LOAN MODIFICATIONS

Is A Loan Modification Right For Me?

Are you fearful that your humble abode where you have made a lifetime of family memories may be foreclosed upon? Looking for a solution that will allow you and your family to take on a fresh start? If you are finding it difficult to make your mortgage payments, it may be time to consider a loan modification for your second chance.

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What Is A Loan Modification?

A loan modification is a permanent strategy , which changes the terms of the original loan, accounts for delinquent payments and allows you to secure a more affordable payment and keep your home . By altering one or more terms of your loan agreement, the loan becomes reinstated, and the homeowner can experience financial hardship relief.

What Info Will I Need To Collect To Discuss My Eligibility For A Loan Mod?

  • Hardship Letter
  • 2 Years of Income Tax Returns
  • List of Expenses

Additional documents may be necessary, but your legal counsel will keep you up-to-date throughout the entire process.

Recent Results:

• Secured a rescission of trustee sale and loan modification for a client who was provided with a Sheriff’s 5-day notice to vacate the property in November 2014.

• Secured a $30,000.00 settlement and loan modification for a couple who had not paid their mortgage for over 2 years.

• Secured a rescission of trustee sale, loan modification and $5000 settlement for a client who had an eviction judgment entered against him in December 2013.

• Secured settlement of $17,500 for a client who had sold his home but felt as though the lender/servicer had acted wrongfully in reviewing his loan modification application.

• Secured settlement of $25,000 for a client whose home had been foreclosed upon 2 years prior to the filing of the suit.

• Secured settlement of $15,000 for a client whose home had been foreclosed upon a year prior to the filing of the suit.

• Secured a loan modification for a fixed term loan with a $180,000 balance reduction for a senior citizen couple whose home of 35 years was going to be foreclosed upon.

• Facilitated sale of father’s home for client who was prevented from purchasing the home prior to foreclosure via reverse mortgage upon her father’s death.

• Secured a settlement of $7500 and 8 extra free months at their home for a couple who could not afford their home mortgage or a modification and had not paid a mortgage for 3 years.

More Services

  1. Wrongful Forclosures

    We will determine whether filing a lawsuit is in your best interest and whether we can save your home or get you compensation for an unlawful sale.  Additionally we will help you if you are in an unlawful detainer action resulting from foreclosure.

  2. Corporate Formation

    Avoid overpaying in taxes each year by utilizing tax savings and liability protection that comes hand in hand with incorporation.

  3. Estate Planning

    Protect your loved ones and assets by avoiding the excessive fees and costs that come with probate and instead allow us to maximize your estate planning measures.

  4. Forms
  5. MyCase

    Enhance the client-attorney experience by managing your case and communicating with all involved parties on MyCase.

  6. Payment

    Experience ease in making payments through our innovative website.

Contact Us Today!

Licensed in California, New York, and Arizona (Florida pending), contact the legal experts at the Law Offices of Adela Z. Ulloa, APC today if you think a loan modification may be your answer to a fresh start. We take our ethical and professional duties as attorneys very seriously and will always act in your exclusive benefit.