Home Solutions Group

What can Home Solutions Group do for me?
We will stop your foreclosure, stop the harassing phone calls, get you a mortgage payment you can afford, save you from losing your home,


What about a Forensic Loan Audit?

Forensic Audits are currently another tool for people in foreclosure.  Though it can be helpful for most cases it is an unnecessary expense.   A Forensic Audit is the examination of your loan documents to determine if fraud has been perpetrated by the mortgage broker or the lender. If fraud has been discovered, the homeowner now has to hire an attorney and sue the lender in court. What this amounts to is a fee of $1000 to $2000 for the Forensic Audit plus the fees associated with hiring an attorney and court costs. HERE IS THE PROBLEM... The homeowner had final decision in the process because every page of the loan documents needed to be signed and initialed. So what does this mean? You are wasting your time and money with a Forensic Audit. They are unnecessary to obtain a loan modification. If you ultimately feel a Forensic Audit would benefit you, Home Solutions Group can perform this service for you at an additional fee. But we find that over 95% of our customers would not benefit from this service.

Why is a loan modification right for me?

Loan modifications could be right for several reasons.  Your loan stays with the current lender, you payment and terms get modified, you will save your credit from having a foreclosure in it, and you and your family gets to stay in your home.

I am not in foreclosure; can you still lower my payment?
YES. We can still help; many times this will work towards your advantage because you’ve proved that you have been responsible making the payments.  If your payment is going to go up, and we can get your payments fixed to a lower payment so you can avoid getting behind on your mortgage.

I had another company try a modification for me, but it was not approved?
What we have is a proven system.  A lot (I would say most) of loan modification companies don’t have the knowledge to give you your best opportunity to get your loan restructured.  We know what these lenders are looking for, we know what to submit, and not submit to open up negotiations with your lender.  We are so confident that we get your loan modified or we will give you your money back. 


Is this refinancing?
NO, this is restructuring your existing loan into a payment and terms you can afford.  This is the option when refinancing is not an option.

I am working with my lender already to fix my problem.
This is the BIG mistake many homeowners make. Your lender is working for their best interest - NOT YOURS! Lenders have an outline of what they are looking for, and you are not aware of what these are.  Working on these you will most likely cause a denial or another high interest rate.  To avoid getting taking advantage of you must work with a professional who has experience working with these lenders. 


Is this a repayment plan?
NO, that is what a forbearance agreement is.  With forbearance, the lender takes the default amount you are behind and has you pay that over a period of time usually around 12 months.  You are also required to keep up your existing mortgage while on the repayment plan.  Your payment will actually be a lot higher than normal.  With a modification we completely restructure your current loan.  

Is this a deed in lieu of foreclosure?
No. A deed in lieu of foreclosure is what other companies ultimately do when they cannot do a modification for you.  This is giving your home back to the bank and walking away from the property.  This is something that can be worked out between you and the bank if you didn’t qualify for a modification. 

Why use us?
We are experienced professionals that understand this process inside and out.  Unlike other companies we stand by our work and offer a money back guarantee if we cannot help you.

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