Let Us Help with The Paperwork

We understand the “Hope Now” program and will be able to answer all of your questions and more importantly, get the process started.  The quicker we get started the quicker you can achieve peace of mind and keep your family in your home.

Contact us today and we will set up a face to face appointment with you at a convenient time and location.  Once we meet and discuss your circumstances we will provide you insight on the entire process, a check list to guide you through collecting the necessary items needed to start the paperwork.

The paperwork  may seem overwhelming, but that it why you have selected HLM,LLC,! Remember, we are the experts who can and will get you through the Home Loan Modification process.

What exactly is a loan modification?

A loan modification is a permanent change in one or more terms of a home loan.  The loan modification process allows the loan to be reinstated, and can include an interest rate reduction, a longer loan term, principal reduction, forgiveness of delinquent payments or a combination of all four.  Bottom line, a successful loan modification should lower your monthly payment and ease your financial problems.

What can I expect from a loan modification?

Lowered monthly payments

Interest rates reduced to 2%-6.5%

Home ownership preservation

30 yr fixed terms

Partially or completely deferred past payments

Credit preservation

Reduced principal balance