(818) 812-6159
OUR PROMISE TO YOU AS A CLIENT
1. Assistance in preparation of a loan modification request package
2. Assist Client in the preparation and drafting of a hardship letter to the Lender;
3. Submission of the Net Present Value Test (NPV Test) according to the guidelines of the Making Homes Affordable Program.
4. Electronic submission of Loan Modification / Loss Mitigation package submitted ELECTRONICALL VIA LOSS MITIGATION WEBSITE PORTAL. DIRECTLY TO LENDER.
5. Transmittal of the loan modification package request based on information provided by Client,
6. IMMEDIATE “Confirmation” Acknowleding receipt of Modification documents.
7. Upon submitting your modification request via the DMM Loss Mitigation Portal Website, your modification request will be deemed completed.
8. As a courtesy to you we will continue to monitor the progress of the loan modification through the Loss Mitigation Portal website.
9. We forword via email copies of all communications between attorney and lender twice monthly.
Once Attorney submits your Loan Modification Package to your Lender(s), any forbearance/modification agreement offered to Client by Lender, thereafter, will be deemed to have been generated by Attorneys work product and WHETHER YOU ACCEPT THOSE TERMS, REJECT THOSE TERMS FOLLOWING ACCEPTANCE, AND/OR REFUSE TO EXECUTE MODIFICATION DOCUMENTS CONSISTENT WITH THE MODIFICATION OFFER, THE PAPERWORK IS SENT TO YOU DIRECTLY, AND NOT DIRECTLY TO THE ATTORNEY, BY THE LENDER(S).
DISCLOSURES
OUR FEE POLICY FOR LOAN MODIFICATION / FORECLOSURE WORK
In light of the recent enactment of California SB 94 on October 12, 2009, our firm will no longer require an advance retainer fee deposit for all new clients for loan modification / foreclosure assistance work that involves California residential properties (comprising of 1-4 units).
ADDITIONAL DISCLOSURE
All clients, existing or prospective, are hereby advised that there may be a number of existing non-profit loan modification counseling agencies that may offer you similar services, at no charge, that our firm is offering, although of course, the level of their services, experience, expertise and/or commitment to your case matter may vary from ours, as we are not certain if such agencies actually employ attorneys (with similar background and experience) to work on your case file. Nevertheless, operating in accordance with our ethical guidelines and principles, we fully provide this full disclosure to you now.
Further, although our attorneys have much experience in real estate law, mortgage finance, loan underwriting and debtor/creditor issues (including bankruptcy) and while we may be reasonably confident in the level of our services, PLEASE DO NOTE THAT WE CANNOT GUARANTEE ANY RESULT OR OUTCOME. We value every client, and we understand the difficulties that many current homeowners are now experiencing, and we only want our prospective clients to proceed on an informed basis.
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