Testimonials

While I was apprehensive a bit, I 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.

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.

I hope that this email finds its way to the amazing team of Modifications Loan. I'm sure you receive hundreds of these a day, but I truly want to say thank you for your help. I am a stay at home mother of four and for the last four months my husband at I were not sure where we'd turn when we were faced with foreclosure.

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.

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!!

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.

Dear Raul,
I want to take this opportunity to thank you at Modifications Loan for helping me keep my home. A special thanks to you, Raul, for being so patient with me and answering all my concerns and phone calls with elegance and kindness. I was prepared to hand back the keys to the home I had worked so hard to afford. It is my first home and I wasn't ready to let go. Thanks to you Raul, I can open my mail without holding my breath, and make my payments ever month...and most importantly, know that my home is mine and will continue to be for a very long time. Thank you.