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¿En qué consiste la modificación de préstamo?
- PORTADA
- NUESTRA EMPRESA
- PREGUNTAS FRECUENTES
- EVENTOS
- PRENSA
- LLAMENOS
Por medio de la modificación de préstamo, la institución a quién se le debe el dinero, cambia las condiciones en que usted se comprometió a pagar su préstamo, sin ser necesario refinanciarlo. Simplemente se establecen nuevos términos, los cuales pueden incluir la tasa de interés, el saldo que se adeuda, los cargos por retrasos en sus pagos y el plazo establecido para pagarlo.
¿Porqué acudir al Centro Legal de Modificaciones Hipotecarias? (CLMH). ¡Porque evitamos que pierda su casa!
Nos especializamos en lograr que conserve su casa a través de la modificación de su préstamo. No refinanciamos préstamos ni compramos casas. Nuestra meta es ayudarle a que usted y su familia conserven su residencia.
Así como un ajustador independiente lo representa a usted ante su compañía de seguros, nosotros lo representaremos ante el banco a quién le está pagando la hipoteca de su casa. |
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We offer Home Mortgage Equity Loan services. |
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LOAN MODIFICATION:
(This is typically the best option for our clients and is our primary focus.)
Our office will assist you in supplying the appropriate information to your lender to negotiate the appropriate measures to modify the term(s) of your mortgage and our negotiation staff will apply proven strategies in order to secure a fair and beneficial loan modification from your lender. A modification will result in one or more of the following:
- Lower interest rate.
- Principal balance reduction.
- Lower monthly payment.
- Loan term extended.
- ARM rate converted to fixed rate.
- Capitalization of delinquency.
REPAYMENT PLAN/FORBEARANCE:
If you have incurred a short term financial hardship and your loan is two or more months past due, your loss mitigation specialist will also consider submitting a request for a payment plan to your lender for approval. Only after reviewing your financial situation will this option be considered. All clients must be able to show that they can afford this plan in order to be eligible.
SHORT SALE:
If you have suffered a long term financial hardship and are unable to maintain even a modified loan or if you need to sell the property to avoid a default loss on the property, we can negotiate a short payoff on your behalf. A qualified buyer is required. There may be tax ramifications associated with any short payoff and you should consult your tax advisor for details. |
DEED-IN-LIEU OF FORECLOSURE:
(In general we consider this an option of last resort.)
If you have incurred a long term financial hardship and your house has been on the market (at fair market value) for at least 90 days, you may be eligible for a deed-in lieu of foreclosure. To be considered for this option, you must complete a financial package and provide a copy of your recent active listing agreement. Also, there cannot be any additional claims or liens (other the mortgage) against the property. If you are approved for a deed-in-lieu, you will be giving up all rights to the property and the property will be conveyed to your investor. In exchange for the deed-in-lieu, the lender may waiver all deficiency judgment rights. You may be asked to participate in a Short Sale program before a deed-in-lieu of foreclosure is accepted
PARTIAL CLAIM:
(FHA mortgages only) (Some Freddie Mac Investor loans)
The loss mitigation specialist may assist in requesting a partial claim if you qualify. You may be eligible if your loan is 120 to 365 days past due. A partial claim results in placing your past due payments into a subordinate mortgage (2nd mortgage) between you and the Secretary of Housing Urban Development. The partial claim note will require you to start making payments when you pay off the first mortgage. There is no interest. The partial claim can be for no more than 12 months of past due payments. |
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We offer real estate services. |
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