Posts Tagged ‘loan modification blog’

Arizona Loan Modification Company On Twitter

Sunday, May 3rd, 2009

AdjustMyLoan On Twitter

AdjustMyLoan.com On Twitter

 

Yes, we recognize the importance of sharing all the great information we put out there about loan modifications.  From news to do-it-yourself advice, we understand that there are many homeowners who want to learn as much as they can before trying to modify their own home loan(s).  The website and loan modification blog from AML has so much great information, we just had to share it with the twitterers of the world!  If you are interested in receiving FREE loan modification tips and tricks, just follow us on twitter.com by clicking on the big graphic up above or by CLICKING HERE.  We look forward to sharing our insight with you!

 

Cheers,

The AML Team

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Posted in ADJUSTMYLOAN.COM, DO-IT-YOURSELF LOAN MODIFICATION, LOAN MODIFICATION | No Comments »

Yes There Is Such A Thing As An Honest Loan Modification Company!

Friday, April 24th, 2009

honest-loan-modifications

WITH ALL THE LOAN MODIFICATION SCAMS OUT THERE, IS THERE SUCH A THING AS A REPUTABLE, HONEST LOAN MODIFICATION COMPANY?

 

We have all heard the news lately…”loan modification scam takes advantage of another homeowner”, or “call the lender yourself and don’t pay a third party to help you with your modification”.  The news loves a bad story and makes one wonder if there are any good, honest loan modification companies out there?

 

THE POLITICALLY CORRECT THING TO SAY

 

Now, at www.adjustMYLOAN.com we absolutely think it is a good idea to be proactive when you are a homeowner facing a financial hardship and you believe you cannot make your upcoming mortgage payments.  It seems like the natural thing to do (and the politically correct thing to say) and call your lender right away when you are experiencing problems paying your mortgage.  The problem is that many homeowners who are not educated in the real estate / mortgage / loss mitigation world do not know what division to call, what to say, and most importantly, what financial information to disclose during those phone calls.  What happens is many homeowners fall into three categories when they try and do a home loan modification themselves…”the disconnect”, the “sorry you don’t qualify”, or the worst one of them all the “here’s your crappy modification agreement”.  

 

The “disconnect”  is where you call and get transferred over and over, wait on hold forever, and eventually get disconnected.  Do this a few times and the frustration is overwhelming.  People already have a fear of confrontation and hate waiting on hold forever so many times this is enough to get them to quit.

 

The “sorry you don’t qualify”is when an uneducated homeowner calls their lender out of desperation and doesn’t understand that the lender is going to ask them for their financial information…sometimes right then and there over the phone.  The poor homeowner discloses financials on-the-fly and ends up de-qualifying themselves because they don’t know what loan-to-value / debt-to-income ratio’s the banks are looking for.  Again..the frustration is overwhelming because no matter if they qualify or not the fact remains they can’t afford their current payment.  The loss mitigation departments at most major lenders are extremely slow and it takes the average consumer a couple of months to get any answers and by this time it might be too late!  Lastly, the call centers at these banks are sometimes overseas and we all know how frustrating it can be when you get someone that barely speaks English telling you (without any feeling of empathy) that there is nothing they can do for you!

 

The “here’s your crappy modification agreement” is so common and it makes us nauseous.  Many homeowners don’t have the time to educate themselves on the in’s and out’s of loss mitigation before attempting to modify their own home loan.  They don’t understand the processes, how to get to the decision makers, or the fact that you can counter-offer and get better terms.  Most wear out after talking to a un-empathetic loss mitigation negotiator at the bank and end up accepting whatever terms they can just to be done with it.  Remember, the banks want to mitigate their loss…that’s why its called loss mitigation!  They definitely don’t have your best interest in mind otherwise they would make it super easy to complete this process.  If you don’t have a real estate / mortgage background, or you don’t have the time going back and forth with your lender(s) for months and months, contract the work out to a trained expert in loan modification negotiating.

