How Our Loan Modification Program Works (Full Service)

Please follow the steps below to see if our full service loan modification program is right for your situation.

1. The first step in determining whether a loan modification is right for you is a free no obligation consultation. Simply call us by , or at (949) 315-7067, or fill out the form and we will walk you through the qualification process, let you know what to expect and work with you throughout the process.

2. After the initial consultation, we will determine if you fit within the parameters and are a candidate for one of our 2 loan modification programs. During this initial consultation, you will be asked a variety of questions, please answer them truthfully and candidly as this will only benefit our ability to come alongside and provide you with a solution tailored to your needs.

3. If our legal team and the loss mitigation department determine that you fit within the guidelines of a modification we will send a Loan Modification Retainer Agreement. The Retainer Agreement contains all the necessary items our law firm requires to work with your lender in determining a workable solution.

4. In conjunction with the Loan Modification Program Agreement, we will send you the Loan Modification Financial Worksheet. These documents will address detailed aspects of your current and past financial history. Our loan modification specialists will work with you to complete these documents.

5. Once your documents are submitted to us, we will begin communication with your lender and creation of the package to be submitted to your lender. While we are creating the package, our staff may conduct additional forensic loan auditing to determine if there are any predatory lending violations. You will also be contacted during this time from our compliance department confirming all of the information submitted to be accurate. A welcome package will be sent giving you a detailed outline of what to expect throughout the process. During the negotiation process you will receive regular updates from our loss mitigation department regarding the status of your modification.

6. The process generally takes between 60-190 days to complete. Once complete we will present the new loan documents to you for execution. Please call today for your free consultation.

7. 100% MONEY BACK GUARANTEE!! If Neighborhood Home Relief is unable to provide you with the following loss mitigation solutions appropriate to your situation, including a modification, loan restructuring, short-sale authorization, or deed in-lieu of foreclosure authorization, the client will be entitled to full reimbursement of the retainer fee. (Ask to see the Retainer Agreement for complete outline of service guarantee)

Disclaimer: Under no circumstances can The Owen Team and/or Neighborhood Home Relief guarantee any specific results within the loss mitigation process. Bank guidelines change frequently causing the modification process to be complicated. Neighborhood Home Relief cannot guarantee the reduction of principle balances on your mortgage, a specific interest rate reduction on your loans, nor any additional specific results. The Owen Team and Neighborhood Home Relief will only guarantee our law firm and loss mitigation team will work to provide you with a beneficial loss mitigation solution per number 7. If for any reason we are unable to meet the contractual obligation you will be entitled to a complete refund of all payments rendered.