Home Affordable Modifications Avoid Foreclosure Free Counseling 
Are you having a hard time making your loan payment? Are you hearing about all those loan modification programs on the radio and TV and do not know who to trust? Did you know that there is free counseling that is available to you through government programs?
You are not alone- there are millions of families who are just like you who have either missed one or more of their mortgage payments and still desperately want to keep their home.
If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable.
Am I eligible for a Home Affordable Modification? Answer these questions:
- Is your home your primary residence?
- Is the amount you owe on your first mortgage equal to or less than $729,750?
- Are you having trouble paying your mortgage?
For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)? - Did you get your current mortgage before January 1, 2009?
- Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) more than 31% of your current gross income?
If you answered yes to these questions- you may qualify for a loan affordable modification Click here
If you have missed 1 or more of your mortgage payments- call your mortgage lender immediately or call 1-888-995-HOPE (4673) to reach a HUD-approved housing counselor. Their counseling is free.
The Home Team Girls want you to keep your home. Call us for any questions and we will direct you to people who can help. If you can not get a loan modification, call us to see if a short sale if right for you.
The Home Team Girls Realtors® Real Estate Team helping you with Investment properties, Homes For Sale, Relocations, Seller Strategies, Certified Buyer’s Agent, Serving the Military and Veterans, Bank Foreclosure Specialist, Short Sale Specialist. We use the service of a certified Home Stager on all of our listings. For Roseville and Sacramento Realtor Services call on the Home Team Girls.
