Mortgage Modifications and Short Sales:

• Are your mortgage payments on your home or commercial property too high for you?
• Are you headed toward a possible foreclosure?

If you answered yes to either of the above two questions, I strongly encourage you to work with one of the attorneys specializing in real estate transactions at Modify My Mortgage (www.modifymymortgage.com or 800-663-4396). For a very low fee, one of their experts may be able to help you either stay in your present home for less or get free from your mortgage altogether — even if your home is now “under water,” that is, worth less than your mortgage.

So call or visit their website to find out more about these two options:

(1) Mortgage Modification, where the expert helps you work with the bank to lower your payment so it is more affordable.
(2) Pre-Approved Short Sale, where the expert convinces your lender to:
a. agree to a specific sale price before your realtor markets your house.
b. accept the proceeds of the sale as payment for the house.
c. eliminate your loan payments during the 4-6 months that the pending sale is getting approved.

NOTE: When you do a short sale instead of a foreclosure, you can get back into a house of your own far more quickly. Federal lending guidelines stipulate that you need wait only two years to qualify for another mortgage if you do a short sale, but you must wait five to seven years if you do a foreclosure.
Still not sure this is right for you? The Modify My Mortgage folks would be happy to give you the names and phone numbers of past clients who used their service to resolve mortgage problems.