Loan Modification = Lower Mortgage Payments

Our professional negotiators will assist you to save or sell your home, no matter what situation you are in. The recent downturn in real estate market and the following credit crunch put tremendous burden on both homeowners and lending institutions. According to the Mortgage Banker's Association, more than two million Americans missed at least one home mortgage payment last year. A report by the Joint Economic Committee of Congress, estimates that the average cost of a foreclosure, to the homeowner, lender, local government, and neighbors (whose homes decline in value), is $78,000. And officials at HSBC North America say their average loss on sale at foreclosure is 20 percent to 25 percent of the loan’s value (The Buffalo News).

Many banks and other lenders are more than willing to work with you. They don't want foreclosure any more than you do.