The Loan Modification Practice

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How Do I Get A Home Loan Mortgage Modification?   By reaching an agreement with your lender. It will be explain in more detail on this site.  A list of the Loss Mitigation for lender can be found below.
 
The Loan Modification Practice helps home owners if they are delinquent, upside down or in default to modify their mortgage loan with their lender/bank by giving them free information.
You pay nothing.
 
I am a Florida State License Mortgage Broker. If you need a loan for a new home or refinance, I can help you. Bookmark this site it.

We do not take any money for your mortgage modification information. Our info is to assist you in getting your loan modify. A loan modification is not a lottery. You have to get incontact with your lender. So, be very careful of anyone taking your money before any work is done on your loan mod.
What is a Home Loan Mortgage Modification? A mortage loan modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, It is also know as restructuring the loan. So that the results are a payment the mortgagor can afford.
 
We reccommend that you contact your lender. They have the time and are willing to work with you. The bank /lender wants to come to the table and agree to a mortgage loan modification that is fair to the lender and home owner. Banks don't want to foreclose on your home.
 
My practice is in mortgage loans. Getting you a loan to buy a home or refinance.
 

Even if you tried before for a mortgage loan modification and were told no by the lender, keep trying. There might be a change in the law that could benfit you. It is a process and the lender will take the home owner through before the bank agrees to a loan modification. Modifying your mortgage loan is your goal. 

Things for the  homeowner to consider:

   1. Is it Your Desire to Keep the House
   2. Are You Experiencing a Financial Hardship?
   3. Do You Have Income/Employment and are able to continue making lower payments?

If the answer is yes, then you are a good candidate for a loan modification. Know see if you qualify.

Do I qualify for a Home Affordable Mortgage Modification? Answer the 4 question below.
 

    1. Is the home your primary residence? 
    2. Is the amount you owe on your first mortgage equal to or less than $729,750?
    3. Are you having trouble paying your mortgage? For examlpe, your mortgage had a significant increase in payment OR a reduction in your income since you got your current loan OR you suffered a hardship that has increased your expenses (like medical bills)?
    4. Did you get your current mortgage before January 1, 2009?

A financial hardship can also include an interest rate increase in an ARM loan. If you have the above elements as part of your situation, Act Now - Get Started!

 

Mortgage

 
Loan modification agreements  come in different types. A loan modification can also be done so that they have a longer amortization term (e.g. 40 year instead of 30 year) which can cause the payments to decrease. Principal lowering are rare, but have happen where the bank actually writes down some of the principal amount. The key is to get you a mortgage interest rate for a specified period of time or the end of the mortgage loan. The mortgage modification is to help the homeowner to continue to make payments and stay in the home. 

Most of the home loans today that need a loan modification are conforming mortgage loans made by big banks (HSBC, CitiMortgage, Countrywide, Household, IndyMac, JPMorgan, Wells Fargo, Washington Mutual and Bank of America) that are based on Fannie Mae and Freddie Mac guidelines.

 

If you are behind on your mortgage, or about to fall behind and need relief  you can benefit from a loan modification. Don't waste time and get the help you need today. Call your lender!!

 

Here you will get the truth. And the truth is that a home loan mortgage modification is not 100% guarantee that you will get what you want. So, becareful of anyone telling you that you will and that includes attorneys.

Thank you for taking the time to visit the Loan Modification Practice website.

 

 

Loan Modification Practice
14113 Bradbury Rd
Orlando, Florida 32828
Contact us
 

Get free information and screened for a mortgage loan before it is to late. You have nothing to lose if you try but if you do nothing you'll lose your American dream along with your credit.

 

 

* First name (required):

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Phone number:
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Homeowners face the real threat of foreclosure, for many the need of assistance during the process of modifying a loan is essential. You must make an attempt to make the lender sit up and listen and provide the best possible solution for you before the home is lost to foreclosure.
 
If you want to stay in your home and know you can't afford it, but because or your mortgage you are about to loose both home and good credit, let us help you refinance. 

I want to refinance my mortgage. If you are looking to refinance we can find you a loan. Interest rates are very low.

 

Let me inform you that you can do a loan mortgage modification on your own. However, for faster results and to get your lender to come to the table, Have all you documentation when you call your lender. Be honest.

 
Testimonials:
I was very much taken by Gabriel's honesty. He explained everything to me in detail. I did a refinance with him and there were no surprises.
 
Heidi
Miami, FL
 
I am a lawyer and Gabe work on my loan. Great person to do business with and also has become a great friend.
 
Peter
Miami Beach, FL
 
Thanks for saving me from that adjustable rate. You will alway have my business.
 
