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THE KRUP LAW GROUP

Loan Modification Lawyers

Restructure your mortgage loan • Lower payments without refinancing • Save money & prevent foreclosure
Call us or fill out the form on the right for a FREE quote.

Robert M. and Family lowered their payment by $1,675/mo

While we were apprehensive a bit, we still decided to join the program. Modifications Loan was very careful and worked out a clear payment plan that we knew we could afford. Here we are, not even two months later, and my family and I are able to smile each morning knowing we do not have to even think of foreclosure. That was the best phone call I ever made.

Zach W. lowered his monthly payment by $2,450/mo

I contacted Modifications Loan on the recommendation of a friend..she had used your services as well (which I would have never known, had I not broken down to her!).This problem faces more families than you think, and our family was blessed to have found Modifications Loan. My Loan Modifier, David, was straightforward with me from the beginning. He explained to me that the process would take time and there is no telling what kind of rate to expect.

Clarence and Avis Watkins lowered their monthly payment by $915/mo

I took on the role of trying to work with our bank directly to modify our loan. After endless faxes that were always lost by them, and numerous phone calls, we were nowhere. Staying on hold, or being transferred from one department to another doesn't work with a 2 year old pulling at your leg! My wife and I were desperate to keep our home, and I felt as though I had failed my family. i contacted Modifications Loan and professional attorneys had my loan modified within 90 days.

Henry and Ida Suh lowered their monthly payment by $2,000/mo

When I lost my job, I didn't know where to turn. A friend had recommended the attorneys at Modifications Loan and I immediately called and signed up for the program. Not only did they save my home but we have an extra $2,000 each month that is not going to the mortgage. You are a true life saver.

Spencer R. lowered his monthly payment by $750/mo

So, here's my story, My loan is through Bank of America, and I contacted them and was "approved" for Loan Modification. Sounds like GREAT NEWS, right? WRONG!!! Their "modification" was going to cost me more than the payments I couldn't afford, by over $475!! Obviously if I couldn't make my payments then, what would make them think I could tack on another $475? When I called them up their adjustor told me that only the 6 months I hadn't paid would be considered for modification and I'd also have to put down a "good faith" payment of $6,226.00. I still couldn't make any of these payments.

James and Brianne Plata lowered their monthly payment by $450/mo

At this point I was at my wit's end!! When I contacted Modifications Loan you took over all my correspondence with the bank and not only has the additional $475 payment been removed, my monthly payments dropped an additional $633 more!! Also, I don't have the pay that "good faith" payment (which I didn't have in the first place). I can finally make my payments! Thank you again Modifications Loan, you're life savers!!

How much will you lower your payment by?

Fill out the form on the right to find out. The sooner you get started, the better your modification.


Wells Fargo Loan Modification

Trying to get accepted for a Wells Fargo loan modification is not as complicated as some people make it. The key is to go into the loan modification process with clear goals about the payment that you would like to pay. Your budget is sure to play a large part in this, as well as attention to detail when you are completing the forms. Wells Fargo loan modifications are largely based and centered around your budget and what you can afford to pay. Knowing this as you enter the Wells Fargo home modification process can help you succeed in getting approved at the payment that you desire.

The first step in increasing your odds of getting approved for a Wells Fargo home modification is to fill out the paperwork and the application completely and accurately. This will give you a leg up on most people that apply. Getting the paperwork correct the first time is sure to increase your chances of approval.

Your hardship letter, which is required in the Wells Fargo low modification process, should be well thought out and detailed. Wells Fargo will need to know why you are experiencing financial troubles, how much you are able to currently afford, what other bills you have responsibilities towards and how you are going to repay the loan modification. All of these questions should be touched upon in your hardship letter and made very clear. This will increase your odds of success in the loan modification process as much as anything.

Many people try for a loan modification without first studying what it is and what it is for. Loan modifications are not for every financial situation by any stretch of imagination. Wells Fargo loan modifications are actually designed to lower the payments for those people that are facing foreclosure. They are good options for people in this situation, but poor if there are other options out there for this situation. These might include refinance options that are more traditional. Few situations are correct for Wells Fargo loan modifications when other options are available. Make sure you are in need of this as a final option, and then apply with a clear mind.

Once you have decided that you need a Wells Fargo loan modification, then you have to follow through with every single thing that they ask you to provide. When you have to send in information, it pays to send them certified mail so that you have proof of your compliance. Also, when at all possible you should ask for everything in writing. Keep in mind that Wells Fargo is under no obligation to redo your loan. That said, it pays to be polite to those people that are working on your loan. Many people make the mistake of being rude and shoot down their chances before they even get started.

If you are careful to be responsive, polite, and provide all the information needed, then the majority of time you will find success if you qualify. The key is to be proactive and not to wait on them to ask. When you know that something is needed, go ahead and get the papers together. This will allow you to be prepared when they request is made. This might include legal, financial, job and bill related paperwork. If you do all these things well, then you will likely have no trouble securing the Wells Fargo loan modification that you need.