Need a Lower Monthly Payment?
If the answer is YES, then call our office at (888) 577-1482
We are not a drive-through, high-volume loan modification mill. Each client meets us at our office and knows their attorney by name, as well as the support staff that handles their case.
By working with our firm, you have the ability to:
- Drop off documents in person
- Have direct access to our office
- Speak with case workers who know your situation
Still Struggling Years After the Recession?
Even though it has been 10 years since the recession, many homeowners are still suffering from being locked into bad mortgages
As your family grows, your disposable income contracts—and you start having difficulty paying your mortgage.
YOU ARE NOT ALONE!
Our clients are your everyday families:
- Sometimes there are two parents
- Sometimes one parent is doing the work of two
- Sometimes you’re caring for an aging parent
In any of these situations, you are not the bad person
You are the victim of the banks
Required Loan Modification Documents
To begin your home loan modification process, please prepare the following documents:
- Two most recent complete bank statements (including checking and savings accounts)
- Two most recent pay stubs
- Two most recent state and federal tax returns
- 2-page handwritten hardship letter
- Most recent statements of any investments or retirement accounts
- Copy of deed of trust from each mortgage loan
- Copy of homeowner insurance policy and property tax bills
- Any notices of default or pre-foreclosure
- Copy of Driver’s License
Contact Our Georgia Home Loan Modification Attorney
If you’re facing mortgage difficulties and need a team who understands your unique situation, we are here to help. Call us at (888) 577-1482 for personalized assistance.
Frequently Asked Questions
What is a loan modification and how does it help?
A loan modification is a permanent restructuring of your mortgage where the lender changes one or more of the terms to make payments more affordable. It can lower your monthly payments, reduce interest rates, or extend the loan term helping you avoid foreclosure and stay in your home.
Who qualifies for a home loan modification?
Homeowners experiencing financial hardship such as job loss, reduced income, or unexpected medical expenses may qualify for a loan modification. Supporting documents like pay stubs, tax returns, and a hardship letter are typically required to start the process.
What documents do I need to apply for a loan modification?
You’ll need your two most recent bank statements, pay stubs, state and federal tax returns, a handwritten hardship letter, investment or retirement account statements, a copy of your mortgage deed, homeowner’s insurance policy, property tax bills, and any foreclosure notices, along with your driver’s license.
Is it better to work with a law firm or do a loan modification on my own?
Working with a law firm can provide personalized legal guidance, help ensure documentation is complete, and improve communication with lenders. At our firm, clients meet their attorney in person and receive hands-on support throughout the process.
Can I still apply for a loan modification years after the recession?
Yes, many homeowners continue to struggle with high mortgage payments even years after the recession. If you’re still dealing with the impact of a bad loan, you may be eligible for assistance regardless of when your financial hardship began.