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YES... Loan Modification can be done on existing mortgages. Short Sales may not  always be the answer.- LANOSA AGENTS now you can give your clients hope and answers for those very tough questions...

Stop Foreclosure and Help your Clients Keep thier Homes...

There are many solutions available to homeowners falling behind on their payments. Most people think Bankruptcy in the only option, short of just letting the Bank take the home. There are many consequences to either action. While "Short Sales" are becoming more common, it still requires that you leave the home. Many Lenders have workout options available, but want you to "catch up" all the missed payments. Obviously this is nearly impossible for most people. There is one option that will allow you to keep your home, reduce your payments, and potentially reduce the principal balance due on your home. Loan Modification is a HUD approved workout solution becoming more common during this foreclosure crisis.

Help your clients. They have options in this market. People do not have to loose there homes because of  market conditions-There is hope for every home owner in Florida

Email -Broker /Frank Lanosa your questions and let me prove to you that YES! There is HOPE!  or call me   561-718-4801  Direct line to Broker

 

• What is a Loan Modification?
  A Loan Modification is the reduction in one or more of the following: Interest Rate; Principal Balance; Penalties. It also must bring the account current, creating a fresh start for the borrower. There are many reasons for seeking a Loan Modification, however not everyone can qualify. Most Lenders will tell consumers they do not qualify, or deny the first attempt in order to collect the full amount due.Our team will qualify you according to Lender Guidelines, and negotiate on your behalf to force the Lender to accept modification. A Loan Modification will create a current account and give you the ability to keep your home.
  
  
  
• What is a Short Sale?
  A Short Sale is a way to liquidate your property without paying off the bank completely. Sounds odd? It is. It requires the Lender to accept less than what you owe them to transfer the title, or sell the property. It is becoming more common as property values have fallen dramatically, and 100% loans were very common at the peak of the market. Be aware, even if you can keep making payments until the property sells, there will be a negative effect on your credit rating. While exploring your options to avoid foreclosure, this is certainly better than a foreclosure.