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Why
Get an Attorney?
Attorney groups are generally
90% successful at completing loan
modifications.
M123
is
monitored and supervised by the US Dept of Justice. We are
proven 97%
successful,
and take only 30-60 days. The
terms of our loan mods are better than a homeowner can get on their
own, with
a
resulting
interest rate reduction, loan principal reduced, lower payments,
foreclosures stopped, and with terms that the homeowner
can
continue
to
make
their
payments. We
know
the
'Approved
Advocate' to negotiate with at every lender. Our weekly
follow-up calls
do not
get put on hold. Our
fee
justifies
itself
typically in
four to six months.
All of this with our
no-risk guarantee.
The consultation is free. I do not
take your money and I don't take any ID sensitive information. My
task is to qualify you for our
mortgage loan modification. After you qualify and have trust in our
process, you may choose to pay the attorney and our No-Risk Guarantee
will be
spelled out precisely. (When did you ever see a reputable attorney
operate any
other way!)
Less
experienced
loan
modifiers
do not know who to talk to at the various
lenders. Because of that, some lenders may disguise a refinance offer
as a modification.
The offer you may get from your current lender is assuredly a refinance
offer. Refinance is not as beneficial as
modification. (See President Obama's advice at the bottom of this
page.) The homeowner then suffers a
less-than-optimum mortgage loan
'modification' settlement. M123 has 'Approved Advocates' assigned to
our
attorneys at all of the lenders so this does not happen to you.
You are assured of the best modification available to you
because of our huge volume and legal professionalism.
The homeowner must
understand; there is no motivation for your lender to modify your
mortgage. Our job is
to
convince your
lender that it is in their best interest to modify your
mortgage. We do this in a package convenient to your specific lender.
The more I surf the web,
read blog posts and talk to my prospective clients, the more I'm amazed
at the emotional belief and feeling that "My lender
cares about
me." No, they don't. They're paid to care about the financial health of
their bank. Your personal banker is not going to modify your loan. An
underwriter, bean counter in a dark, dank back room with a
smoke-belching
calculator is going to consider
modifying your loan. The 'numbers'
must make sense to the bean counter. Your 'hardship letter' will polish
off your application. (We show you how to write that too.) No one can
do a better job of talking an underwriter's language than a qualified
attorney. (I knew I could never do that. That's why I'm here.)
When you contract us,
you
get your mortgage modification application to the front of the line.
Our attorneys keep your application on top of the stack of files at
your lender. Our calls do not
get put on hold. The terms we
get for your loan modification easily pays for our fee, usually in
about four months.
We all
know that we can represent ourselves in court, but we would never trust
ourselves to do that, because we know that a reputable
attorney will do a much better job. The same holds true for loan
modifications and for something as important as keeping and rescuing
your home today.
I represent two companies that:
1. Are national firms and
supervised by the US Dept of Justice.
2. Are attorney-based or a Law
Firm who oversees the files or does the actual negotiating.
3. Have proof of success
4. Have passed my legitimacy
test (scam free, and researched thoroughly through reliable resources,
contracts reviewed, and imperative questions answered)
5. Have reasonable fees and
have a Money Back Guarantee
6. Have the clients' best
interest in mind
7. Are structured and organized
8. Are in compliance with
federal regulations and guidelines
9. Are helping homeowners in
the State you reside in
This is what we do for our
clients:
Analyze your situation
and take an application to see if you qualify for free. We will not
accept any funds until we have issued an approval which means your file
has been underwritten and our attorneys agree to take on your case. Our
Attorneys legally place the foreclosure process on pause. Increased
time to sell or rebuild your financial situation is an inherent benefit
(Sometimes we are able to freeze your payments for up to 6 months
depending on your hardship.)
Help stop harassing phone
calls (tell your lender to contact your attorney who will speak on your
behalf). Formulate a plan that fits within your budget
(reduced rate, 30-40 year fixed term). Work to have missed payments
moved to
end of the loan
Work with your lender to
provide you with the best modification that fits within
your budget.
Work to reduce or eliminate 2nd or 3rd mortgage, or ask for a principle
reduction if you owe more than your loan amount. To keep your family in
your home and avoid displacement. To do everything possible to work out
a solution. We have intimate access to any lender. We will then talk to
you about
some other foreclosure prevention options that are available to you.
Our mission is for you to keep your home, but this may not be
beneficial to everyone.
Provide you with a money back
guarantee. If for some reason we are unable to work out a solution that
improves your current situation (which is about 2% after being approved
though our 12 step approval process), no questions asked!
Our fees are dependant on the
number of liens you have. Each are negotiated separately.
Various lenders have different
levels of competence at modification and understanding the modification
rules. After we know who your lender is, we can estimate how long it
will take them to see the light.
Mods123 and CFPG are
structured to
help homeowners. To help the
homeowner in
distress. To back up the the guy
who helps the homeowner in
distress (That'd be me. My
name is Chris Dix). To
help our
economy as a whole.
Foreclosure?
Hell, I'm gonna shoot something! 
Foreclosure
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