Brian M. Glover, P.C.
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Loan Modifications

If you are unable to afford your monthly mortgage payment, call Massachusetts Loan Modification Attorney Brian M. Glover at (508) 990-4555 to set up a free consultation.

Why contact a Loan Modification Lawyer?

Attorney Brian M. Glover and his staff have successfully negotiated loan modifications for home owners facing foreclosure. Successful results have included foreclosure avoidance, lower monthly payments, and lower interest rates. We have experience packaging your financial documents, hardship letter, and loan modification application in the light most favorable for successful results. Additionally, we will review your original loan documents and look for violations of Real Estate Settlement Procedures Act and Truth in Lending Act.

Loan Modification Documents Required by the Banks:

Most banks require homeowners to provide the following documentation to consider a loan modification request: Hardship letter explaining why the mortgage payment is no longer affordable (unemployment, underemployment, illness, divorce, etc…), 2 months bank statements, 2 months paystubs, 2 years taxes, current financial statement (we will provide worksheet). If you are unable to afford your monthly mortgage payment, call Massachusetts Loan Modification Attorney Brian M. Glover at (508) 990-4555 to set up a free consultation to discuss your options.

Recent Loan Modification Success Stories:

Case #1: Clients were facing Foreclosure and called to set up an appointment. Their monthly payment was $2,945.21. We submitted the loan modification proposal in April 2010. The Foreclosure was scheduled for the first week of May. We were able to have the foreclosure postponed within a week pending review of the loan modification proposal. On the June 1, 2010, the loan modification was approved. The new trial monthly payment is $1,863.04. The homeowners avoided foreclosure and now have a mortgage payment they can afford.

Case #2: In January 2010 clients were 3 months behind in their mortgage payment. We met with the cilents, prepared and forwarded to the lender the loan modification proposal, and received a favorable loan modification agreement within 2 weeks. The new terms include a fixed interest rate of 4.5% (prior rate was 6.25). The homeowners can now afford to keep their home.

Case #3: In December 2009 we met with clients who were over $4,000.00 behind in their mortgage payment. They were facing foreclosure. We collected the requisite financial documentation and submitted a loan modification proposal to the bank. Within 30 days we received a favorable loan modification agreement which allowed the clients to avoid foreclosure. The new terms include a 3% interest rate for years 1-5. The rate will adjust thereafter but will never exceed 4.99%.

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