in mind that the loan they now have was done without an attorney looking out for them. A loan modification can be considered a “new” mortgage, because there will be a new contract signed. This new contract will have new terms, and new payments. These new terms and new payments should be completely understood by the borrower.

When homeowners seek a loan modification, many do not realize that they will have collateral issues, such as bankruptcy and possibly costly deficiency judgments.  Lenders also often require homeowners to sign a release of any and all legal claims based on the origination and servicing of the loan as a condition of the loan modification. 

It makes great sense to have the loan reviewed to make sure there are not relevant claims being waived.  For this reason, we audit every loan file at the beginning of every loan modification.

Another point for having a law firm involved is the fact that a lawyer may have contacts within the legal department that provide a more expedient process.  Not always, but its at least another avenue to pursue.

Our suggestion to homeowners is to either do it yourself, or find an attorney that specializes in this area.  Sorry if this steps on anyone’s toes, but i think it just makes good sense.