Protect yourself by making sure you are a candidate for a loan modification before paying money.

The
actual business model, in part, at U.S. Loan Modifier is to monitor
what representatives are telling homeowners. Information they gather is
then reviewed by the corporate office to make sure the homeowner meets
basic requirements. There is a 24 hr waiting period which allows the
homeowner to think about what was said and call around for other
options if so desired. Not all homeowners are approved. When approved
to move forward, they are sent an email with basic paperwork included
to expedite the process. We do this as some homeowners have a dire need
to save their home and time is of the essence and they are not just
“seeing what’s out there”.

At this time a U.S. Loan Modifier
Representative will call the client, congratulate them, and answer any
final questions. David Wilson says, “We put people at ease and help
them make a wise decision. They are already under severe pressure with
the thought of losing their home; we consult with them about their
options.”

Then a call is made by the compliance department to
make sure the homeowner understands the process, and that “promises”
weren’t made to the homeowner that shouldn’t have. David adds “at this
point a minimum of three people have reviewed the homeowner’s situation
before any money is taken.”

As final protection for the
homeowner, the file is turned over to an assigned attorney who then
reviews the homeowner’s situation before accepting the case. If the
case is rejected, the homeowner’s funds are sent back. It’s that
simple. All of these steps are taken to protect the homeowner and
having several people review the situation before final acceptance
helps insure the homeowner is protected. Wilson adds, “We match law
firms with client’s needs, they are retaining an attorney. That’s the
only way to go.”

All these steps insure the homeowner is
protected from lies and false promises. To protect yourself ask if they
are a U.S. Loan Modifier Representative. David continues, “We go the
extra mile to make sure the client qualifies. If they don’t then they
may need to make plans on moving, and if that’s the case they will need
their money.”

Wilson says, “Most lenders are not required to
follow President Obama’s Making Home Affordable guidelines. Lenders do
not want the government to step in, they lose too much money. I often
ask homeowners if they have the IRS prepare their taxes or do they hire
a reputable tax person. The answer has never been ‘I call the IRS for
help’, even though it’s free.”

http://www.usloanmodifier.com/