The Feldman Law Center is one of the premier loan modification companies in California, and our skilled loan modification professionals are trained to successfully and carefully guide homeowners through the loan modification process. The Feldman Law Center can negotiate with your current lender if you are behind on your mortgage and need help. A loan modification is arguably the most effective tool you can use if you are behind on your mortgage and in the midst of a financial hardship. At the Feldman Law Center, we do our best to guide you through the process of restructuring your mortgage through a California loan modification, FDIC loan modification or other available program. Once you’ve done a loan modification, the mortgage loan is restructured so that it is affordable and can fit comfortably into your budget. After you’ve gone through the loan modification process, you’ll have an affordable monthly payment instead of an overwhelming monthly drain on your already tight finances. Loan Modifications A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated and results in a payment the mortgagor can afford. Our loan modification professionals are heavily trained to both guide you through the loan modification process and to know about all the programs available to you. The FDIC and the state of California (as well as other government agencies) have programs that you may be eligible for and which may keep you in your home. Our main goal in assisting you with your California loan modification or FDIC loan modification is to keep you in your home and to avoid foreclosure. Loan Modification Attorney We employ full time loan modification attorneys on site who will assist you in handling paperwork, negotiating with lenders whenever possible and understanding all the legal traps that would otherwise cause you trouble. While many other companies are simply an outsourcing program that can’t actually assist you, we guide you through the loan modification from start to finish. Loan Modification Agreements One of the ways our loan modification professionals and loan modification attorneys can assist you is in navigating loan modification agreements. These agreements come in various forms, but quite often they involve the reduction of the mortgage’s interest rate for a specific period of time. This is done so that the homeowner can continue to make payments and stay in the home. Loan modifications can also be designed to increase the amortization term (say 40 years instead of 30) which will also cause the payment to decrease. Principal loan reductions are rare, but they do happen where the bank actually writes down the principal amount. Mortgage Lenders Lenders would rather modify a loan than have a foreclosure. Our loan modification professionals understand this fact and use that to your advantage. We regularly work with banks and other lenders to write down, modify and otherwise renegotiate loans. Our years of experience in the loan modification industry are unparalleled, and our track record of success is unmatched. We have helped countless homeowners stay in their homes through California loan modifications, FDIC loan modifications and other types of loan modifications.

The Feldman Law Center is one of California’s top loan modification companies, providing excellent service to our clients and is completely focused on keeping everyone one of our clients in their homes. Our loan modification experts work tirelessly to provide every homeowner we work with the information, guidance and support they need to modify their mortgages and keep the homes they’ve worked to buy. About Loan Modifications If you’re unfamiliar with what a loan modification is, a loan modification is quite possibly the most effective tool you can utilize if you are behind on your mortgage, and are in the midst of a financial hardship, in order to save your home from interesting foreclosure. A loan modification is literally is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower (i.e mortgagor and mortgagee). In general, any loan can be modified. The Feldman Law Center knows every law in California (and the country) that may be able to keep you in your home. Lenders would rather renegotiate the terms of your loan, and possibly even negotiate a principle reduction, than let the house go into foreclosure. With years of experience negotiating with lenders, as well as years of experience keeping people in their homes, the Feldman Law Center is one of the most experienced loan modification firms in all of California. Benefits There are many benefits of home loan modifications: Reduction in interest rate Change from a floating to a fixed rate Change in how fix rate is computed Reduction in principal Reduction in late fees or other penalties Lengthening of the loan term Capping the monthly payment to a percentage of household income Overall, the goal is to lower your payments so that you can afford your monthly payments so that you can afford your payments and afford to keep your home. California and Federal Loan Modifications There are various laws throughout California and the country that dictate how loans can be modified. For example, last year in California, the state of California modified how loan modifications can be negotiated. Our loan modification attorneys stay on top of legislation in order to provide the best possible guidance and counseling to homeowners. We understand that home loan modifications are a scary proposition, especially in the current economic climate. The Feldman Law Center’s loan modification attorneys and loan modification professionals are experts in their field and can guide any family through the process. We are also knowledgeable regarding FDIC loan modifications and other federal programs. We can alert you to the best possible solution for your particular situation. Foreclosures Having your home foreclosed on has ripple effects throughout your life and family. Obviously the biggest ramification is you lose your home. However, other effects include: your kids have to change schools; you lose the friends in your neighborhood; your credit score takes a major hit; you have pay countless dollars on moving all your possessions and moving into a new home; and much more. Home Loan Modifications Might Be the Answer A majority of the home loans needing modification today are conforming mortgage loans made by big banks such as HSBC, CitiMortgage, Countrywide, Household, IndyMac, JPMorgan, Wells Fargo, Washington Mutual and Bank of America and based on Fannie Mae and Freddie Mac guidelines. If you are behind on your mortgage and do not see any relief in your near term future, you can benefit from a loan modification. Act now, time is not on your side. Visit us at http://www.feldmanlawcenter.com or call 800-588-0425. Legal Disclaimer The information contained herein is provided for general information and advertising purposes only and is not intended to convey a legal option nor legal advice for any particular case or situation. Nothing in this article shall create an attorney-client relationship. Nothing sent to this law office via e-mail shall constitute an attorney-client relationship. Nothing contained in this article shall be construed to be a guarantee or prediction of result. Prior results are provided for general information purposes only and do not guaranty, warranty or predict a similar outcome with respect to any future matter. Results achieved depend on individual circumstances and not everyone will qualify or be successful in restructuring their mortgage loan.

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