Boise Home Loan Modification?
A home loan modification may be the solution for you if you have income but are having trouble paying your mortgage. There are loan modification "experts" popping up all over the place. It is unregulated and virtually anyone can do it. In fact you can do it yourself so why would you pay for it? Call your lender. Look at the phone number on your payment stub, call, and ask for the department that handles loan modifications. Call customer service. If you have to, Google your lender. For example Google Wells Fargo customer service. Don't Google Wells Fargo loan modification or you will get a bunch of people who are charging to do loan modifications. Call customer service and tell them you are having trouble with your payments and you need to talk to someone and they will direct you to their help department.
Call Jon Gosche at 208-870-2115 and I will help you find numbers and people to talk and help you find out all you can about doing a home loan modification for free. NEVER pay anyone for this.
Will a loan modification help? Well yes if you are planning on staying in your home for a long time. But if you are out of work, going to be out of work, need to move, it probably will not help. Up to now a large percentage of people who got loan modifications are again in default.
If you need to move you need to sell. Home prices have fallen up to 50% in the Boise area and even more in many price ranges. A short sale may be your best option. To do a short sale you do need help and it is a lot easier to have an experienced Real Estate Broker help you. You will not pay for it. The lender will. You will need to know what your market value is and what your lender will accept. The goal is for them to accept what someone will pay as payment in full so you don't go through foreclosure or bankruptcy. Unlike the "loan modification" industry, real estate brokers are regulated, audited regularly, and bound by state law to act in your behalf. But many Brokers and agents have never done a short sale. They are not like a regular sale. You need a Broker who has training and experience. Click here to see loan approval letters. Call Jon Gosche at 208-870-2115 and talk to me about your situation. No charge. It is lots of work so I will not lead you on. If I can't help you won't try to talk you into listing. We have two agents including myself who have closed 100 short sales. We have over 90% success in closing what we have started. That is extremely high. If you are considering doing a loan modification the video linked to HERE is a must watch.
Call Jon Gosche at 208-870-2115 and tell me about your situation. If you are a Realtor® and need help please call . We like paying referral fees to have the opportunity to help your clients.
Call today and we will help you understand your options.
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See all Boise homes for sale at www.BoiseMeridianRealEstate.com.