WE OFFER NO FEE PRE-MODIFICATION ADVICE AND GUIDELINES

MODIFICATION DENIED & DONT KNOW WHY??
MISINFORMED??

MISDIRECTED??

DISCONNECTED??

Speak To A Live Counselor 24/7


Free Consultation Call Now and Get Pre-Approved in 10 Minutes!

602-694-5649

2500 S. Power Rd #124 Bldg 10
Mesa, Az 85209
or
10049 E. Dynamite Blvd. # D140
Scottsdale, Az 85262

Submit My Home For Modification FIRST NAME: LAST NAME: EMAIL ADDRESS:

  

 

                                     Welcome to REFI LAW GROUP.com! Lets modify your home loan together!

Refi Law Group.com is dedicated to giving homeowners enough insight and input on their situation so they can make a well informed decision on how to manage their situation and get modified. We will consult with you and provide options to that will help you while your in pre-foreclosure, so you don't lose your home. You will receive information on how to get the education to stop a foreclosure arizona, negotiate the terms of you loan with your lender, information on how to avoid foreclosure scams. We are pre-foreclosure experts located locally here in Scottsdale, Arizona. We have been consulting homeowners in pre-foreclosure for over a decade. Our team of stop foreclosure consultants realize that the only way to protect you and your family from having a foreclosure on your record is knowing your options and having your best interest at hand. You need to the know policy and regulations of Arizona foreclosure process, how much time you have left before the auction, the repayment programs available to you, and an experienced team of professionals which will provide you with peace of mind so you get control of your situation. OUR REAL ESTATE MORTGAGE CONSULTING TEAM OF PRE-FORECLOSURE EXPERTS INCLUDES A REAL ESTATE BROKERAGE, MORTGAGE COMPANY, WHOLESALE NETWORK, SHORT SALE DIVISION, LOAN MODIFICATION DEPARTMENT, HOME LOAN SOLUTION AND REO ESCROW AGENT AND A GROUP OF FOUR ARIZONA PRE-FORECLOSURE MITIGATORS AS WELL AS A REAL ESTATE ATTORNEY ON STAFF. Inquiring and hiring a pre-foreclosure team, whose sole purpose is to negotiate on your behalf and present your case of hardship, so you will have the best chance of success.

THE CHOICE IS YOURS, IT'S YOUR HOME AND YOUR LIVELIHOOD. MODIFY YOUR HOME LOAN TODAY!

It is very simple, if you have the time and the knowledge base then you as a homeowner have to make a decision. You can try and handle the reversal of your pre-foreclosure status yourself or you can hire a team of credible experts to negotiate for you. Do you what you feel is in your best interest!

We have a short sale and loan modification software program which will walk homeowners through the entire process. This program will lead you everything from understanding your stop foreclosure options, to packaging, processing, and negotiating your short sale or loan modification. Do not try and negotiate your own Arizona Loan
Modification without consulting with your team first! Your lending institution customer service department is not there to give you a crash course in Pre-Foreclosure or Short Sale 101. You may disclose vital pieces of information that your lender may use against you in the approval process.

If you decide that you need our assistance and give us the authorization to negotiate on your behalf, we will contact the bank immediately to expedite the process. We have established relationships with many lenders thought the country and have a decade of loss mitigation experience. We can aggressively present a case of hardship to your lending institution on your behalf. If you have at least a 60%-70% LTV we can pay cash for your house and keep in your home, if you choose to sell your home to avoid foreclosure in Arizona.

AS SEEN ON MSN:
http://articles.moneycentral.msn.com/Banking/YourCreditRating/why-lenders-might-forgive-your-debt.aspx

If you "DO IT YOURSELF " Here are a few items you will need:

 Understanding The In's And Out's Of Loan Modifications.

• All The Forms Pre-Packaged.
• How To Package And Set Up Your Loan Modification.
• Negotiation Techniques When Speaking To Your Lending Mitigator.
• Examples Of Other Completed Loan Modification Packages.
• What Do You Do If You Loan Modification Is Denied?
• Pre-Foreclosure And Foreclosure Time line And State Laws.
• A Real Estate Mortgage Consultant Available 24hrs A Day 7 Days A Week.

If You Hire Our Team of Pre-Foreclosure Consultants We Will Provide The Following:

We Have A Proven Track Record in Negotiating Short Sales And Modifying Loans, As Well As Wholesaling And Retailing Homes.

