paulaharvey.com - Empire Home Loan Corporation

You Have Options! We Can Help!!!

ARE YOU or
SOMEONE YOU KNOW
LOSING THEIR HOME
IN FORECLOSURE
RIGHT NOW?

Are you behind on your mortgage or soon to be? Are you worried you will lose your home? Is your lender refusing to accept your payments, or talk modification of your loan? Our Mortgage Modification Center provides the critical information and professional representation you need to put an end to your mortgage difficulties. With over 30 years of experience to draw on, we specialize in working with your lender(s) to restructure your current loan(s) by providing you with a unique, professional plan that you and your lender(s) can accept. The key to our success is constructing a financial plan that you and your lender can approve and, most importantly, that you are able to perform.

We really need to turn the Real Estate market around nationally, and the only way we are going to achieve this is by stopping the tide of the foreclosures. Having more homes hit the market is only driving our values down more.

I am very excited about a very Real Solution thru Loan Modifications. This is not a temporary fix but a permanent lowering of the interest rate and loan terms, and sometimes the loan balance to give homeowners a payment that they can afford again and NOT HAVE TO SELL their home!!! Please read on and find out more about it. If you know anyone in trouble with their mortgage, please share this site with them. I am very anxious to help as many people SAVE THEIR HOMES as possible.

Mortgage Modification Services

For many individuals that are facing the very real possibility of losing their home in foreclosure, this is indeed a scary time! The downturn in the Real Estate market is not only hurting those individuals that have had the misfortune to have their mortgage payments adjust beyond what they can handle, but it is also affecting hundreds of other individuals that have no problem making their house payments but are stuck with not being able to do what they wanted to do because they either have no equity in their home anymore or not enough to tap with a refinance.

Navigating the loan modification process can be overwhelming. We are experts in the mortgage industry and have established the relationships needed with note holders throughout the industry that are priceless when it comes to getting the results you are seeking. We have a goal to preserve home ownership for good hard working people during this wave of default and foreclosure that is sweeping across our great country. We only accept cases we believe we can win on your behalf, so you can rest easy knowing that you will be a priority in our organization!

Let us put our experience to work for you!

Loan Modification: We will assist you in supplying the appropriate information to your lender to negotiate the appropriate measures to modify the term(s) of your mortgage. There are costs and fees associated with a modification that you will be responsible for. All property taxes must be current or you must be participating in an approved payment plan with your taxing authority to be eligible for a modification. All requests are subject to your lender’s approval.

Repayment Plan: If you have incurred a short term financial hardship and your loan is two or more months past due, your loss mitigation specialist will also consider submitting a request for a payment plan to your lender for approval. Only after reviewing your financial situation will this option be considered. All clients must be able to show that they can afford this plan in order to be eligible.

Call me today at (916) 983-2401 for a free, no obligation evaluation to see if your mortgage can be modified. We do not want to buy your property…we do not want to list your home…WE WANT TO HELP YOU KEEP AND STAY IN THE HOME YOU LOVE!   Contact us today!

Success Stories!!!

Before Modification             After Modification

Example #1

Balance = $275,000.00                     Balance = $275,000.00

Interest rate = 8.41% (Adj.)                Interest rate = 4.50% (F.R.)

Loan term = 30 years                         Loan term = 40 years

Monthly payment = $2,096.99           Monthly payment = $1,236.30

Example #2

Balance = $675,000.00                     Balance = $675,000.00

Interest rate = 7.875% (Adj.)              Interest rate = 6.00% (F.R.)

Loan term = 30 years                        Loan term = 30 years

Monthly payment = $4,894.22          Monthly payment = $4,046.97
                                                         (With I/O option for 5 years)

Example #3

Balance = $165,000.00                      Balance = $165,000.00

Interest rate = 8.125% (Adj.)               Interest rate = 5.875% (F.R.)

Loan term = 20 years                         Loan term = 30 years

Monthly payment = $1,392.99           Monthly payment = $976.04
                                                          (Client received 6 month abatement
                                                          with zero payment for first six
                                                           months of modification.)

Note: These are examples only and do not reflect any projection of what any one individual modification may be. This represents no warranty or guarantee of results.

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