Name

JP Ramirez

Company

Homestart Inc

E-mail

Contact Homestart Inc

Website

http://www.yourhomestart.com

Office Phone

(858) 581-1800

Cell Phone

(858) 525-3245

Fax

786

Address

2665 Ariane Drive , Suite 201, San Diego , CA, 92117

Description

loan modification,mortgage modification,mortgage loan modification,bbb loan modification,san diego loan modification,san diego mortgage modification, foreclosure services bbb,dre license,save homes

Why choose HOMEstart? Prevent foreclosure or lower monthly mortgage payments with a company you can trust. HOMEstart is the ONLY business in California with an A+ rating from the BBB in both the LOAN MODIFICATION and REAL ESTATE LOAN MODIFICATION categories. #1 Loan Modification Misconception Lenders would rather foreclose than modify your loan. Absolutely not. Lenders prefer to modify your loan(s) because foreclosure is a costly and time-consuming process. It is expensive for lenders to put your house on the market and re-sell it. In addition, the declining home prices and competitive real estate market make it difficult to re-sell your home after foreclosure. Lenders want to create any solution where they can receive some payment. HOMEstart loan modification specialists will negotiate with your Lender new loan terms which will allow you to make affordable and consistent payments, resulting in an agreement to lower mortgage payments and interest rates. Many people qualify and consultation is free, take advantage of HOMEstart's trusted loan modification services and give us a call today, 858.581.1800. Q: What is a loan modification? A: A Loan Modification is a permanent change in one or more of the terms of your loan. The purpose of a loan modification is to allow the borrower to meet the new loan modification terms, allowing them to prevent foreclosure. A loan modification is not a refinance; it is the restructuring of the loan terms. In other words, a loan modification is a contractual agreement between the Lender and the Borrower to provide long term relief from unaffordable loan terms. Loan modifications can lower your interest rate(s), monthly mortgage payment(s) and the principle balance (loan amount). Remember the cost of foreclosure to the Lender is higher than new loan modification terms; therefore, lenders are open to loan modifications to prevent foreclosure. A loan modification will cost less than a refinance and it's available to more people, even those that owe more than the value of their home, behind on mortgage payments and/or have poor credit, which become roadblocks for a refinance. Q: How do I get started? A: Our process begins by filling out a simple application and submitting it to HOMEstart Intake Processing. Once the application arrives, our processing team will review it and once pre-qualified, HOMEstart will send you a full loan modification packet that includes all the documents we need to complete the process. HOMEstart's Customer Service department will keep you up to date on your case on a weekly basis, while also being available to you 7 days a week. Come visit our main office in San Diego or feel free to call us anytime and we will be happy to assist you while completing your loan modification packet. Once we have received all the documentation, HOMEstart will submit it to your Lender and begin the Negotiation process. At that time you can sit back and wait for HOMEstart to contact you with your new payment plan and loan terms. Q: What guarantee or refunds can I expect? A: Our reputation in the loan modification industry far supersedes any intent we have to initiate a loan modification that does not meet our pre-qualification requirements. HOMEstart does not want to accept anyone's hard-earned money, especially during such a rough economic climate, in order to make a quick dollar. However, many unlicensed loan modification companies are precisely looking to take advantage of unsuspecting people. As described by our BBB listing, HOMEstart does not have a single complaint during the entire length of time it has been in business. One of the major DRE licensing terms is that all your funds sit in a Trust Account until an offer is made to you by your Lender. Even though many resources and hours are invested to initiate the loan modification process, HOMEstart offers the maximum refund available as described by the DRE terms. Our untarnished track record speaks for itself; choose HOMEstart to modify your mortgage loan today.

