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Loan Modifications
Some answers in a tough real estate market
If you would like to stay in your home, but need to reduce your payment or fix your interest at a low rate, you should talk to us about a Loan Modification.
Don't Do It!
Don't accept a loan modification from your bank(s) before talking to us! In most cases we are able to negotiate a more significant reduction on your behalf. We put our market expertise and negotiation experience to work for you, and the result is the best possible deal from the bank.
A Fixed, Low Rate
We not only negotiate to lower your payment with an interest rate cut, but we also work with your bank to fix your low rate for the term of the loan. In addition, sometimes we are able to negotiate a temporary rate even lower than your fixed rate.
Balance Reduction
In some cases, an interest rate adjustment is not enough! Sometimes, the lender must reduce the amount that you owe in order for a deal to make sense for you. This means that a portion of your debt is completely forgiven, or maintained as a "silent" balance at 0% interest.
Pay It Off
If you have an interest-only or negative amortization loan, you've been making huge payments without paying a dime towards your principle. We work with your lender to negotiate a fully amortized loan-so you're paying it off while still reducing your payments!
Minimize the Impact to your Credit
Part of our negotiations with your bank is minimizing the impact a modification will have on your credit file. Before you ever agree to a modification with us, we will let you know how your bank has agreed to report the change to credit bureaus. In some cases, they report no change at all!
Why Would My Bank Do This?
Let's face it-we are in an unprecedented real estate correction and millions of Americans have walked away from their homes. Banks take an enormous loss when someone forecloses or short-sales their home, plus there is tremendous political pressure to keep people in their homes. Your bank would prefer to adjust your loan and keep you as a customer if they can, rather than strain your finances to the point where you might walk away.
No Up-Front Fee
Regardless of your situation, now is the time to have us talk to your bank. The nation is in crisis, there is federal money available for loan modifications and you may be able to benefit from it. In addition, there is NO REASON NOT TO HAVE US ASK!
• We charge NO FEE UP FRONT
• We NEVER make a deal with your bank without your full approval
• If we don't negotiate a modification that YOU APPROVE, you owe us nothing
Whether you're considering a Short Sale, Loan Modification or both, consider these points:
New Programs
You're not alone in your struggles, and the government has come out with new programs to assist Americans that need help with their mortgages. At Apex Properties, we stay on top of what programs are currently available so we can help our clients take advantage of new opportunities and assistance.
What is in YOUR best interest?
At Apex Properties, we are obsessed with this question. Whether we're working with you on a short sale or a loan modification, our first priority is negotiating the best possible outcome for our clients. We represent YOU and YOUR BEST INTEREST-Not the Banks!
Stop Harassing Phone Calls
The first thing we do for you as our client is authorize the bank to communicate with us so they stop harassing you! Once you have us on your side, we are the point of contact and the bank soon realizes they won't be taking advantage of you. If they do call, you have a great answer: "This is being handled by Apex Properties. Here is their number!"
No Risk
It's very simple: We only want to complete a transaction if it's in your best interest. You are never obligated to agree to a Loan Modification, and you don't owe us a fee until you're final approval of a Modification. If you don't get a modification that works for you--no problem! If you decide not to modify your loan at all, even after we sign our contract--no problem! The bottom line is that we only get paid when you accept a Modification.
Multiple Properties OK
Many of our clients didn't know they could take advantage of a short sale or loan modification when they owned multiple properties--many of which they obtained with owner-occupied loans. The bottom line is that we can negotiate multiple properties for you. There are some limitations and differences, so please give us a call for details.
Many people are struggling with what to do in today's market, whether they're falling behind on payments or feeling the stress of a huge mortgage on a property that's worth much less. You may be getting bombarded with advice and pressure from all different directions, but what you need is reliable information so YOU can make the best decision for your future and financial well-being.
At Apex Properties, our first goal is to discuss ALL of your available options so you can make the best choice-regardless of whether you'll need our services or not. If you decide to use one of our programs, it becomes our job to make the experience as EASY and STRESS-FREE as possible while maximizing your benefit. Our clients tell us that making the choice to go with Apex Properties was the best move they ever made-Knowing that a professional is handling the situation takes a huge burden off of you!
Whether you're interested in a short sale, loan modification or another option, time is of the essence. Don't put-off a no-pressure meeting to look at your options. Once you know what choices are available to you, you're one step closer to moving on with your life with a much brighter financial future! We are honest, up-front, experienced, and have a sincere desire to help our clients.
Call or email us today if you have questions or would like to schedule a no-pressure and confidential meeting.
866-786-4098 Toll Free
805-786-4098 Local
info@apexproperties.net
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