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loan modification: Do your homework when it comes to debt settlement - 12/11/08 12:32 PM
Those struggling under a mountain of debt may not be aware of the various options available to get out of that debt. Between declaring bankruptcy, going for credit counseling, or starting the debt settlement process, we think the most sound evidence for success points toward debt settlement.
We are also convinced that it is much easier on you, as well as guarantees you the most reduced amount of debt, to have a team of professionals experienced in loan modification to go through the process on your behalf. When trying to choose the right team to work for you, here are some … (0 comments)

loan modification: The four unequal paths back to financial solvency - 12/10/08 05:22 PM
It's not something any of us would ever wish for. In fact, for many of us, it's our biggest fear. But in hard economic times, it's all too common to see people face what they'd prayed they'd never have to face. Maybe you are one of the people facing the day when your finances have become too much to manage, and you're wondering if there's even a way out from underneath your mountain of debt.
Well, there is - but not all deal-with-debt plans were created equal. Here is an outline of the four main routes people take when they've hit … (0 comments)

loan modification: Relief for Struggling Homeowners: A New Take on Loan Modification - 09/02/08 01:39 PM
If you’re struggling with the monthly payments on your mortgage in these difficult times or know someone who is, read on!
January Financial has evaluated a few different services and has partnered with one that we feel very good about. It comes highly recommended from a long-time trusted advisor and offers services that we haven't seen out there so far.
What is loan modification?
Loan modification is when a lender agrees to change (modify) the terms on a mortgage. For example, let's say I'm currently paying 6.5% on a 5-year fixed loan but I can't afford those payments. The bank may … (5 comments)

loan modification: Loan modification vs. loss mitigation - 08/31/08 01:04 PM
Although our company has been handling loan modifications for the last few months for our client family through an attorney we've partnered with, I recently decided to switch to another attorney in large part based on the approach he takes. Instead of just doing loan modifications, they practice loss mitigation. Here's the difference:
Loan modification - when a lender agrees to change (modify) the terms on a mortgage. For example, let's say I'm currently paying 6.5% on a 5-year fixed loan but I can't afford those payments. The bank may agree to lower the rate to 3% for the next 5 … (0 comments)

loan modification: What you need to know before you start a loan modification - 07/24/08 01:31 PM
It seems like everybody and their mother is talking about loan modifications these days, and for good reason! With foreclosures in the US at a 20-year high, a lot of people are getting stuck with mortgages they can't pay and are looking for a way out.
Most lenders are seriously vamping up their loan modification processes in order to help out their borrowers (and not end up with a bunch of bad debt on their books). Loan modification can be a great way to reduce your interest rate, reduce your payment, or increase the term of your mortgage. All three options … (3 comments)

 

Carey Pott

Foothill Ranch, CA

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January Financial

Address: 28 Rue Fontaine, Foothill Ranch, CA, 92610

Office Phone: (949) 305-6355

Cell Phone: (714) 306-4969

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