Loan Modification Services Process

Free Consulatation. HOMEstart loan modification services begin with a free consultation with an experienced loan modification specialist. Your loan modification specialist will discuss with you the financial hardships you're facing and determine if you are a good candidate to receive mortgage loan modification help. The loan modification specialist will then send you an application by email, fax or regular mail.

Intake Processing. Once HOMEstart's intake processing department receives the application for loan modification help, they will acknowledge the receipt of all necessary forms and information to begin the loan modification services process.

Underwriting. After all paperwork is complete, HOMEstart's experienced financial underwriters will thoroughly review your application for loan modification services and determine your likelihood of qualifying for loan modification help. To ensure the best results, HOMEstart will only submit applications with an 80% or higher chance of receiving loan modification help to the bank.

Bank Negotiations. HOMEstart will then assign your application to one of our bank negotiators, who will handle your file for the rest of the process. Your bank negotiator is a loan modification specialist who will negotiate new terms with your lender to make your mortgage payments more affordable. During the loan modification help process, your loan modification specialist will keep you updated consistently on the status of your loan. The entire loan modification services process takes between 30-90 days.

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