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The Loan Modification Expert


Peter Collins is the nation's leading authority on foreclosure prevention strategies and loan modification solutions. His firm the Loan Modification Netwokr helps thousands on homeowners facing financial hardship. Call 1-877-840-6637 for a free, no obligation consultation with a housing counselor.

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Lower Your Monthly Mortgage Payments With Loan Modification

Mar. 12, 2009
Categorized in: Loan Modification

Are you having trouble paying your mortgage each month?

Are you already behind on your mortgage payments?

Have you recently experienced a hardship that’s about to make you unable to make your monthly payment?
 

If you answered yes to any of these questions you may be able to get a break on the amount of your monthly mortgage payment. A loan modification may be the solution to your financial problems. Here’s how to lower your house payment.
 

As you most certainly know, the economy is in a shambles at the moment. Everyone is riddled with uncertainty and doubt. The housing market is a major reason why the economy is in a recession and it’s in much worse shape than the overall economy. So there are millions of homeowners who are struggling to make their mortgage payment and many of those are in serious danger of losing their home to a foreclosure. To help save people from losing their home, and to help save the lenders money, homeowners and lenders can now adjust the monthly payment on a mortgage with a loan modification.
 

A loan modification will lower your house payment by changing one or more terms of the mortgage agreement. By changing the terms the monthly payment will become more affordable. This will allow you to make your mortgage payment each month and it will also allow the lender to still get their money.
 

There are certain conditions that have to be met in order to qualify for a loan modification. Part of the conditions are that you have to have a hardship that caused or is causing your inability to make your monthly payments and you have to show proof that you will be able to make your monthly house payment once the loan modification takes effect.
 

Some example of hardships include your loan adjusting to a higher rate so that you can’t make your payment, you or your spouse getting laid off or fired, you or your spouse becoming disabled, or a you and your spouse divorcing. These are just a few examples of possible hardships.
 

A loan modification may be the perfect way for you to lower your house payment. If you qualify for a loan modification then you and your lender can change one or more of the lending terms and that will lower the monthly mortgage payment. This will help keep you in your home and it will also allow the lender to still be paid back. Therefore, a loan modification is a win-win for everyone involved.
 

For more information call 800-437-2185 or CLICK HERE

User Comments

1. RE: Lower Your Monthly Mortgage Payments With Loan Modification

Written by: Rosie Jay
Mar. 13, 2009

I was in such distress until I called 1-21st Century Legal Services voted best loan modification company. When I fell behind several months on my mortgage when my husband died. I am on a fixed income and lost the benefits from my husband. I called 21st Century Legal Services in Rancho Cucamonga California U.S.A., to get help from their loan modification program. 21st Century Legal Services immediately started working on my file when it was received. They received my file on June 2, 08. They did not receive any money from me till the end of July 08. My payments went from $1950 to $1040.77. I was very happy with this mortgage loan modification agreement. I can utilize my savings on other things I need since I am limited on my income. I think anyone in danger of losing their home should call 21st Century Legal Services, or check out their website, I will even give you the number and web address. They can help you believe me, if they could help me they can help anyone. Call them at 1-888-483-1748 or on the web at WWW.21stcenturyremod.com

Good Luck,
-Rosie Jay

2. RE: Lower Your Monthly Mortgage Payments With Loan Modification

Written by: Sally Rose
Mar. 13, 2009

Recently, I decided I needed to get help from a loan modification program. I was down 4 months on my mortgage due to the loss of my income. After 23 years on my job, the company shut down leaving thousands of us out of work. I went to 21st Century Legal Services voted #1 in best loan modification company's located in Rancho Cucamonga California U.S.A., not knowing what to do. They went over my financial situation and decided to do a Wells Fargo loan modification. They helped me with my loan modification letter, and agreed on a great loan modification agreement. 21st Century Legal Services a law office warned me of the many scam rip-off telemarketers pretending to be providing loan modification services. I thank 21st Century Legal Services so much for saving my home. I hope my story encourages anyone in danger of losing their home to call 21st Century Legal Services or check their website out. Their phone number is 1-888-483-1748 and their website is www.21stcenturyremod.com check out their website and watch their commercial.

Good Luck To You All!!
-Sally Rose

3. RE: Lower Your Monthly Mortgage Payments With Loan Modification

Written by: Beth B.
Mar. 13, 2009

I agree with both of you I called 21st Century Legal Services also and they are the greatest to work with.

I’m here to share my story of how 21st Century Legal Services helped me save my home and hopefully it will help someone.

In my case mortgage loan modification was the only option,  when my husband lost his job and we fell 5 months behind on our mortgage payment. I was so positive that we had lost our home that i began to pack our belongings. Then a very good friend of mine at my work told me about this company that help her save her home. The company is called 21st Century Legal Services located in Rancho Cucamonga California U.S.A., I told my husband that night when I got home. So the next morning we called 21st century Legal Services and much to my shock they saved our home. They modified our countrywide loan and made our monthly payment to a very affordable rate that I could afford. I highly recommend 21st Century Legal Services to anyone in danger of losing their home. 21st Century Legal Services saved my home I know they can save yours. 1-21st Century Legal Services voted best loan modification company.

-Good Luck
Beth B.

4. RE: Lower Your Monthly Mortgage Payments With Loan Modification

Written by: Garth
Mar. 28, 2009

I strongly urge anyone considering this company to read all the reviews on them. They ask for 3 post dated checks averaging aroun 1000 each up front. They send a notary (even though there is no documents to notarize) and claim that notary is their representative. Not legal. Notaries are , by law disinterested 3rd parties. Already checks to notaries are bouncing from 21st century (www,notaryrotary.com).

 The notary with the initial application documents are instructed to have the homeowner fill in their name and dress information and sign the documents. Leave the rest blank. It is stressed that the homeowner is NOT to have a copy of what they signed. The home owner is left with a cover letter and some copied general news reports about the stimulus bill.

Look carefully at the pro posts here. They all read like PR articles. the kind business's pay to have put in newspapers. They are all well written. Very professional style when compared to the style of those unhappy with them.

They are not registered  with the California DRE as required and refuse to give licensing information of their attorney

5. RE: Lower Your Monthly Mortgage Payments With Loan Modification

Written by: sharon eaton
Apr. 8, 2009

i recieved a call from 21st century mortage, saying they could reduce my mortage, i would need more information on this company, before I could trust them, about my mortage, to many different phone numbers for me, and no one answers the phone, at the number they give you, so if anyone reads this do anyone no anything about this company. Are they a trust worthy company or are they scaming people, if they are they need to be turn over to the FBI ON THEY CAN STOP THEM FROM TAKING PEOPLES HARD EARN MONEY.

THANK YOU

WRITTEN SHARON E

APRIL 8,2009

 

 

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