My goal is to stop foreclosure proceedings and negotiate mortgage terms that will allow you to make payments and stay in your home. I can negotiate a loan modification that includes an interest rate reduction, reduction of principle, term extension (converting a 15-year loan to a 30-year loan), a complete loan program change (from an adjustable rate mortgage (ARM) to a fixed rate mortgage) or a combination of modifications.

Negotiate a mortgage modification

When I contact your lender to negotiate a mortgage loan modification, your case will receive the attention it deserves and the lender may quickly agree to a reasonable modification of your loan.

Negotiate a forbearance agreement

If you are, because of unavoidable circumstances, unable to make your payments and in default, I  will ask your lender to enter into a forbearance agreement while you restructure, refinance or modify your loan agreement. Even if you are delinquent and in default, I may arrange a temporary reduction of loan payments. Under the forbearance agreement, the lender will stop foreclosure proceedings while we negotiates a loan modification you can live with.

Arrange refinancing, a loan extension, a lower interest rate

The simplest solutions may be the best. A simple refinance or extension of the term of your mortgage loan may provide you with an affordable payment and a chance to get back on your feet. Your lender may agree to a mortgage modification that includes a lower interest rate or reduction of the amount owed.

Deed-in-lieu of foreclosure

If you want to avoid foreclosure and the damage it does to your credit rating, but cannot make payments on your home, I may negotiate a deed in lieu of foreclosure. In that case, the lender will take title to your home as payment for your mortgage debt without going through the foreclosure process. Deed-in-lieu of foreclosure is sometimes the safest and quickest way to resolve mortgage debt.

Pre-Foreclosure Sale (Short Sale)

A lender may agree to a pre-foreclosure sale or short sale. In a short sale, your home will be sold for less than you owe on your mortgage loan, the lender will accept the sale amount in payment for your debt, and you avoid going through foreclosure.

Investigate predatory lending practices

Your rights under the federal Truth and Lending Act and Florida consumer law may entitle you to damages and to rescind or unwind your mortgage loan if there is evidence your lender employed unethical or fraudulent mortgage lending practices when making the loan.

I am here for you during difficult times

If you are unable to make your payments, foreclosure defense or negotiation of a mortgage loan modification may be only one legal service you need to get your life on track. I also represent clients in issues as wide-ranging as child support, divorce, spousal support and bankruptcy. This comprehensive approach allows me to handle all your legal needs. It is always my goal to provide the strongest representation possible. Contact me to discus all your legal questions.