Loan modification is the re-negotiation of the terms of your home loan with your lender in order to bring your mortgage payments down to an affordable level. Loan modifications are necessary when the original terms of a mortgage are no longer possible for the homeowner to meet and keep the home. Foreclosures are halted with loan modifications.

Loan modifications have become increasingly common in today's housing crisis. Millions of Americans can now renegotiate the terms of their original loans by contacting an attorney with the qualifications to engage in the process.

Ensminger Law Offices, P.C. can help. We are already doing loan modifications and helping those that haven't defaulted yet renegotiate the terms of their mortgages. Not everyone qualifies for loan modifications. The guidelines dictated in HASP are geared towards helping the most reliable and responsible borrowers.

If you think you might be qualified for a loan modification on your existing mortgage, please don't hesitate to call our office at 

(916) 434-0220 

or email at  trymel@ensmingerlaw.com