About HOMEstart HOMEstart is licensed by the California Department of Real Estate (DRE) to provide turnkey, loan modification services. Loan modification is a multi-step process involving Intake Processing, Underwriting, Bank Submission, Negotiations, Approvals and Contract Review. We are the only DRE Licensed, A+ BBB rated business in California because no other company can offer you A-to-Z service. Customers must be careful working with non-accredited and unlicensed loan modification companies because they are not providing legitimate services. HOMEstart has established many close relationships with large banks & lenders and has experienced attorneys working on your mortgage or loan modification. The trusted services we provide have helped many families save their home, hundreds a month on mortgage payments and thousands off their Principle Balance. HOMEstart is not a high-volume, mortgage & loan modification company and you will never receive a customer number. We keep our A+ BBB rating by providing personal and dependable service to our customers. We provide free consultation to analyze your current situation so that together we can provide a workable solution that is acceptable to both you and your Lender. HOMEstart History San Diego, CA Mortgage & Loan Modification Specialists HOMEstart is a division of Property Brokerage and Loan, Inc. and has corporate headquarters in San Diego, CA. Property Brokerage and Loans was founded in April 2003 and has spent the last six years in the loan modification of residential and commercial properties. HOMEstart became a division of Property Brokerage and Loans in August 2008 to focus entirely on mortgage loan modifications. HOMEstart processes loan modifications throughout the country on a wholesale level acting as agents for mortgage companies, real estate companies and law firms. This represents the majority of HOMEstart mortgage loan modifications. HOMEstart, because of its recognized prominence, performs individual mortgage loan modifications for retail clients throughout the nation. HOMEstart Credentials The Better Business Bureau (BBB) awarded HOMEstart as an A+ rated mortgage loan modification company. HOMEstart is the only loan modification company in California awarded this honor for providing servicing both residential and commercial properties. The California Department of Real Estate (DRE), established in by California in 1913, sets forth policies regarding the ability of its members to request an Advance Fee Agreement for the purpose of performing home loan modifications. The DRE requires an extensive reveiw of any loan modification firm who desires this "Letter of Certification". Securing such a letter is difficult and reflects the professionalism of HOMEstart. HOMEstart processes a solid and impeccable A+ BBB rated reputation. In early August 2009, the California DRE reported that there were approximately 495,000 registered Real Estate & Mortgage Brokers in California, but less than 300 were licensed to perform mortgage loan modifications. HOMEstart is one of the few licensed loan modification companies in California. Give our tenure and attention to customer service, HOMEstart has been successful with close to 90% of submitted loan modification applications. Unlike other firms, HOMEstart will work on "difficult" applications, which require more time and resources. Our performance of successful loan modifications is due to a standard of hard work and the persistent professionalism of our underwriting team, which is arguably the strongest in California.

Loan Modification Articles, Mortgage News & Foreclosure Prevention Information Listed below are current (2009) articles from many of your trusted sources. Familiarize yourself with this information before making a decision to modify your loan(s) with any unaccredited or unlicensed loan modification business. Be sure the loan modification (also mortgage modification) specialist you choose has a current Department of Real Estate (DRE) license and is accredited by the Better Business Bureau (BBB). Call HOMEstart today at 858.581.1800 for any additional information. Consumer Alert - Advance Fees and Loan Modification Services Author: California Department of Real Estate If you are behind in your mortgage payments...read more. A Note to Homeowners Author: Better Business Bureau Facing foreclosure? Scammers are targeting people...read more. California Foreclosure Prevention Act Author: California Department of Real Estate On February 20, 2009, Governor Schwarzenegger...read more. Obama's Loan Modification Plan: 7 Things You Need to Know Author: US News & World Report At the heart of the President Barack Obama's ambitious plan to rescue...read more. Charges Filed Against Loan Modification Companies Author: San Diego 10 News The California Attorney General and the Federal Trade Commission...read more. Obama Launches Mortgage Rescue Plan Author: CNN Special Report The Obama administration's loan modification program is finally underway...read more. Wells Fargo Accelerates Use of Home Affordable Modifications Author: Wells Fargo News Release Wells Fargo said today that through the first seven months of this year it modified...read more. Making Home Affordable Author: Bank of America News Release The federal government's Making Home Affordable Program focuses on reducing...read more. Avoid Being the Victim of a Loan Modification Author: Better Business Bureau Tips for Homeowners – Avoid being a victim of a loan modification...read more. Lawmakers Give OK to Citi's Loan Modification Plan Author: Fox News Report A trio of Democratic senators say they have reached a deal with Citigroup Inc. on a plan...read more. Foreclosure Prevention Plan Expanded to 2nd Mortgages Author: The Washington Post The Obama administration unveiled an expansion of its $75 billion foreclosure prevention plan...read more. New Mortgage Plan: Who Qualifies and How It Works Author: CNBC News Report For homeowners looking to make sense of the Obama administration's new mortgage rescue plan...read more. Federal and State Agencies Crack Down on Mortgage Modification and Foreclosure Rescue Scams Author: Federal Trade Commission The Federal Trade Commission today announced a crackdown on fraud...read more. Mortgage Modification Efforts So Far: 5 Things You Need to Know Author: US News & World Report The lynchpin of President Barack Obama's plan to rescue troubled home owners...read more. Will Loan Modifications Lift the Housing Market? Author: Time Magazine News Report The Obama administration wants to spend up to $100 billion on efforts to help homeowners...read more. Citigroup, JPMorgan Chase Among 8 Lenders Agreeing to Stop Foreclosures Author: Chicago Tribune News Citigroup, JPMorgan Chase, Bank of America, Morgan Stanley and Wells Fargo agreed to...read more. JPMorgan Halts Foreclosures, to Redo Mortgages Author: CNBC News Report JPMorgan Chase the nation's largest bank and one of its biggest mortgage lenders...read more. Banks Temporarily Stop Foreclosures Author: ABC News Report Bank of America, JPMorgan Chase and Citigroup have announced...read more. Homeowners Await Obama's Plan To Stop Foreclosures Author: CBS News Report President Barack Obama unveiled a $75-billion plan Wednesday to help...read more. Loan Modification Program for Distressed Indymac Mortgage Loans Author: Federal Deposit Insurance Corporation IndyMac Federal Bank, FSB (“Indymac Federal”) will implement a new program...read more.