Is your home your primary residence?	Yes No
Is the amount you owe on your first mortgage equal to or less than $729,750?	Yes No
Are you having trouble paying your mortgage?	Yes No
Did you get your current mortgage before January 1, 2009?	Yes No
Is your payment on your first mortgage more than 31% of your current gross income?	Yes No

 

Hedding Law Group will provide a Free Consultation and we offer a 100% Money Back Guarantee if we cannot modify your loan. To get qualified, simply fill in your information in the form above. One of our experienced legal assistants will contact you within one hour to discuss your specific situation.

The Consultation is absolutely Free. If retained, we will negotiate with your lender and help get you up to date on your loan even if you are late on your payments!
Contact us Today - (800) 249-4529

 

What is a Loan Modification?
A Loan Modification is when a lender restructures the terms of your current mortgage because of an adjustment in your loan, hardship, bankruptcy or loss of equity. The purpose is to help make your loan more affordable. Usually it is in the form of a permanent rate reduction, fixing the rate for a certain amount of time, or many other mortgage solutions. What is a Short Sale? A Short Sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount. It does not extinguish the remaining balance unless settlement is clearly indicated on the acceptance of offer.

 

What is a Deed In Lieu Of Foreclosure?

A Deed in Lieu of Foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgage (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings.

What is a Forbearance?
A Forbearance is a special agreement between the lender and the borrower in order to delay a foreclosure. Loan borrowers sometimes have problems with their payments due to unexpected circumstances. This may cause the lender to start the foreclosure process. To avoid this situation, the lender and the borrower have the option to make an agreement called "forbearance".

California State Bar # 227160