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Loan Modification Basics and FAQ’S

 
A Loan Modification is a negotiated reduction in a homeowner's monthly payment as granted by the lender. It can be negotiated by a professional who presents the facts and figures to the appropriate decision maker. The request needs to be supported by current and accurate documentation justifying why a loan mod is in the best interest of the lender and the homeowner. 

We will Negotiate your Original Loan's Interest Rate to a Rate that will Lower your Payments substantially!!!! In most cases we can cut your Mortgage Payment by up to a couple hundred dollars. If this could change your life call now while the Banks still have the BailOut Money to Lend!!!! This is your chance to cut your rate and start paying more to Principal !!!! Get your EQUITY back. We offer a 50% MONEY BACK GAURANTEE IF NOTHING IS RESOLVED. 

A loan mod is a great option for those who want to keep their property but not their payment. If you are still employed and can prove your income your chances for an equitable resolution regarding a loan modification are high. If you are Upside Down on your Home and feel like there’s nowhere to turn or having trouble making your mortgage payments and behind. Are you worried and terrified losing your home and your credit? You may own an investment you property you can’t afford anymore. Do you have an adjustable rate mortgage? 

If you said yes to any of these questions we can help!

Every home owner in America right now who wants to keep your home should try and modify their loan. Premonition is committed to helping families in facilitating and expediting the loan modification process. We are able to supersede the loss mitigation's dept. and communicate directly with your lenders attorney's. We are able to enforce the Housing Bill 3221 and reduce your monthly payments, reduce your interest, and in some cases even reduce your principle. We are able to get the most money from your lender by utilizing full Forensic and Appraisal Audits. We are dedicated to the US constitutional rights of the borrowers. We are able to completely write off your 2nd mortgage, or negotiate with cents on the dollar. We guarantee that if we cannot get you a modification you will receive a complete 50% refund. Our services are guaranteed This is the only real deal and only product out there which can potentially offer true hope of "principal Reduction" 1 in 3 people are upside down on their mortgages. 

Our 15 years experience in Law and contract negotiations, as well as some 30 years in mortgage, banking, and lending, make us unique in our capacity to dramatically manage your mortgage debt in this challenging environment. There are solutions, even if you are facing foreclosure, are in the process of foreclosure. We can even modify your loan if you already have an auction sale date. If you are behind on payments, or barely breaking even to make them, we can help. Save your home and make your mortgage affordable again. We offer a emergency stop foreclosure service. Emergency stop foreclosure is totally separate from our loan modification, full forensic and appraisal audit services.   

Loan Modification FAQ’S 

What is a Loan Modification?
A Loan Modification is a negotiated reduction in a homeowner's monthly payment as granted by the lender. It can be negotiated by a professional who presents the facts and figures to the appropriate decision maker. The request needs to be supported by current and accurate documentation justifying why a loan mod is in the best interest of the lender and the homeowner.

Can't I Just do it Myself?
In some instances, yes, if you can get direct access to the decision maker in the loan modification process and present a complete and fully supported package. Unfortunately, with the current influx of loan defaults, lenders are not typically willing to go back and forth with a homeowner, instructing them on what to do next and waiting for them to do it. On the other hand, when a Lender receives a complete seamless loan modification package from a professional, chances are the request is going to get more attention. This is where a professional can give you an advantage. When working with us, loan modification specialist, the lender does not need to use its own personnel and resources to lay the groundwork for the loan modification. 

How Do I Choose a Loan Modification Specialist?
Choose a company with an excellent track record, one that is headed by an experienced attorney. Laws regarding loan modifications are changing as the need for them increases. We specialize in loan modifications, foreclosure prevention. Otherwise you may be paying to give on the job training to people who do not know what they are doing.

Is There a Cost to Getting a Loan Modification?
Yes, there is a cost for professional help. It takes time and manpower to negotiate a loan modification. Premonition an ethical company will pre-qualify you to determine if you are likely to get a loan modification. If you are not likely to qualify, you will be told so. The fee you pay will be a flat rate so you know additional fees will not be tacked on later. Laws regarding collection of money are in the process of changing. This is one reason why you want to deal with a company headed by a knowledgeable attorney.

Should I Contact my Lender First and Ask for a Modification?
Yes, by all means try to get the loan modification on your own before contacting a specialist. But, don't be deterred if you run into a brick wall or are told there is no modification available to you. At that point, you may want to contact a specialist and go through the pre-qualification process to get another opinion. The reason for this is that when you call the lender, you are likely to speak to a low-paid, inexperienced gatekeeper who has no part in the decision-making process. Those people field hundreds of calls per day and are not involved in whether a loan modification might be available to you.

What do I have to lose?
At this point, if you are in arrears on your mortgage, you stand to lose your home. But as far as getting information about a loan modification, you have nothing to lose. Call US.. let the person who answers know you are requesting more information about a loan modification. You will be asked a few basic questions and then will be put in touch with a specialist who will go over the whole program, how much it costs and how it will work for you.

Today, many people are finding they cannot afford the monthly payments on their home. Until recently, the alternatives were to apply for a short sale, go to foreclosure, or give deed in lieu of foreclosure. With the high rate of foreclosures, many lenders are now willing to consider a loan modification which lowers monthly payments. We can advocate for your individual case.

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Premonition Investments LLC. Can Help…..Contact us today – 602-326-9341 SUBMIT YOUR PROPERTY NOW