Philadelphia Loan Modification Attorney | Pennsylvania Foreclosure Attorney | Feasterville Mortgage Modification Attorney | Montgomery County Lawyer

WE CAN STOP YOUR FORCLOSURE!

There is help available if you are having difficulty making your mortgage loan payments. You may be eligible for the new Home Affordable Modification program, part of the initiative announced by President Obama to help homeowners.

The Law Offices of Michael Kuldiner will work with you in an effort to make your mortgage payment affordable. Take advantage of this opportunity to modify your mortgage loan payment and keep your home. NOW IS THE TIME TO ACT! We are ready to help.

Here’s how it works: We will first determine if you are eligible based on your situation. If you are eligible, we will look at your monthly income and housing costs, including any past due payments, and then determine an affordable mortgage payment.

At first, we will arrange for you to make affordable monthly payments on your mortgage loan during a trial period. If you make those payments successfully and fulfill all trial period conditions, we will negotiate a permanent loan modification.

The modification may involve some or all of the following changes to your mortgage loan:

Bringing your account current
Reducing your monthly payments
Reducing the interest rate on your loan
Extending the term of the loan, and/or delaying your repayment of a portion of the mortgage principal until the end of the loan term
Reducing the principal balance owed

To take advantage of this opportunity and the Home Affordable Modification program, contact us as soon as possible. To help speed the process it will be helpful if you have the following information when you call:

Loan number
Monthly pre-tax income of each borrower
Information about any financial hardship you are suffering

Each client is assigned a personal loan modification specialist who will work with you from start to finish. Most loan modification companies will not offer our exemplary service. If you want to speak to your personal loan modification specialist, you simply call their direct line. This person will take away the confusion, hassle and stress normally associated with the daunting task of a loan modification. They will walk you through the entire process and keep you continuously updated with the advancement of your case.

Our clients range from being significantly behind to current in their payments. The federal government has issued a mandate that all banks must comply with new federal regulations governing the mortgage crisis. With the downturn in the economy, it is important for American citizens to KEEP THEIR HOMES. Here at the Law Offices of Michael Kuldiner, we have the resources and intimate knowledge of banking regulations and legislature to secure lower interest rates, lower monthly payments, and lower principal balances. DO NOT BE FOOLED BY IMPOSTERS! Hire the MOST TRUSTED loan modification law firm in the greater Philadelphia area to oversee your property’s re-adjustment.

We have experience dealing successfully in these counties:

Philadelphia
Bucks
Montgomery
Chester
Mercer
Monroe

OPTIONS TO STOP FORECLOSURE

PAY YOUR PAST DUE AMOUNT IMMEDIATELY AND BEGIN MAKING YOUR REGULAR MONTHLY PAYMENT
HIRE OUR FIRM TO MODIFY YOUR MORTGAGE WITH THE BANK
TAKE OUT A HOME EQUITY LOAN TO PAY OFF THE PAST DUE BALANCE
REFINANCE YOUR MORTGAGE LOAN WITH ANOTHER BANK AT A LOWER INTEREST RATE AND WITH BETTER MORE AFFORDABLE PAYMENTS
FILE BANKRUPTCY TO PUT YOUR CREDITORS ON A REPAYMENT PLAN YOU CAN AFFORD TO LIVE WITH
WORK WITH OUR FIRM TO COMPLETE A SHORT SALE TO HAVE MORTGAGE SATISFIED & RELEASED

In order to help you avoid foreclosure, we will need to negotiate with the bank(s) on your behalf.

We have experience dealing successfully with these banks:

IndyMAC
GMAC
Chase
SPS
WaMu

Wells Fargo
Everhome
EMC
ASC
And Many More…

INITIAL CONSULTATION IS FREE

Set up an appointment with one of our loan modification specialists to discuss the opportunities available to you. These documents are necessary to commence the loan modification process:

Bank Statements. Last (2) months bank statements from all of the banks that you hold accounts with.
Financial Statement. A statement that shows all the income sources, savings, assets and expenses of the owner(s). We can help you with this.
W-2 Forms. Last (2) years W-2 forms from all of your jobs or sources of income
Tax Returns. Last two years federal tax returns.
Insurance Claims Proof (if and when there is damage to the property subject to a pending claim).
Bankruptcy Letter or proof of bankruptcy proceedings. (if filed)
Copies of all 401k, IRA, or other retirement accounts
Proof of Disability if you are presently or recently disabled.

SECONDARY OPTION:

Short Sale

Short Sale is the sale of a property to a new owner for an amount that is lower than the current principal balance owed on the property.

Due to the current economic climate, banks are willing to accept less money than they are owed to facilitate the sale of properties.

If you find yourself behind in your mortgage payments or you feel that the increasing burden of your mortgage payments may become too great in the future, an increasingly popular option is short sale.

We have developed relationships with many banks including:

IndyMAC
GMAC
Chase
SPS
WaMu

Wells Fargo
Everhome
EMC
ASC
And Many More…

These relationships allow us to streamline and greatly increase the success rate of short sale actions. Short Sales can be very challenging and if not done properly, can lead to negative credit actions. Our team of short sale experts can facilitate the entire transaction and save you from credit ruination.

INITIAL CONSULTATION IS FREE

Set up an appointment with one of our short sale specialists to discuss the opportunities available to you. These documents are necessary to commence the short sale process:

Bank Statements. Last (2) months bank statements from all of the banks that you hold accounts with.
Financial Statement. A statement that shows all the income sources, savings, assets and expenses of the owner(s). We can help you with this.
W-2 Forms. Last (2) years W-2 forms from all of your jobs or sources of income
Tax Returns. Last two years federal tax returns.
Insurance Claims Proof (if and when there is damage to the property subject to a pending claim).
Bankruptcy Letter or proof of bankruptcy proceedings. (if filed)
Copies of all 401k, IRA, or other retirement accounts
Proof of Disability if you are presently or recently disabled.

CONFIDENTIALITY PROMISE

We will keep all the information you provide to us confidential. It will only be used, in a limited way as per required by the bank(s) that hold your mortgage.

TIME IS OF THE ESSENCE. There is a limited amount of time for us to take action. Please collect all the material as soon as possible and call us for an appointment today.