Bad Credit? Mortgage Refinance?

You have bad credit and you know you cannot refinance to reduce that interest rate! 

Have you considered a Loan Modification?
Yes a Loan Modification can help you!  

A loan modification will lower your interest rate for the length of the loan.

Even if you have fallen behind in your mortgage payments a loan modification will help stop foreclosure.

There are government regulations the lenders have to follow to participate in with the loan modifications process.  

If you have any of the following  hardships you can qualify:

•   Bad credit - there are no credit checks.
•   You or another provider in your household lost your job or
    have fallen ill.  
•   You are over extended with your credit cards.
•   Your property taxes increased. 
•   Your cash reserves have become insufficient to maintain
    your mortgage and other living expenses.

We understand that situations in all of our lives have probably changed over the past couple of years. Please pick up the phone and call us now at 847-285-1461.
We are successfully modifying loans like yours everyday. Our professionals will pre-qualify you in 10 minutes over the phone and there are no upfront fees until you are modified!!

For a free loan modification consultation go to http://www.jdssaysyes.com/

Refinance Home Loans?

Have you considered refinancing your home but your credit score isn't what it used to be. You are upside down with the value of your home and it is becoming a struggle for you to make those monthly payments. Let us help give you some peace of mind. There is no need to refinance with Obama Making Home Affordable Program(HAMP). A Loan Modification can save you money. It will lower your Monthly Payments by lowering the interest rate for the term of your loan. It can stop the foreclosure process and postpone the sale date. We have saved many homeowners substantial amounts of money, from $200 to $1800 a month with their mortgage payments. We have no upfront fees and all it takes is a 10 minute phone call to pre-qualify. Visit our website and look for us on Facebook.
For a free loan modification consultation go to http://www.jdssaysyes.com

Loan Modifications and Credit Card Debt.

Some times it's kind of difficult trying to obtain a home loan modification on your own as many financial lenders are not cooperative at all. Every time you call they give you the same message repeatedly "your modification is still in the process and it is waiting for the underwriters decision." Or this was my favorite "we are missing some documents." You have already sent them and they misplaced them and you will need to submit again and again. We are a team of professional in the real estate, banking and credit card restoration business. Contact us to qualify for a loan modification, refinance or credit card restoration. Let us educate you on all your options!
For a free loan modification and credit card resolution consultation go to http://www.jdssaysyes.com

Chapter 13 Bankruptcy? Credit card debt? Avoid Foreclosure!

We understand times are tough right now with the economy being the way it is. Many of us are still without a job or are without a steady income. Are you facing financial burdens? Are you or anyone you know struggling to make your mortgage payments? Are you over extended with your credit cards? Is it getting more difficult to handle the monthly payments? You can avoid Chapter 13 and avoid foreclosure contact us now so we can help. There are options for you to take. We are here to answer all your questions. No upfront fees, credit card checks, and no need to refinance!
For a free loan modification consultation go to http://www.jdssaysyes.com

Loan Modifications Make Your Home Affordable

Avoid Foreclosure! President Barack Obama's (HAMP) Home Affordable Modification Program is to help up to 9 million people keep their homes from going into foreclosure. Are you one of the thousands not taking advantage of this program? You are not alone if you are feeling the pain from this economy and need some relief with your mortgage payments. A Loan Modification is a permanent change in one or more of the terms of a borrower's loan, it allows the loan to be reinstated, and results in a payment the borrower can afford. We can assist you, just one phone call to find out what your payment reduction could potentially be. No Credit Checks or Upfront fees. Call us now to qualify!

For a free loan modification consultation go to http://www.jdssaysyes.com

Loan Modification Questions

Frequently Asked Questions

Question: In Utilizing the Loan Modification option to bring an asset current, can the mortgagee include all fees and corporate advances?

Answer: Mortgagee Letter 2008-21 states in part: Legal fees and related foreclosure costs for work actually completed and applicable to the current default episode may be capitalized into the modified principal balance.

Question: Can a mortgagee inlude late charges in the Loan Modification?

Answer: Mortgagee Letter 2008-21 states that accrued late charges should be waived by the mortgagee at the time of the Loan Modification.

Post: Homes & Communities US Department of Housing and Urban Development.

For a free loan modification consultation go to http://www.jdssaysyes.com

The Feds protect Foreclosure Victims

Good news has been announced by The American Residential Law Group - new protection rules coming from the federal government for those who are facing foreclosure. Changes have been brought about to HAMP that will be more effective in delivering the goods - preventing eviction and foreclosures. This new kind of protection plan has been initiated by Washington for foreclosure victims. The new plan envisages protection so as to remove confusion and feeling of frustration that homeowners are facing while hunting for financial relief. Some of these home owners have been able to get some help through the HAMP plan. To battle this tendency new practices have been mandated by the federal government with which the lenders would have to comply. The lenders are now expected to complete screening of the homeowners who are at risk from foreclosure to find out if they qualify for the loan modification.
The lenders are now prohibited from foreclosing on any homeowner until the eligibility test has been completed.
Posted in Foreclosure Victims. June 1st, 2010
It takes JDS Loan Modification Center just a few minutes to find out if you qualify for a loan mod. Call us at 630-529-1700

For a free loan modification consultation go to http://www.jdssaysyes.com