Loan Modification Support
We package, submit, and escalate a complete mod request with the servicer so it actually gets reviewed.
How It Works
Triage
Scope arrears, escrow shortages, trial options, investor constraints.
Build the RMA
Income docs/4506-C/financials; correct hardship and DTI targeting.
Submit & track
Daily status, cure deficiencies before they stall the file.
Escalate/appeal
Supervisors, investor guidelines, state channels when appropriate.
What You Can Expect
- Real review instead of endless “missing documents” loops
- Clarity on trial payments vs. permanent mod
- If denied, a fast pivot to appeal or sale options
Document Checklist
- Income: paystubs, benefit letters, P&L (self-employed), bank statements
- Tax returns or 4506-C, hardship letter, monthly budget
- Property taxes, insurance declarations, HOA statement (if applicable)
Tip: If you don’t have everything, send what you do have — we’ll triage and request the rest.
FAQs
What if my mod was denied already?
We review the denial reason and re-submit or appeal with corrected data.
Do I need an attorney?
Not required for most servicer reviews; we coordinate with your attorney if you have one.
Will this stop my auction?
Sometimes; depends on timing and investor rules. We’ll advise the realistic path.
We’re not a law firm or HUD agency. We coordinate with approved counselors and your chosen attorney. Your situation is unique; timelines and outcomes vary.