Mortgage Loss Prevention and Resolution Services
How to keep your home with more manageable payments
Due to the current economic downturn, the collapse of the lending industry and declining home values, millions of homeowners are stuck in
expensive mortgages with no way to refinance. Adjustable rate mortgages that suddenly "balloon" are crippling many homeowners. Many
families are facing foreclosure, bankruptcy or both. Our goal is to stop that from ever happening by renegotiating your current mortgage loan
and structuring that loan to better suit your financial needs and present situation.
Loan Modification Services
In today's difficult economy there are several things working against homeowners and homeownership in general. Millions of Americans are faced
with problems with their current mortgage and are not able to qualify for a refinanceor a mortgage for a new property. We at Credit Services
Group℠ help bridge the gap between a homeowner's current situation and the stricter standards through our professional loan modification and
resolution services.
The Perfect Storm
Due to the "Mortgage Meltdown" many lenders have been forced to go out of business. The mortgage companies who remain in business have
realized the mistakes of the prior "easy money" lending practices and have significantly tightened their qualifying standards. In other words,
qualifying for a mortgage loan is a lot more difficult now in 2009 than it was two or three years ago. To make matters even worse, housing
prices have declined significantly from record higher values. So even if your credit is good, you may not have enough equity in your home in
order to qualify for a mortgage.
#1 Suffer the interest rate increase and pay the higher payment.
This is an option if you can afford it. Of course, that is only a temporary solution until the next rate increase if you have an Adjustable Rate
Mortgage. When the next rate increase is pending, then you are right back where you are today wondering how you are going to refinance
your way out of a mortgage with terrible terms.
#2 Attempt to sell the home - good luck in today's market.
Even if you are fortunate enough to find a buyer, you are competing with a number of foreclosure properties in your area and sellers desperate
enough to take large losses on their properties just to get out out from under them. Buying high and selling low has never been a wise
investment strategy.
#3 Foreclosure.
Not a smart option and something that you would ever want to experience since it will severely damage your credit rating and raise the cost of
borrowing money. If you cannot qualify for a refinance, afford the adjusted payment or cannot sell your home, you may need to consider hiring
a loss mitigation firm like Credit Services Group℠
There is one more option to consider: A Loan Modification / Workout Plan!
This is where the current lender is willing to adjust the terms of your mortgage note, or contract to make it more affordable, and thereby more
attractive to the homeowner. By keeping the borrowers in the home and avoiding foreclosure, the bank avoids costly foreclosure, attorney and
legal fees. This avoids putting one more home in their portfolio. Banks are not in the real estate business, they are in the banking business!
Lenders do not want to own your home, or try to sell it. They will only stand to lose more money in the long term. It's in the best interest of
the lender to negotiate with the homeowner and avoid foreclosure.
Loan Modification and Loss Mitigation Services
If you are one of the over 2 million Americans that are trapped in an Adjustable Rate Mortgage, but cannot refinance due to low credit scores,
decreasing home values or financial hardship, we may be able to help you.
We can effectively freeze interest rates, stop foreclosures and help you reduce your principle loan balance through loan modification / loan
mitigation services.
Credit Services Group℠ will work with our current lender to convince them that helping you will be a good alternative to eventual foreclosure.
Assisting you with loan modification and payment reductions is our top priority. Our goal is to negotiate a reasonable payment arrangement
with your lender bringing you current in your mortgage loan and saving your home without the expense of a costly refinance.
* 100% guaranteed results!
* The process is completed in under 90 days
* Freeze and Lower your interest rate!
* Reduce your principal balance
* 24/7/365 online access to check your status
* Debt settlement services
* Personal Client Representative to assist you throughout the process
Your credit and financial solution services don't just stop there!
Forensic Audits
Our audits are completed by a former chief compliance officer from a major U.S. Lender. All negotiations are completed under supervision by
an attorney.
"Going into a loan modification without a forensic audit is like bringing a knife to a gunfight. You're favored to lose" - Industry Expert
There is loan modification... and then there is forensic loan modification!
83% of loan documents have been found to have legal violation written into them.
We don't perform loan modifications on the defense. We play a strong offense!
Do you need leverage for a loan modification? Of course you do! We can show you how.
Our experienced negotiators came from the loss mitigation departments from the top lenders in the country and all negotiations are performed
under the direction of an attorney and are backed by a 100% money back guarantee!
Our trained specialists are here to assist you every step of the way. We handle all the negotiations, work through the necessary paperwork and
fight to get you the most affordable resolution. Our goal is to help you not only keep your home but to make the terms of your current mortgage
more affordable.
Call Credit Services Group℠ for an informative look into forensic audits on mortgage documents.