 

 

THIS ONE IS OUR FAVORITE

 

How about this one…“call a HUD certified counselor and get a FREE modification”.  While this advice sounds good, we all can agree that nothing good is cheap and seldom anything cheap is good!  Free help from a counselor is just that…FREE help (not them actually doing it for you).  Anyone can gather the necessary paperwork and submit it to the lender…what a homeowner needs is an aggressive person (or team of people) to fight for the best loan terms possible and not just a paperwork submission helper.  Every “financial expert” on the news is telling homeowners to avoid paying up-front fee’s to modification companies and go to a HUD certified counselor for free help.  These same people are so far removed from any financial struggles that they don’t feel the severity of the situation.  It’s easy to give advice when you are not the one struggling financially, or fighting with your spouse everyday over finances.  HUD counselors do not have the time to spend 40-50-60 hours fighting to get you better mortgage terms.  In most cases they help you gather the necessary documents and submit them to the lender.  Then whatever modification (if any) the lender gives after months and months of waiting is what you will have to accept.  NOT AT ADJUSTMYLOAN.COM.  We spend all the time necessary to aggressively fight to get you the best loan terms available.

 

NOTE: HUD Counselors do help you submit the correct financials so in that instance they are a good resource if you do insist on doing this yourself just don’t expect them to do the actual negotiations for you!

 

THE LOAN MODIFICATION MERRY-GO-ROUND

 

There was a news story about a congresswoman who tried and negotiate her own loan modification only to get the run-a-round and give up frustrated.  CLICK HERE to watch the video.  Yes, it is possible to get your own modification, but statistics prove that almost 40% of homeowners who achieve their own loan modification re-default within 6 months because the lender(s) put them into a half ass modification that was in the banks best interest…not the homeowners.  DON’T BE A STATISTIC.  There are loan modification companies out there who actually do the work they are promising to do and all it takes is some research to find the right one.

 

OUR SUGGESTIONS TO FINDING THE RIGHT LOAN MOD COMPANY

 

 

  1. MAKE SURE THE PERSON YOU ARE DEALING WITH HAS A PHYSICAL BUSINESS ADDRESS AND BUSINESS PHONE NUMBER.
  2. GET COPIES OF RECENTLY NEGOTIATED LOAN MODIFICATION AGREEMENTS TO PROVE THEY CAN DO THE JOB
  3. DO NOT PAY A LARGE UPFRONT FEE…A SMALL FEE IS OKAY BUT IT SHOULD COME WITH A MONEY-BACK GUARANTEE IF THE MOD IS NOT SUCCESSFUL
  4. MAKE SURE THE COMPANY YOU ARE USING HAS AN ONLINE TRACKING SYSTEM SO YOU CAN SEE THE PROGRESS OF YOUR LOAN MODIFICATION AT ALL TIMES
  5. MAKE SURE YOU MEET THE COMPANY AT THEIR OFFICE AND SEE THAT THEY ARE CONDUCTING BUSINESS (GET TO KNOW THE COMPANY)
  6. GET REFERRALS AND TESTIMONIALS TO VERIFY COMPANIES HISTORY

  7. GET COPIES OF ALL PAPERWORK THAT OUTLINES THE BUSINESS RELATIONSHIP

 

 

WHAT MAKES ADJUSTMYLOAN.COM DIFFERENT

 

First and most importantly, we are a full-service (brick and mortar) loan modification company that has been negotiating loan modifications and short sales in Phoenix, Arizona for over 5 years.  Our parent company is a member of the Better Business Bureau with zero complaints and can show you completed loan modification agreements between us and almost ever major lender.  We are fully transparent and do not hide behind a corporate slogan…we invite you to get to know us in person or through our many videos on our website www.AdjustMyLoan.com.  Our website, back-office tracking system, and negotiating processes are unique to us and designed to keep you educated and informed of your loan modifications progress from start to finish.  NO OTHER LOAN MODIFICATION COMPANY HAS THE EXPERIENCE, INTEGRITY, AND PROCESSES WE HAVE HERE AT ADJUST MY LOAN.  We invite you to get to know us and our professional Loan Modification staff.  Lastly, we DO NOT CHARGE any expensive upfront fees for our loan mod service and always offer free consultations to see if you qualify!

