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Southern Oregon Loan Modification or Short Sale?
Southern Oregon Loan Modification or Short Sale?
Concerned, stressed, at wits end.  Those are the phone calls I get daily now.  Sound familiar?  Relax. Take a deep breath,   Its going to be all right. 
If you own a home or investment property in Southern Oregon and any of its local communities like Ashland,  Talent, Phoenix, Medford, Eagle Point, and Grants Pass and are experiencing the emotions of being barely able to keep up on your mortgage payments, or have fallen behind, there is hope.
A loan modification in Southern Oregon is one of the first things I recommend if you want to stay in your house and just need a more reasonable payment to give you some breathing room.  One of the first things I recommend if this fits your situation is to call your lender immediately, especially the 1st mortgage if you have a 1st and a 2nd mortgage, but I recommend calling both lenders.  The Oregon Attorney General has stated that you can do everything and anything some "loan modification" companies charge you $2,000 or more to try and do.  Follow up with your lenders, follow up, and follow up some more.  Expect that they will ask you to gather ... more

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