US Housing Relief evaluates your current mortgage crisis whether you are struggling to stay current, possibly  facing foreclosure or you may be one of the many homeowners that are current, not struggling but want refinance and can’t due to the market crash. You are  told you cannot refinance because the equity is just not there anymore!

Regardless of your situation US Housing Relief evaluates your individual situation to see if you qualify for one of the many loan modification programs. The newest stimulus bailout or Tarp money allocated for the housing crisis is called the Homeowner Affordability & Stability Plan set fourth by President Obama and his Administration on March 4th, 2009. Billions of dollars have been allocated for Americans facing hard economic times. The key to obtaining this stimulus and or bailout money is to apply for a loan modification with your current mortgage company or companies.

The problem lies in qualifying for the loan modification. Do not get fooled by your bank/mortgage company or the media that you can do the loan modification without professional assistance. It is crucial that your application meets the underwriting “restructuring” requirements. Most of Americans that apply find themselves being declined “turned down” for any relief programs. It really is unwise not use a professional modification service to make sure your “income” “monthly expenses” meet the ratio requirements to qualify. “Do it yourselfers” 90% are declined “turned downed” or getting a poor result on the loan modification, using a third party designated specialist will insure the very best possible result which in turn will mean a much lower mortgage payment. Successful loan modifications can literally save the home owner tens of thousands of dollars over the term of mortgage.

MESSAGE TO HOME OWNERS:

If you really want to modify your loan this is what you need to do!

Get educated and get prepared to hire someone to deal with your lender. Don’t listen to the all the hype in the media. Loan modification companies earn every penny of the fee charged. It is true you have to be very cautious when giving someone your hard earned money. ABC News ran a segment telling you to stay clear of loan modification companies and never pay an upfront fee. Do you think ABC News runs on love? No they don’t. They need to earn revenue just like any other business. ABC made it sound so simple. They tell you to just call your local financial counselor or just call the bank yourself. Do you really think anyone at ABC News has modified a loan? ABC news has no idea of the complexity of a loan modification or how incredibly time consuming it is?

To prove our point, here is one simple question that will decide if your current loan is modified or denied. What is your back end ratio? If you answered this question then you most likely have enough knowledge to deal with your bank or investor. However if you are like 95% of the population and have no idea what that means then hire someone who does. You have one chance to modify your loan. A loan modification company can increase your chances of saving your home by 80% and they can help prepare you for an exit strategy in case the investor is not willing to negotiate. A loan modification has several meanings and facets. Loan modification companies will help you save your home first and then if that fails, they will help save your credit. A state financial counselor is not going to tell you that! These are tough times and tough times require the knowledge of a professional. A loan modification process doesn’t happen over night. It could take up to 90 days or longer. Loan modification companies will help you prepare mentally and physically for whatever option best suits your financial need. In some cases a loan modification called a Short Sale is in the homeowners best interest.

Reputable Loan Modification companies will work hard for you and you can always count on them to tell you like it is! Can you say the same for the media?

Many of you took out adjustable rate mortgages with low initial payments, and negative amortization mortgages with low payments. Unfortunately, most homeowners never fully understood, nor, and most importantly, were never fully explained, the potential future consequences of these types of mortgages. As a result, many of you are now facing rising mortgage payments.

With the real estate market in serious decline, coupled with the enormous increase in the prices of gas, food, utilities, and home heating oil, times are extremely difficult for homeowners. Many homeowners can’t afford to absorb all these price increases plus pay ever increasing monthly mortgage payments.

If you find yourself in this situation, you are not alone. In fact, millions of Americans are facing the same difficulties. Foreclosures are at an all time high. Refinancing is not an alternative for most, because of the nationwide banking crisis and the steep decline in the value of homes.

US HOUSING RELIEF WILL MAKE YOUR

HOME AFFORDABLE AGAIN!

Finally Help for Home Owners

programs through Mortgage Assistance

Our negotiation team will work with your existing lender to reduce your monthly mortgage payments by reducing your interest rate and/or changing the term of your mortgage. Additionally, in certain cases, we are also able to reduce the principal amount owed to your lender and/or bring your loan current.

We are not a mortgage broker and we are not affiliated with any bank. We are homeowner advocates who are here to help you.

FINANCIAL STABILITY:

If you are a homeowner who is current on your mortgage payments but unable to refinance to a lower interest rate because your home value has decreased, you may be able to refinance.

Do I qualify for a Making Home Affordable refinance or Loan Modification?
Answer these Questions:
Is your home your primary residence?
Are you currently employed or on a fixed income?
Is your mortgage payment and all your bills close to what you bring home?
Is your current interest rate adjustable or your fixed rate just to high?

If you happen to be more than two payments down call the emergency hot line
1-888-838-1678

APPLY HERE