We are a team of seasoned professionals with over 15 years of experience in mortgage industry dealing with various stakeholders and achieved 95% success rate. Our holistic approach starts with assigning you a dedicated case officer who will look your case in depth through 3 crucial steps: 

  1. One on One case analysis. ( finding your needs)
  2. Create the best suited structure for maximum savings.
  3. Submission and getting approvals.

Guidance is provided at each step and you are fully involved so that there are no surprises for you.

You will be delighted to see such a smooth work flow at very less or in some cases at no cost involved. refinance mortgage rates debt consolidation

All we do is to help homeowners with their specific needs and provide them with support and services that are beneficial with the following programmes:

Flexi Modifications

The program is called Flex Modification because it offers lenders greater flexibility in evaluating borrowers compared with previous loan modification programs. With HAMP, lenders could adjust the terms of a qualified loan until a mortgage payment equaled 31% of the borrower's income. The Flex Modification program applies those same measures, but it allows lenders to also consider how many days delinquent borrowers are and the value of their home. It aims to reduce monthly mortgage payments by 20% for eligible borrowers.

Short Sale

Once a buyer agrees to make a short sale offer, the homeowner contacts his or her bank, and completes an application asking for short sale status on the home. There is no guarantee the bank will green light the application, but a short sale does eliminate many hassles associated with the mortgage loan, such as closing the books on the homeowner loan, and the bank or lender gets a portion of their loan repaid.

Standard Modification

Standard Modification which offers you an easier, flexible way to help borrowers qualify for a loan modification in a changing housing environment.

Foreclosure Defence

Facing the prospect of foreclosure can definitely be stressful. However, you may have a number of legal defenses available depending on your circumstances. These may vary depending on the state and also according to the individual claim involved.


Fixed & ARMs

A fixed-rate mortgage charges a set rate of interest that does not change throughout the life of the loan. Although the amount of principal and interest paid each month varies from payment to payment, the total payment remains the same, which makes budgeting easy for homeowners.ARMs have a fixed period of time during which the initial interest rate remains constant, after which the interest rate adjusts at a pre-arranged frequency. The fixed-rate period can vary significantly'anywhere from one month to 10 years; shorter adjustment periods generally carry lower initial interest rates. After the initial term, the loan resets, meaning there is a new interest rate based on current market rates. This is then the rate until the next reset, which may be the following year.

Home Equity Line of Credit Loans

After all the years of paying for your dream home, now it's time to let your home pay for your dreams. With a Home Equity Line of Credit you can get the money you need to take a vacation, consolidate your high interest credit cards, make home improvements, or pay for college tuition.

FHA Loans

An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

VA Loans

The Veterans Administration offers a home loan guaranty benefit and other housing-related programs to help qualified veterans or their eligible surviving spouses buy, build, repair, retain or adapt a home for personal occupancy. VA loans offer up to 100% financing on the value of a home. VA loan recipients do not have to be first-time home buyers. Also, they may reuse the benefits and assign the loan to another qualifying person.

No Credit/Debit Cards required

Note: We do not charge any fees upfront for our services; in many cases it is free however fees/cost occurred due to additional hours spent on a case to case basis will only be charged after having the written approval from the mortgage lender/servicing company/investors.

Disclaimer: We do not guarantee a modification and do not promise mortgage payment reduction through mortgage modification, it is a sole discretion of a mortgage company. We never suggest any home owner at any situation to miss a mortgage payment and send payment to us instead. We request to you please let us know if you are not satisfied with the services provided.