Las Vegas Loan Modification
We are committed to helping Las Vegas residents protect their families and keep their homes through firm negotiations with lenders. Lenders are hesitant to modify mortgage terms when they have the ability to liquidate valuable homes. This is the reason that loan modifications can be difficult, and is the reason you need Naimi & Dilbeck.
A Loan Modification will:
• Avoid Foreclosure
• Lower Monthly Payments
• Reduce Your Balance
• Lower Interest Rates
• Stabilize Your Adjustable Rate
• Re-Amortize to Cure Arrearages
• Waive Negative Interest
• Get Extensions on Payments
Why Hire A Loan Modification Attorney?
Fighting for a home loan modification is very much like many other legal matters...you may convince yourself you are saving money by representing yourself, but in fact you can save yourself a lot of time, money, and stress, not to mention avoid a poor outcome, by retaining professional representation to get the best results possible. With professional representation, your case will be taken more seriously by lenders, and lenders will not be able to use greater legal knowledge to their advantage.
Through our loan modification process, we will analyze every relevant aspect of your finances, prepare the documents which must be submitted to your lender, and then engage your lender in negotiating new terms for your mortgage. Our firm will be prepared with the legal knowledge, documents, and negotiation techniques that will maximize your results.
Additionally, if you have already received a Notice of Default on your mortgage, you qualify for Nevada's new Foreclosure Mediation program, which forces your lender to sit down in an effort to achieve modified terms to your mortgage. This is a great opportunity to achieve modified terms, but if you go into the mediation unprepared for the questions and arguments of your lender's attorney, your outcome will likely be poor. We are helping Las Vegas and Nevada residents navigate the mediation process and achieve outstanding results.
You must be proactive! The longer you wait to address a default situation, the more difficult it becomes to get you a loan payment you can afford. To ignore the situation and just let a house go into foreclosure can be a huge mistake, and can result in a mortgage deficiency which could haunt you for years.
What To Do Right Now:
1. Call us today to set up a Free Consultation. 866-656-4758.
2. Gather the following documents:
• Current 1st Mortgage Statement
• Current 2nd Mortgage Statement (if applicable)
• Your last 3 months of pay stubs for 1st and 2nd borrower
• Your two most recent Federal Income Tax Returns
• Your last 3 months bank statements
• Note on your 1st, 2nd, and 3rd mortgages and HELOC's
• Loan Application documents for the initial purchase (including TIL and GFE along with RESPA disclosures)
3. Relax. Once you make the decision to seek professional assistance, set an appointment, get organized, and gather all the necessary documents, you have made a giant step in the right direction and have increased your chances of avoiding foreclosure and staying in your home exponentially.
Call us today at 866-656-4758 to set up a FREE CONSULTATION or contact us via email with our online form.