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loan modification: Attorney backed Loan mods - 02/02/09 07:02 PM
Loan Modification-Loss Mitigation Services-Attorney Backed
 
I offer loan modification and loss mitigation services.  All services are negotiated by my attorney's office.  
 
Loan Modification, we renegotiate the terms of your current mortgage.  We are getting interest rates as low as 3.5%.  We can extend the terms to 40 or sometimes even 50 years.  Principal loan balance is also lowered in some cases.  We take a financial snapshot of you and fix the deficit in your budget.  
 
 
Loss Mitigation, if a loan modification is not possible for you there are still options available to you.   Short sale, deed in … (3 comments)

loan modification: My Fico is way down from mortgage late; can I still qualify for a loan mod? - 01/28/09 07:18 PM
My Fico is way down from mortgage late; can I still qualify for a loan mod?
 
YES!!!  Doing a loan mod has nothing to do with your fico score.  In fact the fact that you are late frequently or are behind on payments is mandatory.  It is true, you can use the fact that you are struggling to pay your mortgage to get you an interest rate as low as 3.5%.  No credit check needed.  Banks are trying to prevent foreclosures.  Now is the time to see if you can take advantage of these programs.  Call now to find out … (0 comments)

loan modification: If I file for bankruptcy how does that effect my eligibility for a mortgage modification? - 01/28/09 07:03 PM
If I file for bankruptcy how does that effect my eligibility for a mortgage modification?
 
If a bankruptcy is filed and you include your mortgage in the BK foreclosure is stopped but you are then not eligible for a mortgage modification.  Secured loans like mortgages are not eliminated by a BK.   After the bankruptcy is finalized or the mortgage is removed from the BK filing a mortgage mod can be done at that time. 
 
If you or anyone you know is in trouble with their mortgage,  please give me the opportunity to show them their options.
 
Orville McCallister
… (1 comments)

loan modification: Why would my lender be willing to lower my interest rate? - 01/14/09 07:12 PM
Lenders are just that,  they are in the business of lending money not owning real estate.   The bank does not want your home back.   They would rather you keep it and keep paying them a steady stream of money.  Even if that stream of money is reduced it is better than it being cut off.  Taking back a home through foreclosure is very expensive for the bank.  They have to pay attorneys and all kinds of different fees in order to complete the process of taking back a home through foreclosure.   I know I would rather have less money than no … (0 comments)

loan modification: Do you have past clients in trouble with their mortgage? - 01/14/09 06:49 PM
I used to wish I could help my past clients solve their mortgage woe's.  Now I can and I can also help your clients.   Nobody wants to see a client lose their home to foreclosure.   I know that I get emotionally involved with the well being of my clients by the end of the transaction.   I can help them by modifying the terms of their mortgage.  I know lots of agents including myself who sold property using a loan that was fixed for 3 or 5 years.  Well 3-5 years goes by quick and here we are in 2009 with adjustments … (0 comments)

loan modification: No equity,,,No problem - 01/14/09 02:15 PM
Are you stuck in an adjustable rate mortgage?  Have you been denied a refi into a fixed rate because you have no equity?  Have no fear loan modification is here.  All kidding aside I really can fix this type of situation.  When you negotiate a loan modification the fact that you are upside down in your loan actually works to your advantage.  Banks are even forgiving part of the negative equity or the payments that have been missed or both.   I know that this seems to good to be true.  If you have any questions about loan modification please don't hesitate … (0 comments)

 

Orville Ivor McCallister

San Diego, CA

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Keller Williams Realty La Mesa

Cell Phone: (619) 609-6129

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