There are many errors and violations made by lenders with regard to mortgage documents. In fact, it is extremely common to find violations that lenders have made in connection with TILA, RESPA and HOEPA laws. Most loans have some violations.  If you are behind in your mortgage payments, you may be able to use your lender’s practices of committing violations in mortgage laws as leverage to resolve your delinquent mortgage situation and obtain a loan modification.

A loan modification law firm such as the American Residential Law Group is experienced in forensic loan audits.  Hiring an experienced mortgage modification firm such as the American Residential Law Group is smart because they can help you to determine if there are violations of Federal laws by your mortgage company by reviewing your loan documents.  If the forensic audit reveals that your lender has violated federal mortgage laws, then your loan modification attorney can use this as leverage in negotiating a mortgage modification on your behalf.    If you are interested in a mortgage modification, and you don’t know where to turn, a mortgage modification law firm such as the American Residential Law Group is a good place to start.

Benefit of Using a Mortgage Modification Attorney

Mortgage modification attorneys are helping thousands of homeowners in similar situations as yourself obtain mortgage modifications so that they can save their homes from foreclosure and negotiate more favorable mortgage terms and interest rates. Lenders face fines and penalties for violating mortgage laws so they would much rather work with you to find a resolution that works for everyone. The loan modification can reduce your monthly payment to an affordable one and also extend your loan term. The lender may also agree to forbearance.  You have options and choices and a loan modification attorney can advise you of the best ones for your financial situation.

Don’t Waste Time

Since time is of the essence, you should not waste a moment of it. You may be able to keep your home and not make any mortgage payments while your loan modification attorney is negotiating a resolution of your mortgage with your lender. Under the government’s Home Affordable Modification Program (HAMP), you may be eligible for a mortgage modification on our primary residence.  An experienced mortgage modification law firm has established relationships with various lenders’ loss mitigation departments and knows the right person to speak to, saving you time and money.   The longer you wait and do nothing, the more chance you have of losing your home to foreclosure.    By hiring a loan modification attorney, you increase your odds of keeping your home and obtaining a mortgage modification.

You have options to save your home, and a loan modification attorney is the only person who can legally represent you. Why take a change in losing your home, when you can keep it with a mortgage modification?

American Residential Law Group

The American Residential Law Group is a south florida based law firm providing client focused interdisciplinary services that result in hands on legal representation of our florida clients. The attorneys and staff for American Residential Law Group have been advocating for everyday people for 12 years in practice areas that encompass the full range of consumer legal services. Our attorneys are resourced and innovative in their respective areas of practice.