Mortgage meltdown Help is on the way.

Mortgage behind?

Feeling insecure?

The statistics are 1 in 8 are behind in there mortgage.

Its everywhere. Greedy Banks and loan officers pushed bad loans.

Builders forgot to have the home on the loan doc,s now your 20K behind.

Unemployment and Illness have come to many.

I can Help.

This heat map illustrates the Foreclosures by state. Its date March 18th.

Your not alone.

The data from RealityTrac communicates 1 of 8 homes are in some stage of foreclosure.

What can you do?

Call me.

I will assist you through the complicated paperwork of the government home owners mortgage

assistance program.

Why pay thousands with lawyers when for a few hundred dollars a business solution will do.

This quote from the WALL STREET JOURNAL suggest credit problems from the loan modification.

I can remove the comment in most cases.

However when it comes between losing a home and a credit blemish take the blemish.

I will work on repairing your credit after your home is secure.

This year, the Obama administration began pushing so-called loan modifications as a way to keep millions of Americans in their homes as real-estate values plunged and unemployment soared. Under the government's Home Affordable Modification Program, or HAMP, the lender agrees to adjust the terms of the loan, in most cases by temporarily lowering the interest rate or extending the period in which the loan must be repaid, both of which serve to lower the monthly payment. Mortgage companies also have their own programs for borrowers who don't qualify for the government program.

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Generally, loan mods are designed for homeowners who are currently experiencing financial distress or are at imminent risk of default. You don't have to be behind on your payments in order to qualify, although many are. Borrowers who enter the program could, for example, be in an adjustable-rate mortgage or an interest-only mortgage and may struggle to keep current on payments when their rates reset.

Yet many homeowners report difficulties modifying a loan because of conflicting advice from front-line employees at the mortgage companies, processing delays and lost paperwork, among other things. Even worse, lenders may report the modifications to credit bureaus in ways that can hurt a good credit history—and make it more difficult to repair a damaged one. A damaged credit history can mar borrowers' ability to qualify for new credit or may prompt current lenders to cut existing credit lines.

I will work on your credit after your home and you are safe.

Thanks for reading

Wiliam T. Haak MA. MFCT. LPT.all

Call me

9am to 9pm

512-554-1615