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Loan Modifications

Are you in danger of losing your home to foreclosure? Let us help you save your home now. Don't think you can afford an attorney? Our fees are low and you can make payments over time. A loan modification can result in a lower monthly mortgage payment by permanently lowering the interest rate on your home mortgage and in some cases even lower the principal amount you owe.

Our California legislature recently passed a new law that requires your lender to discuss loan modification options with you if you meet certain qualifications and if you are in default on your home loan. Many homeowners have tried to get a loan modification on their own but have only gotten the run around from their lenders. Call Howard Law today and let us get started on your loan modification.

If you have been waiting for the government to bail you out, you could be waiting a very long time as most of the President's loan modification and refinance programs are only voluntary. Lenders don't have to offer you a modification and your home could be foreclosed on by the time they get around to calling you back to discuss a loan modification. Don't lose your home waiting for your lender to save your home or for the government to bail you out - let us do the work of saving your home for you.

Howard Law will aggressively negotiate to get you the best loan modification possible and we may be able to file a lawsuit to enforce your rights if the lender fails to give you the loan modification you deserve.

Please don't waste your money on a loan modification company. Many loan modification companies are taking people's money and delivering a less than favorable result. Our law firm is saving homes and keeping our clients and families together. We will review your loan documents and look for any violations of the Truth In Lending Act and other federal and state laws that may be used as leverage to obtain a loan modification from your lender.

As you may have realized by now, many lenders will ignore your loan modification requests. But they won't ignore us. Do not wait to go into default and lose your home. If you believe you were the victim of a predatory lender, we can use that as leverage to obtain a loan modification. Please contact us now for a loan modification consultation. We now accept Visa and MasterCard.

HAMP and Other Government Programs

Lender Loan Modification Programs

Our Loan Modification Results - Homes Saved

"Do It Yourself" Loan Modification

Example Hardship Letter

Net Present Value or "NPV" Test

What to Do When Your Servicer Denies A HAMP Mod Because They Re-Ran the NPV Test

What to Do When Your Servicer Asks You to Re-Verify Income Documentation

What To Do When Your Servicer Says "the Investor Is Not Participating" in HAMP

What to Do When Your Servicer Refuses to Accept or Process a HAMP Application Because You Are In An Active Bankruptcy Case

What to Do When Your Servicer Denies You a HAMP Loan Modification Because You Received a Discharge in a Chapter 7 Case and Did Not Reaffirm the Mortgage Debt


Business and Professions Code §10085.6(a) prohibits a person (including attorneys) from negotiating, attempting to negotiating, arranging, attempting to arrange, or otherwise offer to perform a "mortgage loan modification or other form of mortgage loan forbearance" and receive/claim/demand/charge/collect any compensation until after the person (including attorneys) has fully performed each and every service the person (including attorneys) has contracted to perform or represented he/she would perform. The term compensation also includes wage assignments, a lien on real or personal property, or other security to secure compensation.

In accordance with Business and Professions Code §10085.6, our firm will not charge or collect our fee for any of these services until after we have performed the services under this "Do It Yourself" Agreement.

Pursuant to Business and Professions Code §10147.6, our firm herby notifies you that it is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting Notwithstanding, by entering into a "Do It Yourself" agreement with our firm, you will be choosing to have our law firm use its influence and experience to represent you in this matter and will have chosen us as a better alternative to the aforementioned other government and non–profit options.

To find out more information about how foreclosure laws may affect you or about how our law firm deals with lenders during the foreclosure boom, please read and view the following:

Dealing with the Foreclosure Boom
Dealing with the Foreclosure Boom
By Nancy Wride