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The first step is to determine if the mortgage contract is legal and valid. This is done by gathering all loan closing documents and reviewing all documents for specific laws that come into effect at a loan closing. This is a time consuming process and after audit is completed you will be given a copy to take to an attorney for further review.
Over the past decade it is been estimated that 80% of all loans issued contained federal violations and predatory lending practices.
Everyday you hear on the news that your lender will work with you to help you stay in your home. Right...the lender is a debt collector, they tell you each time you call, this call may be recorded and monitored and we are trying to collect on a debt. They are in business to make money not help you save money.
We are ready to fight back. We will give you leverage to fight back. Whether you are current or delinqent with your mortgage payments. Whether you bought your house three years ago or a year ago. Whether this is primary residence or investment property, Whether your payment is above or below 31% of your gross income.
Here is an interesting video on why you cant get your loan modification:
http://www.youtube.com/watch?v=ssl5yb7FewA
