Step 1: Your own personal Case Manager will explain to you our scope of services and how by using our simple step-by-step process you can negotiate with your bank to work out a loan modification that is affordable for you. Your Case Manager will review your current and future financial position.

Step 2: Your Case Manager will gather the initial mortgage and financial information from you necessary to prepare your loan modification package.

Step 3: Your Case Manager will send you your personalized Documentation & Information Request Package via US Mail and email.

Step 4: Once you receive our Request Package, you will need to fill out the short application form and gather copies of all your financial and mortgage related documentation as instructed.  You will then return this information to us by US Mail or email. Once we receive this package from you, your Case Manager will fill out all the lender specific required forms and applications. They will correctly prepare all required financial worksheets and verify that your hardship letter is supported by the documents you provide. You will be contacted by your Case Manager and notified if any missing or other documentation need to be remitted to us.

Step 5: We will send a completed hardship package to you for a final review. If you approve the package, we will forward the completed information to your lender/servicer. For your convenience we will also fax the package, along with all necessary documentation to your lender as a courtesy for you upon your request.

Step 6: Follow our step by step instructions provided by HR PROCESSING to process the modification request.

Don’t wait until it’s too late. Especially if you are behind on your payments.