 

 

AdjustMyLoan Phone Number

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Posted in ADJUSTMYLOAN.COM, LOAN MODIFICATION, loan modification help, loan modification information | 1 Comment »

Foreclosures Rise First Quarter 2009: Loan Modification Is A Solution!

Saturday, April 18th, 2009

Loan Modification

Foreclosures Rise First Quarter 2009: Loan Modification Is A Solution! 

 

Below is an article talking about how the foreclosure rate has surged in the first quarter of 2009. The temporary foreclosure halt of most major lenders, as well as Fannie and Freddie Mac at the end of last year is now over. More and more foreclosures are being filed and every homeowner in trouble of paying their mortgage payment is wanting to know whether or not the Obama “Making Homes Affordable” plan is going to help save their home! The stressful situation they are in is not uncommon and even though the government preaches to call the lender and work out a modification yourself sounds like the politically correct thing to say, it is not that easy to navigate the maze of automated phone systems and outsourced customer service centers that your lenders utilize. Getting professional help is a great option that way you can focus on making more money and spending time with your family and not worrying about negotiating with your lender(s)!

 

The Loan Modification Experts at adjustmyloan.com have negotiated hundreds of loan modifications and short sales for homeowners over the last few years. We are highly educated, loss mitigation specialists that have the training, systems, and energy to go after your lenders to get you the best loan terms possible. Trust, integrity, and honor are the core beliefs of our company and every one of our employees puts the customer’s needs first which is easy to see from the first conversation you have with our experts. We invite you to call us at 1-800-557-7573 and get a FREE LOAN MODIFICATION CONSULTATION from one of our loan mod consultants today.

 

Adjust My Loan Phone Number

 

The Following Article Was Taken From MSNBC.MSN.COM

Foreclosure actions surge in the first quarter

Upcoming big unknown: Will Obama mortgage relief help reverse trend?

 

WASHINGTON - The number of American households threatened with losing their homes grew 24 percent in the first three months of this year and is poised to rise further as major lenders restart foreclosures after a temporary break, according to data released Thursday.

 

The big unknown for the coming months, however, is President Barack Obama’s plan to help up to 9 million borrowers avoid foreclosure through refinanced mortgages or modified loans. The Obama administration expects its plans to make a big dent in the foreclosure crisis. But it remains to be seen whether the lending industry will fully embrace it, despite $75 billion in incentive payments.

 

The faltering economy is causing the housing crisis to spread. Nationwide, nearly 804,000 homes received at least one foreclosure-related notice from January through March, up from about 650,000 in the same time period a year earlier, according to RealtyTrac Inc., a foreclosure listing firm.

 

In March, more than 340,000 properties were affected, up 17 percent from February and 46 percent from a year earlier.

 

Foreclosures “came back with a vengeance” last month and are likely to keep rising, said Rick Sharga, RealtyTrac’s senior vice president for marketing.

 

Nearly 191,000 properties completed the foreclosure process and were repossessed by banks in the quarter. While the number was down 13 percent from the fourth quarter of last year, it is expected to rise through the summer and then possibly taper off.

 

Fannie Mae and Freddie Mac, the big mortgage finance companies, together with many banks had temporarily halted foreclosures in advance of Obama’s plan. Now armed with the details about which borrowers can qualify, the mortgage industry has begun foreclosing on ineligible borrowers.

 

The Treasury Department has signed contracts with six big loan servicing companies - including Citgroup, Wells Fargo and JPMorgan Chase. Many have already started processing loans as part of the government’s “Making Home Affordable” plan.

 

“We need to get the long-term solutions for these folks,” Shaun Donovan, Obama’s housing secretary, said in an interview.

 

In the coming months, Donovan said, there are still likely to be increased foreclosures, especially from vacant houses, second homes and those owned by speculators. None of those properties will qualify for a loan modification. However, he remained optimistic that overall foreclosures could start to decrease this summer.

 

But even industry executives who emphatically support the plan emphasize that it’s success isn’t guaranteed.

