Home Solutions Group

Dear Mortgage Professional,

Are you turning down more clients then you are approving?  With a changing market, we all know how difficult refinancing can be, and the frustration of having your file denied after all your hard work.   Most of your unqualified borrowers whose files you may have turned down could be money you are throwing away. 

We are Home Solutions Group.  We are a loan modification company that has mastered processing.  We help people every day who have been denied while trying to refinance, or have already tried, unsuccessfully, to do a loan modification. Unlike traditional lending, poor credit and home value are not qualification deterrents with a modification through Home Solutions Group.   Our loss mitigation specialists and negotiators will contact your client’s lender to help make their current payments affordable.  Whether you want to begin selling loan modifications or want to increase your current volume, we have a proven system, an extremely high success rate, and happy clients throughout the country. 

We would like to offer our processing services to you for your loan modifications. You collect the   necessary information; submit the paper work to us and our loss mitigation specialist will take over from there.  Each modification will get special attention from our staff to make sure your client is getting the best interest rate and payment option available.  While we are appropriately handling your files, you will be free of the stress, time, and frustration involved in the modification process.  Your time is valuable and can be spent finding new business! 

Home Solutions Group is staffed with only the most experienced and professional loss-mitigation specialists and negotiators.  You will find our entire staff to be personable, knowledgeable, hard working and efficient.  Our company maintains positive relationships with many lenders and servicing companies throughout the country, which helps contribute to an unbelievable success rate and turn around time for your files.

When Can You Use a Loan Modification to Help Your Client?

If your client qualifies for traditional- loan refinancing, they may not be the best candidate for a loan modification.  However, like most people in our current credit crunch, refinancing is not an option.  If you have clients with  adjustable mortgages, or high fixed- rate mortgages, and they are facing a hardship, they may be the perfect candidate.   Borrowers who have been placed into adjustable mortgages or subprime loans in the past, have nowhere to turn when it comes to refinancing.  We will help train you to understand loan modifications, and will take care of the mitigation and negotiations with the lenders. 

Does your client fit the following categories?

• Do they have poor credit?
• Is your client’s loan amount higher than the current value of their home?
• Was your client turned down while trying to refinance for any of the following reasons?
  1. Not enough equity
  2. Poor credit rating
  3. Has high debt- to- income ratios
  4. Has a gap in employment
  5. Does not meet lenders’ guidelines
• Have they recently had a change in income, loss of job, change of job, or slow- down in business that negatively affects income?
• Were they previously a stated- income borrower who cannot show the earnings needed to refinance. 
• Are they falling behind on their bills because of a decline in business?
• Have family health issues increased bills or caused them to cut back on work?
• Your client is in an adjustable loan such as 2/28, 3/27, 5/1, 7/1, or 10/1 or an Interest only and their loan is getting ready to adjust or has recently adjusted which is or will cause them to go behind on their mortgage payments?
• Has there been a recent divorce leaving them with one income?

What Do We Do?

Home Solutions Group has online data tracking which will keep you updated so you and your clients always know what is going on with their loan.

Home Prospectus Workout – Detailed to include all income, assets, and all payments made, down to every cost. This allows a realistic view of your client's financial abilities to be sure they can continue to make their home payments for years to come once the loan is restructured.

Full Financial package which includes; A hardship letter, a detailed cost/benefit analysis showing the lender it is in their best interest to open up negotiations with us.

Unlimited Negotiations with the existing lender.

Loan Restructuring Proposal. Home Solutions Group requests specific terms for your client's new loan.

Representation on your client's behalf in dealings with their Lender

CMA: Comparative Market Analysis will be completed to show the lender the benefits of having the loan restructured

An experienced sales staff to give you the one on one support.