Arizona Loan Modification Expert

Do you still have Income, but just need help with your current mortgage(s).

If you are one of the many stuck in adjustable rate mortgages, neg-am loans, or simply just a rate too high and are upside down in value then a Loan Modification will probably work for you.

Please Note - We Do Not Offer Arizona Loan Modifications.  We don't believe it is fair that all these companies "Claim" to offer you Real Help through Attorneys and charge you $3000+ to negotiate for you.

Here are the problems with these "SO CALLED" loan modification companies popping up all over the valley.

- They claim to be attorney backed
- They claim to be partnered with attorneys
* This issue with this claim is that according to the Arizona State Bar - This is Not Legal and is Unethical for any Attorney to partner with a Non Attorney and negotiate a Loan Modification. It is also wrong for the attorney to turn around and pay that company for referring business to them.
- So we Advise you to ask yourself.. if they are really "Partnered or Backed by an attorney" - then the attorney must not be Ethical in their own business practices!

- They Claim 100% Approval
* Again, no matter how good anyone is - there is always someone or some bank that will reject a file.

- Money Back Guarantee
* Have you read the newspaper and seen how many home owners pay money and never hear back from the company - or they never existed??  - This is Usually just a ploy to get your money in..

- They charge up front fees (by this I mean they charge you before the loan modification is completed and finalized)
* The Law is that there are very few companies out there that have an approved Fee Agreement with the Required Association Boards to charge a Fee Up Front.  If you are speaking to someone who Says they are backed by an Attorney, A Real Estate Agent, or Someone who claimed to be Partnered with an attorney - You can check with The State Banking Agency and Department of Real Estate.  Most likely they do not have an approved Upfront Fee Agreement.

These are just a few of the Facts!

We Recommend Two Services:

1. We always suggest any home owner to talk directly to an attorney. 

We Suggest Anyone have a PPL Membership.  Not only for Real Estate Reasons - But Every Day Legal Reasons that you need advise and assistance with.  For As little as $26.95 a Month you and your family can have peace of mind and ID Theft Protection.  See the Full Details Here  - The Top Local Arizona Law Firm gives a Special Member only discount on their Loan Modification Program.

2. The least expensive option - We suggest you to negotiate directly with your lender for a loan modifications.  Now speaking to your lender can take time and be tough, but they are getting better.  And with the Right Tools - You can make it easier on yourself!
Check out this state of the Art Program being offered by Many Agents & Lenders to home owners.