We are a boutique firm helping our clients, one client at a time, one step at a time. We know and care about every client’s situation. We do what is in the best interest of our clients – always!

We answer our calls and you’ll know us on a first name basis.

We help by lowering your monthly mortgage payments, settling your 2nd mortgage for less than half of what you owe, or helping to negotiate a short sale.

We have expertise with almost every lender and their guidelines. We’ve done 100′s of successful modifications and settlements – likely in your neighborhood.

We are completely compliant with all California and Federal laws so if you’re trying to stop or postpone a foreclosure sale date don’t hesitate to call us.

We care! Our services are non-advance and very reasonable but not free. Unless you are speaking to HUD or directly with your lender be cautious regarding free services. It takes considerable time to prepare financials, get through to negotiators and finally get a successful outcome. Often 100′s of hours of work go into a file over many many months.

What is the harm in someone offering a service for free…. No harm…. except…..It is likely a bait and switch, they are pushing for a short sale through ineffective representation, or you may be directed to a legal service eventually at a fee, to name a couple reasons…. don’t be oversold.

Currently success rates with people trying on their own or with HUD’s help is approximately 7%. The legitimate law firms are seeing approximately a 70% success rate down considerably from last year. In a successful mod/refi(MHA, HAMP, HARP) our clients are seeing often well over $250,000 in less interest payments over 30 years. A successful mod/refi/settlement can be a life changing event for a family.

The lenders are very reluctant to do modifications for many reasons: high payment failure rate; they don’t like sub performing notes on their books; they want to cash out of their note positions through short sales or foreclosures. They often have little or no interest in helping homeowners.

Click on any of the items below to see more information and actual modifications and settlements we’ve negotiated.

CALL US FOR A FREE CONSULTATION!

Please contact www.hud.gov for more information on free options.

WE ARE HERE TO HELP!!! We are effective, successful and provide great service! ***