 

“The effectiveness of the plan overall obviously is going to depend on the level of industry participation,” said Paul Koches, general counsel of Ocwen Financial, which collects loan payments on subprime loans.

 

Many borrowers and consumer groups claim the modifications offered by the lending industry don’t do enough to help cash-strapped homeowners, despite more than a year of public prodding from regulators. Fewer than half of loan modifications made at the end of last year actually reduced borrowers’ payments by more than 10 percent, data released last month show.

 

Plus, the lending industry has been swamped by the unprecedented wave of calls from distressed borrowers. “You can’t wave a magic wand and make the loans suddenly modified,” Sharga said. “They’re all individual transactions.”

 

In RealtyTrac’s report, Nevada, Arizona, California and Florida had the nation’s top foreclosure rates. In Nevada, one in every 27 homes received a foreclosure filing, while the number was one in every 54 in Arizona. Rounding out the top 10 were Illinois, Michigan, Georgia, Idaho, Utah and Oregon.

 

updated 4:13 p.m. MT, Thurs., April 16, 2009
FOR A FREE LOAN MODIFICATION CONSULTATION CALL:
AdjustMyLoan Contact Phone Number

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LOAN MODIFICATION COMPANY WITH INTEGRITY

Saturday, January 31st, 2009

Loan Modifications With Integrity

HOW TO RUN A LOAN MODIFICATION BUSINESS WITH HONOR AND INTEGRITY!

 

This is Cody Sperber one of the managers of www.AdjustMyLoan.com.  I created this post because I have had the concept of “running a loan modification business with honor and integrity” on my mind and I thought it would be a good idea to share some of the core beliefs we believe in at AdjustMyLoan.com with you (our potential client).

 

With the news constantly looking for a worthy story, and many fly-by-night loan modification companies popping up everywhere, I feel like we (meaning everyone who does loan modifications) get pegged into the same corner as vultures who take advantage of homeowners facing major financial difficulties.  And even though there are many who do take advantage of the situation, there are a few companies like AdjustMyLoan.com that are trying to position themselves to provide a valuable service with full disclosure and a pay system that protects both the homeowners and us as businessmen.  We believe we have created a check and balance system that all Loan Modification companies should mirror if they are going to do business self regulated, ethical, and legal!  We have taken some of our concepts from the Better Business Bureau as well as the United States Navy (which I am proud to have served for).  We have researched the most aggressive foreclosure rules and laws (which happen to be in California and Florida), and implemented them into our contracts even though the great state of Arizona does not enforce these strict policies.  Below is a list of responsible and ethical practices found at AdjustMyLoan.com that we wanted to share with you:

 

  1. We are not in the business of coaching homeowners.  We empower them through education of their situation and possible solutions.  If any of our employees gets caught coaching homeowners to not make mortgage payments etc…then we let them go immediatly.  We constently have training of how to interact with homeowners and their questions.
  2. We offer FREE LOAN MODIFICATION CONSULTATIONS and charge NO UPFRONT FEES for our Arizona Loan Modification Service.  We utilize FIDELITY NATIONAL TITLE to create an escrow account and escrow the money homeowners give us until we perform the services outlined in our contract.  If we fail to perform, then the money automatically gets refunded to the client with no questions asked.
  3. Our contracts are clear and to the point.  We have a 3 day right of recession policy and we clearly outline our services and explain when it is that we will earn our money.
  4. We have a standard fee we charge for our services and do not charge a percentage of the loan balance like some companies.
  5. We are a member of the Better Business Bureau, D&B, and have a strict privacy policy where we do not rent or share any information with third parties without full disclosure and permission.  Our offices are kept secured and only files we are actively working on are taken out of their locked file drawers.
  6. We own the building that we are in (brick and mortar) and do not go to homeowners houses to sign people up at their kitchen tables!
  7. Our management constantly has training from our legal counsel to keep us up to date on current foreclosure rules and laws.
  8. Our employees were recruited directly from the banks we are negotiating with and go through extensive training before working on client cases.
  9. Lastly, we only accept clients whom we truly believe we can modify their loan(s) for.  We are not a chop shop that takes on any file that comes through the door only to throw it against the wall to see what sticks.  We carefully pre-qualify all potential files before acceptance into our program.

