A Florida Homeowner's Guide
Whatever situation you’re facing, we are here to help you through this difficult process while we aggressively defend your rights.
As soon as you call or complete the online information form, we will contact you to discuss different options you have available to stop foreclosure on your home. At Alliance Attorneys, our mission is to help you achieve the outcome you are looking for when facing foreclosure. In the unlikely event that our attorney believes we cannot help you in your particular case, we will advise you immediately so you can explore other options quickly.
Advocating Aggressively for Homeowners In Distress
There are many legal defenses our attorneys will investigate on your behalf. More often than not, such defenses involve irregularities in the mortgage loan process. Perhaps important items or terms were not properly disclosed at origination or maybe your lender has violated certain regulatory requirements. One of the first steps we’ll undertake is conducting a mini audit of your home loan and a thorough analysis of your mortgage as it relates to current foreclosure laws. Then we will prepare to champion all your legal rights to stop foreclosure immediately. Contact us immediately and we will conduct a free mini audit of your home loan.
Why a loan modification
If you’ve not yet fallen behind on your mortgage payments, or even if you have, you may qualify for a loan modification. Maybe you’re likely to miss some installments because you’ve lost your job, become disabled, or had some other financial crisis. You may be in a lot better shape for a loan modification program than you may believe.
Preparing for a loan modification
Before you do contact the assigned representative at your financial institution, you should prepare yourself and become informed about your specific loan terms and financial situation. Go to your filing cabinet or shoebox and get out your loan and house paperwork. Read it over and be sure you understand it. You may discover that your lender has clauses that specifically refer to ways to stop residence foreclosure through a loan modification or what to do if you find yourself in a scenario that makes repayment hard or impossible.
If you’re uncomfortable with the legal jargon or just plain uncomfortable with the situation, you should contact a licensed attorney familiar with foreclosure defense and loan modification. Alliance Legal Group will negotiate aggressively with your lender on your behalf.
Banks want to grant a loan modification
If you were a victim of predatory lending, you may even have legal recourse against your lender. With the housing boom of many years ago, there was a surge in predatory lending, and there are homeowners that have successfully sued lenders who used less-than-reputable lending practices. When our auditors perform audits of homeowner’s mortgage documents we find lender violations 8 out of 10 times. We will perform these audits at no cost to you. Call for a free audit of your loan paperwork. If we discover lender violations in your loan it may help you negotiate a better loan modification.
You may be able to re-negotiate the terms of your loan, or undergo loan modification. You may be able to negotiate short-refinance terms. You might be able to do short-sale negotiations. You will find other choices that may perhaps be readily available too. Do not wait to get started negotiating a loan modification. Call Alliance Legal Group for a free consultation.
