FORECLOSURE HELP
&
LOAN MODIFICATION

Home Foreclosure - How Can I Save My Home From Foreclosure?

Millions of homeowners across America today are losing their homes to Foreclosure. Many may even be your very own neighbors or friends. What most homeowners don’t realize though is that they can fight back…
and save their home from foreclosure!

How Can We Help You?

You see there are usually several defenses that homeowners can raise on their behalf in nearly every Foreclosure suit. Our firm will review your case to determine what defenses you have in your Foreclosure case. When the proper legal defenses are raised by an attorney who handles and understands Foreclosure cases, these defenses can literally keep you in your home while you and your attorney work together to negotiate a loan modification or another favorable option.

What Options Do I Have If Am In Foreclosure?

 Some of the options that can be available to you are:

• Loan Modification with a more favorable mortgage payment

• HAMP Program, Making Homes Affordable Program

• HARP Program

• Stipulated Foreclosure with Waiver of Deficiency

• Short Sale

• Deed in Lieu of Foreclosure With Waiver of Deficiency

• Filing Bankruptcy (and still save my home from foreclosure)

How Can These Options Help Me And My Family?

Depending on your situation, these options can either keep you in your home, or allow you to move but only after you’ve had the time to get all of your financial affairs in order.

At The Mendez Law Firm, our experienced Foreclosure Attorneys can guide you through the entire Foreclosure Process, assisting you and your family with:

• Examining all of your home loan documents to review all of the terms and conditions.

• Communicating directly with your lender’s legal department.

• Negotiating with your lender to Modify Your Mortgage, if that's what is best for you and your family.

• Defending your Foreclosure case in court by raising all applicable legal defenses.

• Negotiating a deed in lieu of foreclosure, with a waiver of deficiency.

• Help you and your Realtor negotiate a Short Sale with a waiver of deficiency.

• Helping you file for Bankruptcy, and possibly negotiate a loan modification as well.

We will discuss all your options, and aggressively pursue a strategy that works best for you and your family!

Don't Wait Until It’s Too Late!

You only have 20 days to answer a foreclosure lawsuit if you have been served. DO NOT WAIT!  We STRONGLY recommend that you hire a foreclosure attorney to help you save your home. Don't try to handle a foreclosure case by yourself.  It might mean the difference between saving your home or not.

In many cases, we can help you stay in your home. And when staying in your house is not what you want, we can help you negotiate the best solution with your Lender so you can move on and rebuild your life.

If you are being sued for Foreclosure, or just need more information about the Foreclosure process, contact us for a FREE consultation. Don't Wait A Day More!

Call Us NOW at (407) 380-7724!

Loan Modifications

A Loan Modification is an important part of the Foreclosure Defense process and is the preferred option for any homeowners who want to keep their home. Loan Modifications typically involve a reduction in the mortgage loan’s interest rate, an extension of the length of the term of the loan, a reduction or waiver of attorney’s fees, costs, and late fees, and in some cases, a reduction in the principal amount owed on the loan.

Home Foreclosures are being filed by banks and their attorneys against homeowners in America at record levels. Many homeowners today could lose their home to a foreclosure. A Loan Modification may be the only way for a homeowner to save the biggest investment of their life, their home.

Negotiating with the bank though for a modification of your home loan can be an overwhelming process for most homeowners. Because you have so much at stake, we strongly recommend that you have an experienced attorney who handles Loan Modifications take care of negotiating this important matter for you.

What Happens In A Loan Modification?

In a Loan Modification application, we negotiate one or more of the following possible resolutions on your behalf:

• A reduction of your interest rate

• An extension of the loan term

• A possible reduction of your loan amount, or what is called your principal

• Deed in Lieu of Foreclosure with a waiver of any deficiency

• Short Sale with waiver of any deficiency

We can even explain to you President Obama's Making Homes Affordable Program, the Homes Affordable Modification Program (HAMP), and the Homes Affordable Refinance Program (HARP), and how you can qualify for help!

Be aware though! There are many companies advertising that they can stop your Foreclosure. Most of these companies are not licensed Attorneys and do not contest your foreclosure case in court.

As a result, these companies will not have any leverage to obtain an acceptable loan modification for you. Why? Because Lenders are always more willing to re-negotiate the terms of a mortgage when the borrowers have an attorney that is fighting for them in court!

If you hire anyone other than our law firm, please make sure that the person is licensed to practice law, has experience in the area of Loan Modifications and handles Foreclosure cases in court. Also make sure you are clear about the fee that will be charged for a loan modification, and the fee charged for a Foreclosure defense in court.

What We Charge: The fee for Foreclosure Defense and Loan Modifications is dependent upon the number of mortgages on each property. The fees can be paid in affordable monthly payments or a flat fee, depending on what YOU want to do with your home.

Please contact our office for a FREE, no obligation consultation about your questions concerning Loan Modification, Foreclosure, Bankruptcy, or other debt concerns.

Don’t wait until it is too late!

Call Us NOW at (407) 380-7724!