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Mortgage Modification Lawyer Florida Georgia

Mortgage Modification Legislation

A Mortgage Modification  Helpline Lawyer can help you Avoid Foreclosure :

Our attorney referral service Mortgage Modification Lawyers can help. We will will connect you with a mortgage modification lawyer who knows the ins and out of the mortgage modification process.  Don't know the difference between a short sale and deed in lieu? Not sure if you qualify for the Making Home Affordable program? Need help adjusting a second mortgage? Needing to file Chapter 13 Bankruptcy?  Attorney  Mortgage modification lawyer referral Service is here to help.

The Making Home Affordable (MHA) Program is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today's homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth.  Attorney Referral Service Mortgage Modification lawyer Helpline is here for you

Making Home Affordable includes opportunities for homeowners to modify or refinance their mortgage to make their payments more affordable. The program has recently been expanded to help homeowners who are unemployed or “underwater” (they owe more on their mortgage than their home is worth). It also provides options for homeowners who can no longer afford their home and are interested in a short sale or deed-in-lieu of foreclosure.

There is no charge to apply for the Making Home Affordable Program. If you are struggling to pay your mortgage, you should contact your mortgage servicer—the company to which you pay your mortgage—to determine if you qualify for the program. A HUD-approved housing counselor can also work with you for free to help you determine if you are eligible and help you apply for the program

Home Affordable Mortgage Modification Program (HAMP)

Many homeowners are struggling to make their mortgage payments on time perhaps because their interest rate has increased or they have less income. HAMP reduces a homeowner’s monthly mortgage payment to 31 percent of their verified gross (pre-tax) income to make their payments more affordable. A mortgage modification specialist can help you understand these options.

To qualify for HAMP, you must:

  • Own a one- to four-unit home that is your primary residence;
  • Have received your mortgage on or before January 1, 2009;
  • Have a mortgage payment (including principal, interest, taxes, insurance, and homeowners association dues) that is more than 31 percent of your gross (pre-tax) monthly income; and
  • Owe an amount that is less than or equal to $729,750 on your first mortgage for a one–unit property (there are higher limits for two– to four– unit properties).

Homeowners who qualify for HAMP must complete a trial period of three or four months to demonstrate that they will be able to make their reduced payments on time before their mortgage will be permanently modified. To create an affordable payment, your mortgage servicer applies a series of modification steps in the following order:

  1. rate reduction to as low as two percent;
  2. term extension up to 40 years; and
  3. principal forbearance (or deferral).

Second Lien  Mortgage Modification Program (2MP)

Many homeowners may be struggling to make their monthly mortgage payments because they have a second lien. 2MP offers homeowners a way to lower payments on their second mortgage.

Under 2MP, if your first-lien mortgage was modified under HAMP and your second-lien mortgage servicer is a participant in 2MP, then your second-lien mortgage servicer may:

  • Reduce the interest rate to one percent for second liens that pay both principal and interest (amortizing);
  • Reduce the interest rate to two percent for interest-only second liens;
  • Extend the term of the second lien to 40 years;
  • If the principal was deferred (through forbearance)on the first lien, a servicer must forbear the same proportion on the second lien;
  • If the principal was forgiven on the first lien, a servicer must forgive the same proportion on the second lien; although a servicer may, in its discretion, forgive a larger portion or all of the second lien and will receive incentives for doing so.

As an alternative to a mortgage modification of the second lien, a 2MP participating servicer may elect to extinguish (forgive) your second lien in its entirety, in accordance with an investor servicing agreement.

Home Affordable Refinance Program (HARP)

Some homeowners may be able to pay their mortgages on time, but are not able to refinance to take advantage of today’s low interest rates perhaps due to a decrease in the value of their home. HARP assists homeowners whose mortgages are current and held by Fannie Mae or Freddie Mac refinance into a more affordable mortgage.

 Attorney referral service Mortgage modification lawyers will help determine if you may be eligible for HARP . You may qualify if :

  • Own a one- to four-unit home that is your primary residence;
  • Have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac;
  • Are current on your mortgage payments and have not been more than 30 days late making a payment within the past 12 months;
  • Have a first mortgage not exceeding 125 percent of the current market value of your home;
  • Have income sufficient to support the new mortgage payments; and
  • Can improve the long-term affordability or stability of your loan with the  Mortgage Modification refinance.

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