Are you one of 30 million households behind on their mortgage?

Will you be one of over 5 million U.S. home owners who will ultimately lose their home to foreclosure?

Has your dream of home ownership turned into a nightmare of sky high interest rates, unaffordable payments, constant worry and the very real possibility of losing your home?

This DOES NOT need to happen to you or your family!

For a very limited time, you have the opportunity to take advantage of the political pressure being applied to banks and mortgage lenders to accept Loan Modifications and help keep home owners in their homes.

Do you find yourself in any of these situations?

• Unable to qualify for a much needed refinance?
• Has your adjustable interest rate increased drastically?
• Are you behind on your mortgage payments?
• Are you in a Negative Amortization loan?
• Do you owe more than your home is now worth?
• Used "Stated Income" to qualify for your current mortgage?
• Do you have a large balloon payment coming due soon?
• Did you take an overly expensive or predatory loan?
• Have you received a Notice of Default from your lender?
• Are you in foreclosure now and about to lose your home?

● Have missed payments forgiven.
● Get your monthly payment reduced.
● Get your high interest rates reduced.
● Have loan balance cut to match value.
● Stop foreclosure!
● Get a fresh start!

"For the time being at least, we're approving over 90 percent of loan modification requests. If it's properly prepared and makes sense, we'll probably approve it the first time through. Unfortunately, if it's a sloppy  request or missing information or just not very clear to us, we'll skip it and move on to the next one. We're just buried in these things right now."
- National Lender Loss Mitigation Underwriter

As Reported On

Fact:
     ● Home owner submitted loan modification requests have a 20% approval rate.
     ● Professional attorney-assisted loan modification requests have a 93% approval rate.
- National Association of Mortgage Bankers

Why a Loan Modification?
When you are behind on your mortgage, have little, no or negative equity, have damaged credit or insufficient income... you will not qualify for a refinance- no matter what any loan officer tells you.

The only way to remove the burden of a mortgage that's financially strangling you and obtain a payment that fits your budget is to keep your existing loan-- and modify its terms to fit your ability to pay.

Think of a Loan Modification as the opposite of qualifying for a mortgage; Instead of proving how much you can borrow, we prove how little you should be paying! And all without the huge added cost of a refinance!

"I am still truly amazed by all that you accomplished for us. I was happy enough just to have my 4 missed payments forgiven, but when you told me my rate and payment  were getting reduced too, I was literally speechless. What a bargain, thanks!
Ronald P. - Sacramento, CA

Do You Qualify?
You may be an ideal candidate for a Loan Modification if you are:

• A home owner in financial distress due to; an increase in interest rate or payment on an Adjustable Rate Mortgage. Temporary decrease or loss of income from an unusual event (illness, laid off, emergency, etc.)
• A home owner who doesn't qualify for a refinance due to; negative, limited, or no equity in home or is behind on payments.
• A home owner who was given a fraudulent loan; overstated income, misrepresented occupation, Disclosure Violation, misunderstood terms (Neg Am or ARM vs Fixed) or confusing documents (English vs. Spanish.)
• A home owner with a sincere desire to keep their home and who can afford a reasonable payment if given a fresh start.

"I can't believe you got my bank to reduce my loan by $75,000. After months of trying on my own I was so frustrated and ready to give up. I can get my life back to normal now. I don't know what we would have done without your help. Thank you! 
Richard and Lisa S. - Las Vegas, NV

What You Can Expect?
While it's impossible to predict the exact outcome of a Loan Modification, we can guarantee that the modified loan you get from your lender will place you in a much more favorable financial position. The whole point of your Loan Modification is to make it possible for you to stay in your home with payment terms that you and your family can comfortably live with.

The most common outcomes you can expect are:

● Missed payments are forgiven or moved to back end of the loan.
● Monthly payment is reduced to fit your ability to pay.
● High interest rate is reduced to create an affordable payment.
● Adjustable rate is converted to lower fixed-rate loan.
● Lender may forgive part of loan balance to match home's value.
● Foreclosure process is stopped and lender modifies loan terms!
● Negative amortization loans are converted to non-negative fixed loan.
● Any combination of one or more of these results. 
● You Get a Fresh Start!

"You can't imagine how it feels to finally be able to  sleep at night knowing everything if going to be alright. I am so grateful your legal staff examined  my old loan paperwork and found all those items that were wrong. We would be homeless right now if it wasn't for all your help. Thank you so much!
Andrew and Sarah H. - San Diego, CA

Why Us?
With so many individuals and companies now claiming to be Loan Modification experts, it's important for you to know whose hands you're placing your family's future in.

MortgageModSquad.org is a home owner relief team combining the mortgage expertise of My Home Loan Mortgage Services, Inc and the legal and negotiation expertise of Green Leaf Legal Services, LLC. The companies have a combined total of almost 30 years of experience representing distressed home owners in their fight for their rights against banks, lenders and unscrupulous mortgage and real estate agents.

Dept of Real Estate record: My Home Loan Mortgage Services

Our only goal is to help you stay in your home with a mortgage payment that's fair and that you and your family can afford.

Your inquiry will be personally answered by an experienced loan modification specialist with many years (not weeks) of experience and training in loan modifications, foreclosure relief, lender work outs, mortgage disclosure and consumer credit law. Our consultants will provide you with a FREE CONSULTATION that includes accurate, detailed and specific information just for you, right now!     
You want answers RIGHT NOW, we're here to give them to you!

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