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Providence Loan Modification Process Attorney

When you find yourself behind on your mortgage payments or facing foreclosure due to unforeseen circumstances such as loss of a job, unexpected medical bills or a divorce, you may be able to apply for a loan modification to adjust your payments to a range where you can afford to continue paying each month. When a homeowner gets behind on their payments, they may feel anxious and helpless to do anything about it. However, with the help of an experienced Massachusetts and Rhode Island loan modification attorney from BK Law Group PC, our staff can start you on the right path towards getting your loan modified.

In order to get a loan modification approved, a thorough and complete examination of all of your income sources and debts must be done. By doing so, your attorney will be able to evaluate what strategy will be best in negotiating your loan modification. A detailed write up of what your hardship is that requires your loan to be modified must also be prepared. Once the complete package is prepared, it is presented to the Loss Mitigation department at your lender’s office. Because there are thousands of people trying to do the same thing, getting the attention you need in order to get your application approved is best left to a professional loan modification lawyer. The process must be followed closely by someone knowledgeable in the steps the process will be going through, in order to ensure your home is not inadvertently foreclosed on and sold without your being aware of it. This situation occurs more than most people realize. When you do not have an effective attorney working for you, this can easily occur.

Based on the evaluation done by our office regarding your financial situation, we will pursue one or more of the following methods to help reduce your monthly payment:

  • Lowering the interest rate;
  • Get your interest rate reduced
  • Get your interest rate as a fixed rate rather than adjustable
  • Lower your principal amount
  • Extend the term of the loan so as to reduce the payment
  • Reduce the amount of late fees or penalties already incurred
  • Negotiate a monthly payment based on household income

Retain an Aggressive Attleboro and Providence Loan Modification Lawyer

Because of the demand for loan modification currently, you will need an aggressive attorney to push through to the correct departments despite the complexity. Without a strong legal representative to negotiate for you, you stand to have your loan modification process extend for months while a possible foreclosure still looms the longer it is delayed. Trust your loan modification to BK Law Group PC, who is committed to working hard for you throughout the time it takes to obtain an approval on your behalf. She is known throughout the communities of Bristol, Norfolk, Worcester, Middlesex, Plymouth and Barnstable Counties in Massachusetts and throughout Rhode Island as “My Home Saviour” due to her dedication and caring for her clients.

To find out the benefits of a Loan Modification, call a Massachusetts and Rhode Island Loan Modification Attorney from BK Law Group PC to discuss your home loan situation.