LOAN MODIFICATION |The way to go to lower your payment!

With current market conditions the time to pencil out a better deal is now!

A loan modification is the best way to go to lower your payment and there has never been a better time to act. If you are already behind on your mortgage it is a far better alternative to foreclosure and the cost, heartache and upheaval of moving. FMC Services can help you avoid ever having a mortgage default or foreclosure on your credit which could follow you and hinder your plans in the future. We find that a mortgage modification is the preferred way to go for both borrowers and lenders.

Lender asset sheets are already heavily burdened with loans in default, losses at auction and lender REO (Real-Estate-Owned) properties that don't sell and are a toxic liability on their books. Lenders realize that allowing defaults comes at high cost and would rather work out home loan modifications. There are numerous assistance programs available such as "hope for homeowners" that we can help you take advantage of, however in order to be approved and get your modification you have to qualify!

This is not the same qualifying guidelines as for financing or refinancing. Many homeowners are very surprised to find that the invitation to work directly with their lender only resulted in a modification denial! You were under-qualified, you were over-qualified, this t was not crossed, this i was not dotted, your paperwork was not in order, you missed getting a document in on time, a document was missing, you did not negotiate well, sorry. Denials are happening more often than you can imagine.

For most people trying to get a modification is a very long, tedious process and after going through it all, it is not uncommon for a borrower working directly with their lender to get "turned down" or denied which for some really can be disastrous and end in a foreclosure sale of their property by their lender.

And many of those actually helped under free counseling programs reached workout arrangements that were nothing more than "repayment plans." In other words, you make a payment and a half until you are caught up. Those actually getting modifications have fallen way short of the initial promises made. As is often said, "when its free you get what you pay for."

So why should you use our services? We get your loan mod approved! And we spare you the drudgery and endless waits on the phone throughout the entire lengthy modification process. Although the final decision is always up to the lender, we make sure all of your paperwork is in proper order and we negotiate diligently on your behalf to greatly improve your chances for the best possible outcome.

Even if you are current on your mortgage, even if you still have good credit and you could possibly refinance, why incur all the expense? Refinancing could cost you tens of thousands of dollars in closing costs and points, not to mention the higher than a loan mod interest rate that you will surely being paying if you are approved for a refi.

With a refi even with the lender rolling those costs into your new mortgage, so you supposedly have nothing out of pocket, you are still ultimately paying for those costs and for that matter, with interest. And guess what, if in the end your appraisal does not come in at a sufficient value per the new stricter guidelines, you have just wasted your time. If that were not enough, you simply cannot get as low an interest rate with a refi as you can with a mortgage modification.

With the modification there are no appraisal fees, no closing costs and no points, and you don't have to have lots of equity and a good credit score.

Call or email us today to find out if a mortgage modification is right for you.

  Phone: 800-279-5122  Email: info@FMCsvcs.com  Online: Request Now!

Our professionals negotiators work directly with your lender in a diplomatic, very professional, non-confrontational way to secure a workout that reduces your monthly payments, interest rate and whenever possible secures easier terms.

In our troubled economy, many good people are finding it increasingly difficult to stay afloat and need mortgage modification help. They may not be skilled in negotiation and wisely would rather just hire a professional service to negotiate on their behalf.

FMC assists homeowners and also commercial property owners with practical professional analysis resulting in more successful outcomes and better modification deals for their clients. FMC presents your case and professionally negotiates to get you the best modification with regard to your circumstances.

Without a loan re-negotiation many commercial property owners may need to lay off employees, raise prices, or even close down as they struggle to meet their monthly financial obligations. Through FMC Services commercial property owners can get commercial modification help and avoid business failure and layoffs!

You should consider a loan mod if any of the reasons listed below may apply to you:

>  If you believe you are paying above market rates

>  If you are having difficulty making your monthly payments

>  If you are behind or may become late on your payments

>  If you have experienced a decrease in your income

>  If you're a business owner who has had a drop in business

>  If you had a temporary hardship

>  If you have received a notice of default or foreclosure

>  Even if you already attempted and failed to get a modification

Our professional negotiators will work diligently to get you a home loan mod or commercial modification approval and work to get the best possible results for you.

Phone: 800-279-5122  Email: info@FMCsvcs.com  Online: Request Now!

Call or email us today to find out if a modification is right for you.

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