Restructure Your Loan and Save Thousands

When you restructure your loan you are basically telling the lender that the terms are not fair and you need them changed now to avoid a financial crunch in the future.

Most lenders need more reason than the fact that a lower payment will be more affordable for you. The most effective way to get them to listen is to work with someone who specializes in this.

As you know, a loan is nothing more than a contract between you, the homeowner, and a lender for a promise to pay. What makes the contract unique is that it is secured by your home. In case you do not make the payments, the lender takes possession of your house.

Restructure Your Loan

Consider this – in 2002 – 2007, many lenders sold homeowners the dream of affording their own home without verifying at all whether or not the homeowners could financially pay. As a matter-of-fact, some if not most of the programs were so egregious that they charged the homeowner with bad credit and no assets high interest and fees (commonly called points) just to get in the home.

During this time, not only did the lenders extend loans to unqualified homeowners, but also violated lending laws such as RESPA, Regulation Z, and even Predatory Lending Laws to get them into a home.

Don’t think you can restructure your loan
?...Think again!

• Did the lender go out of their way to make sure you know that your adjustable rate mortgage may adjust at some point?


• Did the lender falsify your earnings to show that you made more money than you did?


• Did the lender give you high interest rates and verify that you’d be able to afford them?


• Were you given an estimate that showed all fees (even the fees earned as rebate by your loan officer) on your Good Faith Estimate or HUD-1?

Everyone wants to be in a home! Everyone wants to afford their own home. And the easiest thing to sell in America is the prospect of owning a home!

Restructure Your Loan

But homeownership is very expensive and due to the inordinate amount of profit that a lender can make in giving you a home loan, our government makes it hard for the LENDER to sell a home to just anyone.

In fact, the lenders have to go through an inordinate amount of scrutiny, follow strict laws, and ensure that the homeowner understands all the ramifications of owning a home before they ever issue money into escrow to close the transaction.

That means that there is a high probability that our attorneys can most likely find fault with your loan documents as well.

Restructure Your Loan

If that does in fact wind up being the case, they can threaten to sue your lender, stop foreclosure, reduce your principal, adjust your mortgage and/or get you more aggressive terms for your home loan than any other loan modification services on the market.

GET A FREE CONSULTATION AND SEE IF YOU QUALIFY FOR A LOAN RESTRUCTURING TODAY!

• Q: I’ve been hearing a lot of bad press about loan modification services. How do you account for the fact that many people collect our money upfront and then disappear with no results?
  
• A: This is the reason why our company will never collect any money from you upfront or “on the back”. We are a 100% FREE service to homeowners. We keep on top of attorneys to ensure that they are getting the results that we demand of them.
  
• Q: I’ve heard that loan modification companies can take houses from under people since they are signing power of attorneys and handing the “reigns” over to companies like Rewire.
  
• A: This may or may not be true, but in either case, we haven’t really seen it happen. You will NEVER sign a power of attorney with anyone from RewireMyLoan.com. We’re a free service. We don’t talk to your banks. Our top real estate attorneys do.
  
• Q: My loan has been sold to many other lenders – I don’t even have my own loan docs. Can you still help?
  
• A: Absolutely! Copies of your loan contract have to be maintained by various parties. We can access these, with your permission, at any point. Having said that, despite how many people "buy" your home loan contract, it is still subject to flaws upon origination. If someone gave you a loan contract and violated your Civil Rights, their selling of that contract doesn’t make the loan any more or less enforceable.
  

• Q: I am in foreclosure… what do I do?
  
• A:Contact us IMMEDIATELY! We’ll expedite your file and ask for the foreclosure to stop via our attorney to perform an audit of your loan docs.
  
• Q: Can I come meet with someone?
  
• A:If you are within the vicinity of one of our net branches, yes you are more than welcome to meet with us face to face. We have offices all over California and are soon expanding to the entire West Coast.
  
• Q: I live in the Midwest – can you still audit my loan?
  
• A: Yes, even if you live in the Midwest, we can audit your loan. Since we don’t have a net branch out there, you’ll have to trust our process through a voice on the phone and our paperwork in lieu of a face to face meeting.
  
• Q: You advertise your services for free. How are you in business?
  
• A: Our services ARE free for the homeowner. We let our attorneys pay us.
  

Restructure Your Loan

GET A FREE CONSULTATION AND SEE IF YOU QUALIFY TO RESTRUCTURE YOUR LOAN TODAY!

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