- Name
- Carolina Chavez
- Company
- Loan Safe Solutions
- E-mail
- Contact Loan Safe Solutions
- Office Phone
- (951) 531-0148 x 236
- Cell Phone
- (858) 412-9631
- Description
- I specialize in Loan Modifications. I work for the #1 Loan Modification Company in the nation. We have a 97% success rate with 100% resolution rate. Our processing center is the biggest and best.
About Us:
I have 28 years in the Real Estate Mortgage Industry. I am a part time professor at University & College level. I goals are to keep the American Dream of homeownership alive. Call me to see how your nightmare of the loan you are in can turn into restful nights and peaceful days.
Areas of Expertise
Promote Safe Loan Modification Standards.....
We believe that the loan modification process is absolutely beneficial to both the consumer and lender when it is done for long term affordability.
Preserve the American Dream.....
Homeownership has and always will be part of the American Dream. We strive to fix loans and keep people in their homes. An outcome that is beneficial to all parties.
Maintain Communication......
Communication is the #1 most critical activity during the loan modification and foreclosure process. Loan Safe Solutions bridges the divide between borrowers and their lender by acting as an intermediary and advocate of mitigating loss for all parties involved.
Minimize Loss to All Parties.....
No one wins in foreclosure. Now one wins by playing hard ball. In order to effectively create solutions, all parties need to come to the table with the common goal of mediating damage in the most proficient and cost effective way possible. Whether that be a loan modification, short sale or deed in lieu of foreclosure, it is possible that everyone can come out of the process a winner.
Real Solutions.....
Loan Safe Solutions is dedicated to providing real solutions in today's volatile mortgage and housing markets. United we stand, divided we fall. So let's unite as people, as a country and as humanitarians to work with each other during this difficult time.
Carolina Chavez
National Resource Consultant
LoanSafeSolutions.org
(858)412-9631
Call me today to process your loan modifications the legal way!!
Testimonials
Dear Moe,
I have been fighting to keep my home since 2003. To me it's not Real Estate. It's where my 10 year old son has grown up, where birthdays and Holidays have been so special, and where family and friends in town always feel safe and warm and loved. I was blessed to grow up in a place like that on 2.5 acres in Riverside California, and I've done my best to duplicate that atmosphere on my acre here near Wellington Florida.
When I read your words and quotes on your website, I felt like I had been surviving alone in the desert and someone had just given me a 5 gallon container of purified, ice cold water. Thank you for being here. And thank you to everyone who has contributed to the site. It is truly one of the most wonderful contributions to the world imaginable. And that is in no way an overstatement. Please accept my heartfelt Thank You Moe.
Warmest and Kindest Regards,
Damon H
Refinance Success - One More Home Saved (
1 2 ) aimster
We were very lucky. I am relieved this is all over. But, I've learned so much these last five months. On Saturday, my husband and I volunteered at the local homeless shelter. We know how fortunate we are to still be in our home. It's our time to ‘give back' to those who are not as fortunate. We are both committed to doing this monthly, to remind us our journey and to be thankful for being given a second chance.
To all of you still fighting your battle...don't give up. Stay in contact with your lender until you're even driving yourself crazy. Ask questions, explore options, contact elected officials. Don't be afraid to tell your story to anyone who will listen. I will continue to pray for all of you, that all of you will find a permanent solution as well.
Thank you to Moe, Poppy, Cat and Andrew for all of your advice, support and encouragement. I could not have done it without you!!!! 
I did it!!! Modification approved!!!!
Hello everyone!!
Thanks again for all the congrats! Well I got my docs today! As promised my loan is at frozen at 5.7% for 5 years!!! 
The modification did not cost anything and we do not have to make a March payment.
In the cover letter, it said to return the application for auto withdrawal of payment, but package did not include app. so I called our negotiator Christy Mcgowan (very nice girl) and she said that it would not be necessary, it was an oversight on her that she didn't omit that part. She also told me that it was not possible to modify our second rate (9.875%) That is fine by me, because it is fixed and I was really only worried about the first! It would have just been the cherry on top! I still can't believe that this is a done deal! I am so happy and relieved!!!!
Here are the biggest misconceptions that kept me from even trying the modification route until I found Loansafe.
1. You have to be late in order to qualify for a modification
2. You must have a serious financial hardship
3. It takes 3-6 months
4. You can't do this yourself!
5. It's a pain in the a$$!!!!
Reality
1. I was never late
2. good steady income, but no LTV
3. 5 weeks
4. You CAN do this yourself!!!! (with the help of y'all)
5. It's a pain in the a$$!!! No gettin around that one! I lived at the Kinko's fax machine!
All in all my case was "easy". My only real problem was LTV. I feel for so many of you out there that are in much more dire situations than my family and I hope that each and every one of you can find the best solution for you. Don't give up! To quote the famous Poppy "call call call fax fax fax" I am positive that the turning point in my case was the QWR. It definately put some fire under their bums!
Moe: Of course, that is the least that I can do! 
Thank you,
Shannon
Success with CitiMortgage HELOC
Well, today I received a call from Citi Mortgage that our mod application had been approved. Our first payment is due in April. We can skip March's payment.
The whole process took about three weeks. We will be getting our loan mod papers via UPS this Friday!
Three weeks ago, I sent in my paperwork, financial information, hardship letter etc. to the mod department.
I called to follow up shortly after and inquire as to whether or not they had received my documents. I was told that they had and that if I didn't hear back by March 1st to give them a call.
I decided to email three people with Citi Mortgage. The CEO and two others from the office of homeownership preservation. I emailed them last Thursday and explained my situation to them. I got an email from one of them the next day letting me know that someone would contact me by end of business on Monday (two days ago). Sure enough, someone did. This person took financial information from me over the phone and asked me to fax him a hardship letter, my W2's and a pay stub.
The next day, Tuesday, the closer sent off our package to the underwriter. Today, Wednesday, we received a call from the closer letting us know that our application was approved and we were all set.
Our interest rate went from 13.6 to 2% for the next two years. After the two years are up, they will review our info again and determine whether or not another modification is needed. Our monthly payment went down by over 500.00 dollars!
I'm still stunned.
A few more details. We were never ever late on this loan. Nor have we ever been over 30 days late on our first mortgage.
Now, we are working on modifying our first which is set to reset on December 2008.
So, there you have it. it can be done!
Chase Success III
I started the loan modification process on 11/20/07 by sending in my financial info, pay stubs and bank statements. I followed up every every week and did not really get the best feedback.
In late December, a great loss mitigation rep told me that I "fell through thr cracks" and gave me another fax number to send my pay stubs and bank statements. She told me that she would help me put a rush on my application. She also told me that after receipt of the documents, they would put the foreclosure on "hold". I think "hold" means moving the sale 90 or more days.
Well since I have followed this GREAT website, I have been calling every day since about 1/3/2008. On 1/10/2008, they told me that my complete package was received and accepted on 1/7/2008 (official start date I guess)
Since then I have been calling every day to follow my file. The loss mit dept at Chase has been very good. Everyone is polite and patient.
Today I called and they told me that I am approved! and will be receiving my loan docs in the next few days! They did not tell me the interest rate because it was not available (not sure if true) but they did tell me the down payment ($8152) by 2/14. I asked about the step program(thanks to the website explaining that) and they said that I was recommended for that (whatever that means)
So needless to say I am happy and anxious to receive my docs. My loan mod process so far has been about 30 days since the official (1/7/08) date.
Junior Member
Member