 

In the end, integrity is a core concept that either a business centers itself around or completely ignores.  There is no middle ground or grey area in the loan modification business.  The talented Arizona Loan Modification Professionals at AdjustMyLoan.com want to earn your trust as well as your business and show you what an ethical loan modification company looks like.

 

CALL US TODAY FOR YOUR FREE LOAN MODIFICATION CONSULTATION

 

 

 

AdjustMyLoan.com Contact Info

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LOAN MODIFICATION INFORMATION

Saturday, January 17th, 2009

loan-modification-information

Below are a few advantages of a Loan Modification, as well as general qualifications to get accepted in a Loan Modification Program.  We put this list of Loan Modification Information together to help you understand what most banks are looking for before they choose to proceed with a work-out plan!  If you are considering conducting a Loan Modification, www.AdjustMyLoan.com would love to earn your business.  We offer FREE LOAN MODIFICATION CONSULTATIONS and can let you know quickly if we think their is a solution to your housing problem.  Call our toll free phone number 1-800-557-7573 today and get the professional help you deserve.

 loan-modification-facts 

Loan Modification Contact Information

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LOSS MITIGATION PHONE NUMBERS

Monday, November 17th, 2008

 loss mitigation contact list

Lender/Servicer Loss Mitigation Phone Numbers & Contact Information

 

Below is a Loss Mitigation Phone Number List in alphabetical order.  If you are a homeowner and are facing foreclosure, or trying to do a short sale or LOAN MODIFICATION, use this list to contact your lender and ask for help.  At AdjustMyLoan.com we believe that your foreclosure can be avoided if you are proactive and contact your lender(s).  Many times you will learn about programs that your lender(s) may have that you never even knew existed.  Only if your lender drops the ball and gives you the run-a-round or is ignoring your requests should you need a professional LOAN MODIFICATION COMPANY like AdjustMyLoan.com!

 

ABM AMRO Mortgage (800) 783-8900
Web: https://www.mortgage.com/C3/application.bus

Accredited Home Lenders (877) 683-4466

AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173
Web: https://www.myamcloan.com/malwebapp/begin.do

American Home Mortgage Corp. (877) 304-3100*

Ameriquest Mortgage (Debt collection - see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com

Avelo Mortgage LLC (866) 992-8356*

Bank of America (800) 846-2222

BB&T Mortgage (800) 827-3722*

AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848

Central Pacific Bank (800) 342-8422*

Charter One (800) 234-6002

Chase (800) 446-8939
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey(800) 446-8939*Chevy Chase Bank(800) 933-9100*
Web: https://chaseonline.chase.com/chaseonline/logon/sso_logon.jsp?fromLoc=ALL&LOB=COLLogon

Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)

Chevy Chase Bank (800) 933-9100
Web: https://www.chevychasebank.com/htm/payment.html (Payment Addresses)

Citi Financial Mortgage (800) 753-3673

Citimortgage (800) 283-7918

Countrywide (800) 262-4218
https://customers.countrywide.com/se…t_login254.asp

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp. (800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358
Web: https://www.emcmortgageservicing.com/ccn/ccnsecurity.asp

EverBank (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489
Household Mortgage (Is now called HSBC Mortgage Services) (800) 365-6730

HSBC Mortgage Corp.(there is a difference between Mortgage Services and Corp. placed new number) (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web: http://us.hsbc.com/personal/mortgage

HSBC Mortgage (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web: http://us.hsbc.com/personal/mortgage/existing/difficulties.asp

Huntington National Bank (800) 323-4695

Indymac Bank (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))
Web: https://www.indymacbank.com/contactus/loanResolution.asp

Irwin Mortgage (888) 218-1988
P.O Box 7014
Pasadena, CA 91107

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Web: https://www.littonloan.com/index.asp

Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566
Web: https://www.mymidlandmortgage.com/MyMortgage/Login/Login.asp

Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com
Web: http://www.mlnusa.com/customers/info_credithelp.asp

Mortgage Electronic Registration Systems (888) 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner’s Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)
Web: http://www.nationalcitymortgage.com/service_assistance.asp

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now Carrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)
Web: https://myloan.newcentury.com/webapps/servicing/myloans/index.do

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Web: http://www.ocwencustomers.com/csc_fa.cfm

Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648
Web: http://www.oomc.com/servicing/servicing_baifaqs.asp

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518

ResMae Mortgage Corp. (877) 473-7623, ext. 5944

Saxon (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)
Web: http://www.spservicing.com/services/customer/loanresolution.htm

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003Web: https://www.suntrustmortgage.com/generalquestions.asp#

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfirld Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am - 10 pm EST Monday - Thursday)
(7 am - 9 pm EST Fridays)
(8 am - 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com

Web: http://www.waterfield.com/scripts/cgiip.exe/WService=wfg/pub/borrowerservices/delqasst

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT
Web: https://www.wellsfargo.com/mortgage/account/

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022
Web: http://www.wendover.com/borrowers.html

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday
Web: http://www.wfsg.com/borrower/borrower.aspx

*No direct line to the loss mitigation or loan modification department. But I am working on it

 

 

Loan Modification & Loan Workout Applications

Chase Loan Modification Application - Financial Statement

Option One Loan Modification Application

HSBC Online Loan Modification Application

Private Contacts

Wendy Knafelc at Washington Mutual Loss Mitigation: (904) 732-8425 - wendy.knafelc@wamv.net

 

 

HOMEOWNERS BIGGEST DOWNFALL IS THAT THEY DO NOT CONTACT THEIR LENDERS TO LEARN ABOUT THEIR OPTIONS.  EDUCATION ON YOUR SITUATION IS KEY AND LEARNING WHAT OPTIONS ARE AVAILABLE TO YOU IS THE FIRST STEP WHEN TRYING TO STOP FORECLOSURE AND SAVE YOUR HOME.  AT WWW.ADJUSTMYLOAN.COM, WE BELIEVE THAT MOST FORECLOSURES COULD BE AVOIDED IF THE HOMEOWNER JUST CONTACTED THEIR LENDER AND TRIED TO GET A REASONABLE WORKOUT PLAN.  ONLY IF THE WORKOUT PLAN DOES NOT WORK, OR IF YOUR LENDER IS GIVING YOU THE RUN AROUND SHOULD YOU CONTACT US!  OUR PROFESSIONAL LOAN MODIFICATION EXPERTS CAN HELP YOU PACKAGE, PROPOSE, AND NEGOTIATE A LOAN MODIFICATION ON YOUR BEHALF.  OUR RELATIONSHIPS WITH MOST MAJOR LENDERS, ALONG WITH OUR LOAN MODIFICATION NEGOTIATION EXPERIENCE GIVES US AN ADVANTAGE OVER TRYING TO DO IT YOURSELF, AND LENDS TO GETTING THE JOB DONE.

 

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This Loss Mitigation Contact List is Courtesy of Moe Bedard

Stop Foreclosure

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Welcome To The New AdjustMyLoan.com Loan Modification Blog!

Wednesday, November 12th, 2008

loan-modification-welcome1

We are excited to have our own Loan Modification Blog.  Expect tons of information about loan modifications, Loan Modification Programs, loan modification news, and loan modification laws all in one place!  With the current mortgage crisis engulfing America, homeowners need a trustworthy source they can turn to for loan modification information both on a state and federal level!   Education on the options available to you, as well as implementation strategies, will all be discussed within these posts.  Our loan modification programs have helped hundreds of homeowners avoid foreclosure, save their credit, stay in their homes, and lower their monthly mortgage payments.  The tips, advice, and techniques we give are derived from real world  experiences when negotiating with various lenders loss mitigation departments.   www.AdjustMyLoan.com should be your loan modification resource for any and all loan modification information.

LOCAL PHONE NUMBER 480-968-5626

LOCAL PHONE NUMBER 480-968-5626

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