1. Call us for a no cost, no obligation consultation with one of our Loss Mitigation Specialists.  Our Specialist will need to know the specifics of your unique circumstances.

   2. If you qualify for the loan modification program, we will schedule an appointment at your convenience to develop your personal financial profile.

   3. We will then construct a formal loan modification proposal based on your income and expense records.

   4. We will submit your personal financial profile along with the formal loan modification proposal to your lender(s).

   5. These negotiations could take between 60 and 120 days to complete, sometimes longer.  If the Public Trustee Sale Date for your home is approaching while we are in negotiations, we will request (and we are usually granted) any necessary sale date extensions.

   6. We will keep you informed throughout the negotiation process.  The lender may require additional and/or updated financials during this period.  Once a decision is reached, we will meet with you to review the terms of the agreement and to assist you in implementing those terms.

      (NOTE:  You will be able to access our web site for regular updates using your own personalized username and password if you prefer.)