WHAT IS AN BANCO POPULAR LOAN MODIFICATION?

In its simplest form, an BANCO POPULAR LOAN MODIFICATION is a way to renegotiate your current mortgage and monthly payments allowing you to avoid foreclosure and maintain your credit. Many aspects of your mortgage can be changed to your benefit, including the term of the loan, interest rate, balance of principle, and monthly payments. It's even possible to have late fees waived. There are many opportunities opened through LOAN MODIFICATION and each home owner's situation is unique. A large number of homeowners will use a BANCO POPULAR LOAN MODIFICATION to prevent foreclosure on their home. For anyone who is unable to make their monthly payments, or is in danger of being buried under a past-due balance, a LOAN MODIFICATION is the perfect solutions to stopping foreclosure and keeping your home!


WHAT IS AN ATTORNEY-BASED LOAN MODIFICATION COMPANY?
There are many so called "LOAN MODIFICATION" companies out there that are simply NOT QUALIFIED to help you re-negotiate your current loan terms with your lender(s). Most are simply loan officers and brokers that can no longer do loans due to the current credit crisis so they began marketing themselves as "LOAN MODIFICATION EXPERTS". Anyone can package and propose a LOAN MODIFICATION to a bank even you...but do you really think the bank is just going to give you the best deal right away? Absolutely not...what you need is an Attorney to give you some legal teeth to go after your lender(s) and fight for the best loan terms possible! DON'T LEAVE ANY TERMS ON THE TABLE! What I mean by this is do not allow just anyone to conduct your LOAN MODIFICATION. Imagine the difference a few interest percentage (%) points can make on your monthly payment! Imagine being able to wipe out that negative equity you have and obtain a BALANCE REDUCTION on the principal amount you owe!

WWW.BANCOPOPULARLOANMODIFICATION.COM is an ATTORNEY BASED LOAN MODIFICATION COMPANY where your LOAN MODIFICATION is audited, packaged, proposed, and negotiated by an Attorney and his staff of PROFESSIONAL LOSS MITIGATION EXPERTS. This means you get the absolute best representation available, and a team of BANCO POPULAR LOAN MODIFICATION SPECIALISTS to fight for you!

 RECENT EXAMPLE OF A COMPLETED LOAN MODIFICATION:

 THE SET-UP:

Juan and Veronica Gonzales came to us and had a loan through WAMU. Their total monthly payment was $1645 per month with an interest rate on their first mortgage of 7.3% and an interest rate on their second mortgage of 8.25%...both were adjustable interest only mortgages.
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They were current on their payments, but were having to choose between food and gas or paying their mortgage payment. Their credit was shot due to a recent foreclosure on an investment property so they were not able to refinance, and Veronica lost her old job and it took three months for her to find a new one. They had money coming in and were confident they could afford to keep their home if they had a lower monthly payment!

THE SOLUTION:

Our in-house Attorney conducted a Forensic Loan Audit on their loans and found they had some RESPA and TIL violations. This combined with our expert loan modification experience got WAMU to lower their interest rates to 5.25% on the first and to 6% on the second. This lowered their monthly payment by over $475 dollars per month AND IT ONLY TOOK 60 DAYS!

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