|
FREE CONFIDENTIAL CONSULTATION
What separates us from the competition?
1.
Our track record. Our experience has enabled us have
an extremely high success rate. We have in-house attorneys who
are leading experts in the field of real estate litigation and
negotiations. Our legal support staff are the best in the field
and come from all over the nation.
2.
Experience.
We have worked with most lenders before and have built
relationships which allow us to negotiate favorable results for
our clients. We know how to present your situation to them so
that you end up with the best solution. Our goal is to keep you
in your home.
3.
3-Day Rescission, at the point of signing. We protect
the client. We feel that the client should make decisions that
are sound and of value to them, so we offer 3 day rescission the
time starts once the client signs the contract. If during this
period they decide not to move forward with the modification,
then we will refund all fees paid, no questions asked!
Chavez and Associates
works with a team of negotiators, who are comprised of
attorneys, paralegals and real estate brokers specializing in
“NATIONWIDE” Loan Modifications and Renegotiations.
As you may have
already experienced, lenders can take advantage of a homeowner's
lack of knowledge and negotiating prowess. In fact, most
homeowners never even reach the real decision-makers.
Homeowners wind
up settling for much less, than they could have without our
help. Statistics indicate that without legal representation,
you will not get the same results!
Our current typical homeowner profile is:
-
Is in an Pay Option ARM/Negative
Amortization Loan
-
Is in ANY type of
Adjustable Rate Mortgage
-
Is an 80/20 loan with short term fixed
rate then becomes an adjustable rate, 2/28 or 3/27 programs
-
Is an interest only loan
-
Is upside down with their home value
-
Has suffered a loss of income,
due to illness/medical issues,
temporary lay-off, divorce or separation, incarceration, death
of a spouse, relative or co-borrower
If you can’t refinance and do not want to short
sale your home – then a Loan Modification is the program you’ve
been looking for.
A
loan modification is when the lender modifies your current
mortgage in order to work with you because of a hardship. The
purpose is to help make your loan more affordable. Usually it is
in the form of a rate reduction and/or fixing the rate for a
certain amount of time.
In the past this was only used when a borrower was delinquent
and suffered a hardship such as a job loss, divorce, illness
etc.
Now, borrowers can obtain mortgage help from
their lender for unaffordable rate adjustments on adjustable
rate mortgages.
The earlier you get started, the better your chances are of
negotiating a fixed rate and a payment that you can manage.
Our Mitigation Team will negotiate to modify
your loan, so you don't have to! Because we know and work with
lenders regularly, they are very receptive to us and our
clients. We know how to present your situation to them so that
you end up with the best solution.
We try to understand the needs of each client. We
understand time is of the essence and honest, straightforward
solutions are a must. We do not beat around the bush. We
believe in the "speak straight, talk straight" mentality. We are
solutions/results oriented and knowledgeable.
Contact us quickly for a free no obligation
consultation, we want to help stop foreclosure for you.
Se Habla
Español
LOAN MODIFICATION SERVICES
AVAILABLE NATIONWIDE
* Due to California State law, we may be unable to
assist homeowners in California that have received a "Notice of Default"
Please note that we do not
ask for social security numbers for your protection!
**WE DO NOT SELL YOUR INFORMATION**
***Your credit report will not be run for this inquiry*** |
If
you don't call -
Do
you want to save your home?