C. LLabona
Kendale Lakes, FL
 
 
Lender/Servicer Loss Mitigation Phone Numbers & Contact Information
Last updated 1/04/2007 with Countrwide and Option One

ABM AMRO Mortgage (800) 783-8900
Web: https://www.mortgage.com/C3/application.bus
Accredited Home Lenders(877) 683-4466
AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
American Home Mortgage Corp.(877) 304-3100*
Ameriquest Mortgage (Debt collection -- see AMC Mortgage Services) (800) 211-6926
Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com
Web: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx

Avelo Mortgage LLC (866) 992-8356*
Bank of America(800) 846-2222
BB&T Mortgage (800) 827-3722*
AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444
Beneficial (800) 333-5848
Central Pacific Bank (800) 342-8422*
Charter One (800) 234-6002
Chase (800) 548-7912
Loss Mitigation (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number: (866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon
For SUBPRIME ONLY (877) 838-1882 ext 52195.
The Number you will be directed to after you give your loan number:
(866) 665-7629 (business hours are 11AM-8PM M-TH, 8AM-12PM F)
--- Subprime Letter of Authorizations Fax: 1-877-287-7559.
---Subprime Workout Packages Fax: 1-888-219-7813.
For Prime Loans: 1800-446-8939
Prime Letter of Authorization & w/o packages Fax: 614-422-7259
Chase Home Finance (800) 848-9136 (customer service)
(858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*
Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)
Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)
Citi Financial & Citi Mortgage Special Homeowner Outreach Phone Number
Phone Number:
1-866-255-3901
Here is some contact info I have for Countrywide. Keep in mind these numbers and address may only be good if you live in CA.
Mailing address: (Send all your certified complaint letters, etc. here.)
Contrywide Mortgage
400 Countrywide Way SV-HRD
Simi Valley, CA 93065
Toll free direct number to Workout Dept. in Lancaster, CA:
866-806-8692 (extension 8692 if your negotiator is M. A. Hernandez)
Direct number to Workout Dept. in Lancaster, CA:
661-951-5100
(not toll free but gets you right in)
Ditech (800) 852-0656 (800) 449-8582
Downey Financial Corp.(800) 824-6902, ext. 6696
Deutsche Bank National Call Number on Mortgage Statement
EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp
EverBank (800) 669-7724 ext. 4730
Equity One (Debt collection) (866) 361-3460
First Horizon Home Loans (800) 489-2966*
Fifth Third Bank (800) 375-1745 Option 3
First Merit Bank (888) 728-9931
Flagstar Bank (800) 968-7700, ext. 9780
Fremont Investment & Loan (866) 484-0291
GMAC Mortgage (800) 850-4622
GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*
Green Tree (877) 816-9125
Homecomings Financial (800) 850-4622*
HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471
Amy Fleitas
Executive Offices (Loan Servicing)
1-319-236-4766 (in her letter she states this is her direct number) she also provides
1-800-206-2901 ext. 2364766 (they must have alot of ext.)
Loss Mitigation area
Lauren Koos 1-214-874-6138
another address:
PO Box 205
Waterloo, IA 50704-0205
also:
3451 Hammond Avenue
Waterloo, IA 50704
Household Finance (A HSBC Co.) (800) 333-5848
Household Mortgage (800) 333-4489
HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web:http://us.hsbc.com/personal/mortgage/existing/difficulties.asp
Huntington National Bank (800) 323-4695
Indymac Bank (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp
James B. Nutter & Company (800) 315-7334
Key Bank (800) 422-2442
LaSalle National Bank (800) 783-8900
Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp
Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).
Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp
Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com
Web: http://www.mlnusa.com/customers/info_credithelp.asp
Mortgage Electronic Registration Systems (888) 679-6377
National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner's Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp
Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*
NationStar Mortgage (888) 850-9398* Press 0 for operator
New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)
Web: https://myloan.newcentury.com/webapps/servicing/myloans/index.do
NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523
Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm
Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936
For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386
Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp
Option One Mortgage
Home Retention Contact Center
6501 Irvine Center Drive
Mail Stop BAT
Irvine, CA 92618
US Phone number 1-800-704-0800 or 800-505-3706

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518
Web:https://www.phhmortgage.com/sso/mq/login.jsp?TYPE=33554433&REALMOID=06-9153316d-cf4d-4425-a5d7-c0b20a7b098d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGE NTNAME=phhmort-stb&TARGET=$SM$https%3a%2f%2fwww%2ephhmortgage%2ec om%2fhome%2flandscape%3fjpid%3dLogIn%26loginmode%3 dregistered&SMSESSION=NO
ResMae Mortgage Corp.(877) 473-7623, ext. 5944
Saxon (800) 665-7367
Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)
Web: http://www.spservicing.com/services/customer/loanresolution.htm
SkyBank (800) 290-3359
Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#
Third Federal Savings (888) 844-7333
US Bank (800) 365-7900
Wachovia Bank of Delaware (866) 642-8608
Fax too 210-509-1144 --- Attn Loan Counseling
Call back 24 hrs to make sure they have received the request call back # 888 345 1352 x 32648
Process takes 15-20 days. Also they advise to call after the new year because they say there will be new programs available to people to modify, etc.
Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677
Waterfirld Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am – 10 pm EST Monday – Thursday)
(7 am – 9 pm EST Fridays)
(8 am – 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com
Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst
Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/
Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html
Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx

*No direct line to the loss mitigation or loan modification department. But I am working on it
Loan Modification & Loan Workout Applications
Chase Loan Modification Application
Option One Loan Modification Application
HSBC Online Loan Modification Application

Private Contacts
Wendy Knafelc at Washington Mutual Loss Mitigation: (904) 732-8425 -- wendy.knafelc@wamv.net
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