At Creative Loan Modification, Ltd. we fight to get you the best deal possible with your lender for a successful loan modification.  Our professional Loan Consultants will gather all of the information needed from you to complete a professionally prepared application that will increase your likelihood of getting the best loan modification possible.

At Creative Loan Modification, Ltd. we will speed your application to your lender as soon as it is complete.  A lot of this depends on you, our client, to give us a complete package of documents.  You must deliver to us a completed loan modification package within 21 days of the date of your application.  Our Loan Consultants will help you to prepare this when they visit with you, so that your lender can get a true picture of why you are having a difficult time paying your mortgage bills.  Our legal staff will use their many years of experience in negotiating with your lender to help make your payments affordable and to help you stay in your home since you will have an easier time paying your mortgage bills.

There are millions of other Americans in your position right now, and you will have to be patient with the modification process.  It may take at least 60 to 120 days to obtain a loan modification for you because all of the lenders are being inundated with requests just like yours.  We can’t promise you that you will be able to get a modification, and if we are not successful, you will get your money refunded, in full, no questions asked, subject to our Money Back Guaranty policy shown on the first page of our web site.

Creative Loan Modification, Ltd. cannot guaranty you a loan modification, or the amount of the modification that you will receive.  Creative Loan Modification, Ltd. also cannot guaranty that your home will not be foreclosed on, but we will do our very best to try to help you avoid this travesty.  We will stay in touch with you constantly during the process.

There are three phases to the loan modification process.  The first phase is the Application Phase, where we get a completed application from you and submit it to your lender.  The second phase is the Negotiation Phase where we negotiate with representatives of your lender for the best deal possible to lower your payments and bring your loan current.  The third phase is the Documentation Phase, where the lender prepares the legal documentation for you to sign to form the written binding agreement for your loan modification.  You should be prepared during the process to save as much money as possible as lenders usually require a payment of one or more month’s payments as a good faith payment in order to complete the loan modification.