• Do not be fooled just because you were able to submit a package, that is only to appease you. That is the first step in long journey with no map in how to navigate through the banking channels.
• We Provide The Hardship Statement (Required) By The Bank And Walk You Through The Whole Process.
• We structure your modification package required by banks to meet the debt to income ratios required by your lender.
• We Package Your Loan Modification so it fits your lenders requirement for approval at end of the 8mths process. 
• We Aggressively Negotiate With Your Lenders Until We Reach An Agreement And Settle a lowered payment. 
• You Will Be Updated By Providing You Your Own User name And Password, So You Can Access Our Transaction Point Software.
• We Guide You Through Gathering All The Necessary Documents Needed By The Bank To Begin The Process.
• We Will Educate You, So You Know Your Options.

HOW DO I QUALIFY FOR A SHORT SALE?
You have to be a victim of hardship, where you are unable to make payments because of unemployment, divorce, medical, death or resetting of your adjustable rate mortgage.

HOW DO I GET STARTED?
Begin communication, proving hardship, and providing supporting financial documents.

WHEN SHOULD I GET THE PROCESS STARTED?
The sooner you get the process started, the more time you have for marketability and a successful resolution. Banks are well aware of the housing market and would prefer you sell the property. Banks are in the business of loaning money not managing and owning real estate.

HOW LONG IS THE LOAN MODIFICATION PROCESS AND WILL IT STOP MY FORECLOSURE?
Every modification is unique and requires its own unique time line. Typically, timing depends on how quickly you can begin negotiation with your lender, it all starts with the knowledge of all the policies and guidelines of the modification programs.

WHY SHOULDN'T I NEGOTIATE WITH MY LENDER DIRECTLY?
To put it simply, you are their adversary, they are collecting a debt. They have thousands of files being handled by hourly waged loss mitigators whose sole job description is to COLLECT and collect their bonus. It is very time consuming and the chances of you speaking to the same loss mitigator is very slim. You will lose sleep, become overwhelmed, stressed and frustrated! I have my MBA and I can only compare this tedious and monotonous process as to writing a thesis.

HISTORY SHOWS THAT IT WOULD NOT BE WISE TO DEFEND YOURSELF IN LAW SUIT nor SHOULD YOU FEEL COMFORTABLE IN HIRING A REALTOR WHO HAS NO VESTED INTEREST IN YOUR WELL BEING!
You need a third party Intermediary who has experience and a proven track record in the acceptance of the short sale.

PLEASE REASSESS YOUR STRATEGY in a housing market where banks are overwhelmed with thousands of foreclosures and short sales. The loss mitigation departments only concern is the banks portfolio and the banks financial well being and your short sale file can easily be placed at the lowest level of priority.

MODIFY MY HOME LOAN TODAY AND ASK FOR OUR FREE INSIGHT!

HOME-LOAN-SOLUTION.COM and Partners is committed to providing you with the best mitigators in the industry. We approach every short sale and mofication file with a different Stop foreclosure strategy and an ethical business model.

For close to a decade, HOME-LOAN-SOLUTION.COM and Partners has been designing unique and innovative systems. Each file is handled with unique perspective and integrity. HOME-LOAN-SOLUTION and Partners is established itself as a leader in the industry. Ingenuity and an eye for solutions make US and OUR Partners the obvious choice in hiring a Professional Mitigation Team.

What is a Short Sale?

A short sale is when your lender agrees to accept less than the principal amount owed to your lien holders. This amount exceeds or is close to the present value of your home, including closing costs and commissions.

Most Homeowners do not have enough equity within their homes to cover closing costs and commissions when the time comes to selling their home. The hottest topic in real estate investing today is ARIZONA SHORT SALES. Why? Because 90% of the mortgage market is made up of interest only, negative amortization and sub-prime loans ( and we know what's happening with them) . During the next 24 months these loans will come to maturity requiring re-financing. The problem with this is that the real estate market has gone soft, therefore property values have decreased by at least 30% preventing the possibility of re-financing.

 How can Short Sale or Modification Protection help me?

The housing meltdown is nationwide and we have helped homeowners throughout the nation. We manage the stress and paperwork for all stages of short sale or modification process. This process is a very strategic, tedious and cumbersome and requires lots of time, communication, due diligence and paperwork. So our team handles the process from the first phone call to opening escrow upon approval. We have formed alliances with investors, contractors, realtors, attorneys and title companies to expedite the short sale process for an approval and a sale.

Home-Loan-Solution.com is known for:

• Short Sale Success Rate
• Loan Modifications
• Stop foreclosure solutions
• Final Results exceeding expectations.
• Honesty, integrity, and great value.
• Members of BBB Reliability Program