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Do You Want To Stay In Your Home?
We can help you RIGHT NOW!
910-399-6280
- If you have had credit problems.
- If you are facing or in foreclosure.
- If your house is worth less than what you owe.
- If you are behind on your mortgage payments.
- If you can no longer afford your mortgage payment.
- If you tried to refinance but have been turned down.
- If you can not sell your home because of a decrease in value.
A Professionally Negotiated Loan Modification Can Help You!
A Loan Modification changes your existing mortgage note and gives you a fresh new start in managing your home. We will negotiate with your lender to lower your interest rate and extend your loan for a longer period of time, modifying the loan amount to a more affordable level.
Your mortgage payments can also be brought current immediately which can improve your credit scores! If you cannot  catch up with the past-due amount on your mortgage, we will negotiate with your lender to fold any past-due amounts, including interest and escrow, into the unpaid principal balance.
A large number of clients will find themselves using a Loan Modification to stop a foreclosure on their home. Do not wait before it's too late. Let us American Credit Financial you get an affordable loan and get back on track so you can save your home.
Our experienced Loan Modification team will create a detailed financial analysis of your individual situation. We will mitigate on your behalf and demonstrate to your lender the only option is to give you a lower monthly payment, wipeout late payments and stop the foreclosure. We have been very successful in American Credit Financialing homeowners like you obtain an affordable mortgage payment, allowing them to keep their homes for years to come.
Our Commitment to You
At American Credit Financial, we treat our clients with courtesy and integrity. We guarantee realistic, honest financial advice that achieves results. We will lead you on a course to financial freedom. Our years of experience and notable expertise ensure that your financial future is in good hands.
American Credit Financial will handle EVERY aspect of your negotiation, and prepare a comprehensive Loan Modification package for your Lender, including but not limited to:
Financial Prospectus Workout.
Detailed to include all income, assets, and all payments you make, down to every cost. This allows a realistic view of your financial abilities
to be sure you can continue to make your home payments for years to come once your loan is restructured.
Full Financial Package prepared for your Lender including:
- Letter of hardship
- Cost/Benefit Analysis to your lender
- Homeowner's Financial Analysis verifying payments you can afford
Unlimited Negotiations with your existing lender and their attorneys
Loan Restructuring Proposal.
American Credit Financial requests specific terms for your new loan. Our request is carefully discussed with you so that you are happy with your new loan.
Representation on your behalf in dealings with your Lender
CMA. Comparative Market Analysis of your home. We also do a cross analysis of homes currently listed on the market and in foreclosure in your surrounding area.
Full-Time, one-on-one customer service for your Status Updates
THE LOAN MODIFICATION DECISION IS FAR FROM CUT AND DRIED. IT IS MAINLY AFFECTED BY HOW THE BORROWER PRESENTS THEIR CASE TO THE LENDER. American Credit Financial HAS THE EXPERIENCE AND EXPERTISE TO GET IT DONE RIGHT FOR YOU THE VERY FIRST TIME.
910-620-9500 Phone
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