Frequently Asked Questions


Questions and Answers relating to the loan modification process.


Can I Just Do This Myself?
Yes, but should you? It really depends on the results you want to achieve. How good would your hair look if you cut it yourself? How would you do if you represented yourself in court? If you are in trouble with your loan, you want the very best result and we can get that for you!
We have a staff of loan mitigators whose only job is to work with lenders and modify loans, every day, five days a week. By letting us do what we do best, you will get better results without the headaches and worry.
We know how to deal with lenders and have in-depth knowledge about how these institutions work. We can potentially save you thousands of dollars and free you from a considerable amount of stress.
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How Long Does This Take?
Once we get the paperwork, we begin right away. Currently, most lenders are very busy, so we are noticing about 30-120 days before a final settlement is reached.

What does this cost?
Our fees are very low, best results come from expert loan modification negotiators. You can review our fees here.  We're sure you'll discover that our fees are a bargain when compared to the cost of the alternatives.

Is there a payment program available?
Yes. Our fees can be on a payment schedule . We will figure an affordable and simple plan for your unique situation.

Will you stop late fees and interest from accruing on my account?
We cannot stop a lender from adding interest or late fees to a loan. However, your individual program will allow you to catch up on any late payments, and all interest and fees will be restructured into your new payment.

What effect does bankruptcy filing have?
Yes. We can review your situation and let you know your options, but must wait until your mortgage has been discharged or dismissed from your bankruptcy to negotiate with your lender.

If I file for bankruptcy, will it save my home?
It does not appear that way. The American Bar Association has reported that 96% of homeowners who declare bankruptcy end up losing their home to foreclosure. So, it seems that if you declare bankruptcy you will likely end up with BOTH a bankruptcy and a foreclosure. But, bankruptcy is an important tool in debt relief and if you believe you need this option, we advise you seek the council of a bankruptcy attorney.

Does it matter what my loan type is?
It does not matter what type of loan you have, we can help!  We work with all loan types and all lenders.

What if I can no longer afford my home?
If  you cannot afford your home there are several options that will minimize your credit damage and forgive the debt. They include returning the property to the lender or selling it to a third party.  A real estate agent and/or attorney may be required for these options.

How do I find out the progress of my modification?
You can call us at 714-512-6421  Monday thru Friday from 9 a.m. - 6 p.m. PDT to speak with a customer service representative and get an update on the progress of your program.  We stay in contact with you also with updates by email and of course you can send us an email anytime at info@homeloanmodificationinfo.us

What effect will the settlement be to the IRS?
Creditors are required to report canceled debts exceeding $600 to the IRS and you are supposed to report the same as income on your annual tax return. However, the IRS permits you to write off any “income” from canceled debts up to the amount by which you were “Insolvent” at the time. Therefore, unless you have a positive net worth, then you ordinarily will not be obligated to pay taxes on the forgiven amounts. Additionally, if you do not qualify as insolvent, non-principal amounts such as fees accumulated on the account may be deducted from the amount reported. Consult a tax professional for your specific situation. Refer to: www.IRS.gov Publication 908







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This website provides a free service to homeowners looking for loan modification help under government programs and is not a government website.
Free service for home loan modification is limited to information about home loan modification and free online analysis for home loan modification. Free online analysis for home mortgage loan modification to determine how much you could save.  Free information and service to qualify for loan modifications under the help for homeowners plan will help you learn about the loan modification programs available today. We are a fee based service but pre qualifying for loan modification is free.  It is a free loan modification analysis which can determine if  you can benefit with our loan modification service. Free loan modification services are available, read about Free loan modification services and programs here.  Guaranteed results with our loan modification service. When it comes to negotiating home mortgage rates for loan modifications we're experienced professionals . Due to the high volume of applications for home loan modification lenders are so busy that it can be almost impossible for a homeowner to get results on their own. Using a fee based service such as ours gives a tremendous benefit to homeowners seeking loan modifications. Many lenders have specialized representatives for loan modification companies such as ours.Enjoy lower monthly mortgage payments and lower home mortgage interest rate with loan modification.  Since we work with lenders on a regular basis, we are able to negotiate home mortgage loans to your best advantage. This means you have an increased chance to succeed with reducing home mortgage interest rate and payment by using our loan modification service.  Explore the possibilities of loan modification and see what the home loan modification program could do for you. Submit our online form for free analysis. It's just a few questions and only takes a minute. Be sure to provide correct information in your contact details and a representative will follow up on your mortgage loan modification analysis results.  When you have the results you can decide if it's worth it to you to proceed.  Experience tells us that you'll be happily surprised with the results from using our service for your loan modification. With the lower interest rate programs available  you can't wait another day. We do not give legal advice, contact an attorney if you  need legal assistance.




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- Lower monthly payments
- Fix your interest rate
- Prevent foreclosure
- Get you back on track
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Prior to the Obama Mortgage Plan, lending guidelines made it nearly impossible for struggling borrowers to access lower interest rates through refinancing and home mortgage loan modification was unheard of. The Obama Mortgage Plan has changed lender guidelines and provided incentives for lenders to refinance loans at low or no cost to borrowers. Homeowners  are encouraged to take advantage of the special refinance programs and home mortgage loan modification programs or other home loan modification plans offered under the  Obama Mortgage Plan.
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             Home Loan Modification Information and Home Loan Modification Resources and Services
                                                                        
                                                                               
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Answers to the most common questions about Home loan modification. We're sure you've got questions about loan modification.....if you're like most people, you've got LOTS of questions.  So, we've compiled a lengthy list of questions and answers as well as Resources and  information about Mortgage Help for Homeowners Under the  Obama  Mortgage Loan Modification Plan.   Learn About Loan Modification for Home loans.  Resources about home loan modification and information about the mortgage loan modification programs. Information about  how loan modification works. Find out how to qualify for loan modification. 
Get answers to your questions.
Information about loan modification programs...Help for homeowners and making homes affordable programs.
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