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Loan Modification by Green Leaf Legal Services

Life can be unpredictable and circumstances arise that can change your financial situation for the worst. Such life changes can happen to anyone, and are not a reflection on your character or honesty. We at Greenleaf Legal Services, LLC, are a group of legal and mortgage professionals who are dedicated to helping you achieve a prompt resolution to your mortgage related debt. We thoroughly research and analyze your financial situation, and determine options that will best solve your mortgage delinquency.  

For most clients, the most urgent goal is to help them keep their home at any cost. For others, it may mean easing the monthly payment burden and curing any outstanding delinquencies. There is no one solution for every person. We tailor our negotiations to achieve the best possible resolution on behalf of each client. While we can not guarantee a certain result, we are very confident of being able to work out the best result on your behalf to save your home and equity.

Some of the possible solutions may include: 

• A modification or restructuring of your current loan, which may involve a freeze or reduction in the interest rate and/or extension of the payment terms.
• A rate freeze is particularly helpful for those in adjustable rate mortgages.

There are also options available for those who can no longer afford their mortgages regardless of any possible modification, such as a short sale or deed in lieu of foreclosure to minimize the damage to your credit and prevent deficiencies .

Greenleaf Legal Services provides a unique advantage to the client, by the presence of in house legal counsel, who are familiar with the Federal mortgage statutes which consist of Truth in Lending and RESPA, both of which apply to mortgage companies and lenders. Most of the mortgage contracts in recent years, have some violation of either one or both of these Federal laws. Our in house attorneys will examine each contract and use any such violation as a leveraged incentive to compel the lender to restructure the loan so that it is more fair and reasonable.