Las Vegas Loan Modifications and Refinancing
There are many programs available to help homeowners who are underwater (i.e. their home is worth less than the principal owed on the mortgage). Most national banks have internal programs in addition to programs offered by the federal government (e.g. Home Affordable Refinance Program [HARP] and Home Affordable Modification Program [HAMP]), and the majority of these programs are not based on your credit score, but rather based on your income and ability to pay. The primary focus of these programs is lowering your mortgage payment so that you can stay in your home.
These programs can help you:
- PERMANENTLY lower your principal balance;
- REDUCE your interest rate (as low as 2%!);
- EXTEND the term of your loan;
- ELIMINATE or substantially reduce your 2nd mortgage;
- CHANGE from an adjustable to a fixed rate loan; and/or
- CONVERT to a conventional loan from an interest-only loan.
But most importantly if you qualify for a modification, we guarantee you’ll get it – or we’ll refund your fees*.
You can qualify for a modification/refinancing even if you’ve been turned down before. The majority of denials result from improper applications and individuals pursuing their own case. Just because these programs are “available to the public” doesn’t mean you should do them yourself. Our dedicated team has decades of experience dealing with both national and local banks, and have modified thousands of loans – from $50,000 to well over a million dollars. We know how to talk with the bank, we know how to get through the red tape and we know how to help you stay in your home.
We can modify loans on primary and secondary residences, commercial properties, investment properties and more. Because we’re a full service firm, we can help you find the right solution to the problems with your home – whether it’s a modification, refinance, short sale or even a bankruptcy. We do them all so that you make the decision on what’s best for you, and not us.