Mortgage Loans Modification
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY MORTGAGE PAYMENT, TO AVOID
FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO SAVE YOUR PROPERTY.
Stop Foreclosure, Modify your
mortgage:

SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR
MONTHLY PAYMENT, AVOID FORECLOSURE.

“WE WANT TO HELP YOU SAVE YOUR HOME”
DON’T WAIT UNTIL IT’S TOO LATE TO ASK US FOR HELP!
WE CAN HELP YOU EXPLORE YOUR OPTIONS…

Foreclosure Consequences
It is very important to know what can happen when you’re
behind in your mortgage payment and the lender forecloses
on your home.

Not only will you lose your home and all the money you have
invested in it, but the foreclosure goes on your credit bureau
record and may negatively impact your ability to obtain
another mortgage or credit in the future.

SAVE YOUR HOME, SAVE YOUR CREDIT!

Overcoming Payment Challenges
Is paying your mortgage becoming more difficult?

Mr. ANTONY,  a licensed mortgage broker,
a specialist in mortgage renegotiation  may have a solution
to help you.

CALL: 786-709-6577

We understand that many homeowners are facing
difficulties making their monthly mortgage payment. With a
full suite of options available, there may be a  solution
available for almost every homeowner.

CALL AT: 786-709-6577
MORTGAGE LOAN MODIFICATION

Get Financial Freedom - Modify your current mortgage in about one
month!
Loan Modification Programs
That can work, and work well for you

Mortgage Modification Programs to:
∙ Avoid Bankruptcy
∙ Reduce your monthly payments
∙ Modify your loan without refinancing
∙ Bring your late mortgage payments current
∙ Stop foreclosure
These are just a few of the many ways we can help you and your
family. Just fill out the online form below to get started!

A Loan Modification changes your existing mortgage note and gives
you a fresh new start in managing your home. We will negotiate with
your lender to lower your interest rate and extend your loan for a
longer period of time, modifying the loan amount to a more
affordable level.

Your mortgage payments can also be brought current immediately
which can improve your credit scores! If you cannot catch up with the
past-due amount on your mortgage we will negotiate with your
lender to fold any past-due amounts, including interest and escrow,
into the unpaid principal balance.

A large number of clients will find themselves using a Loan
Modification to stop a foreclosure on their home. Do not wait before
it's too late. Let us help you get an affordable loan and get back on
track so you can save your home.

SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR MONTHLY
PAYMENT, AVOID FORECLOSURE.

CALL A LICENSED MORTGAGE BROKER AT: 786-709-6577
Custom Analysis for Each Client
We understand that everyone's financial situation is unique, which is why we offer
comprehensive, personalized, and proven modification programs that get results.
Our legal experts understand the importance of providing individual services that
are tailor-made to effectively meet your personal financial needs.
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Monitor the Progress of Your Modification
We review your loan documents (the papers you signed when you applied for the
loan and the papers you signed when you closed the loan). We investigate
whether the information and calculations provided in those documents was
accurate, truthful, and met the requirements of the applicable federal and state
statutes.
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We Get Results
With our legal strategies and experience, we can modify your loan with your
current lender all without refinancing! Let us help you get an affordable loan and
get back on track so you can enjoy your financial future and save your home


Simple, Effective and Fast!
AMA makes the process convenient, personal, and effective. Our legal experts
understand the importance of providing individual service, which is why our
comprehensive, personalized, and proven modification programs get results.

What Makes Us The Best For You?
As an industry leader in loan modifications. We know how to stop foreclosures.
The result is a modified mortgage with the existing lender that our clients can
afford.

We set out to create an effective yet affordable option for homeowners current
mortgages.

Our programs are based upon extensive research of consumer credit , newly
created federal programs, credit bureau tactics, and persistence for our clients.
The program is to help Americans obtain a monthly mortgage payment that they
are comfortable paying.
Stop Foreclosure
Our consultants look at your case individually based on your financial situation, past and present. We want to stop your foreclosure, keep you in your home, establish a financial plan
with mortgage payments you can truly afford. We don’t want to give you a band-aid but a permanent solution to the danger of foreclosure.

We can help STOP Foreclosure on your Home, We can help you reduce the monthly payment, We can help you sell the property, We can help you short refinance,
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Repayment Plan: We can help you with...
A Repayment Plan is used when you have experienced a temporary reduction in income or financial hardship
2--------------------------------------------------------------------
Loan Modification: We can help you with...
If you have experienced a permanent reduction in income due to a severe medical hardship, loss of a spouse, legitimate increase in expenses, or other permanent hardship, a loan
modification may be best for you. Based on your individual financial situation, as a licensed mortgage broker, a specialist in mortgage renegotiation we  may be able to help you
change one or more of the original terms of your loan and reduce the monthly payment amount. It is important to note, a modification is done only in hardship situations.
3---------------------------------------------------------------------------
Pre-Foreclosure Sale: "Listing your Property for Sale. We can help you...
" If you believe that you will continue to have difficulty making your mortgage and real estate tax payments, and that your hardship or reduced income is permanent, you may want to
consider listing your property for sale.
4-------------------------------------------------------------------------
Partial Claims-for FHA Loans Only: We can help you...
We may be able to work with you and with your lender to obtain a one-time payment from the FHA Insurance fund to bring your mortgage current. You may qualify if:
Your loan is at least 4 months delinquent, but no more than 12 months delinquent, and you are able to begin making full mortgage payments. When your lender files a Partial Claim,
HUD will pay your lender the amount necessary to bring your mortgage current.
5---------------------------------------------------------------
Conditional Forbearance may be the help you need. We can help...
When you have unexpected financial difficulties you may find it hard to continue making your monthly payments. When we negotiate a conditional forbearance in your behalf; you can
make lower payments for a limited time, typically three months. This allows you to keep your mortgage from going further delinquent while you resolve your financial situation.

The benefits of a conditional forbearance that we can negotiate for you are:
Reduced payments for a fixed time, typically 3 months
Suspended foreclosure proceedings pending the completion of the forbearance plan
After the set number of payments your loan will return to your regular payment schedule per the terms of your note
If you have unpaid delinquent amounts you may need a repayment plan or loan modification upon completion of the forbearance plan


As a consultant we will look at your case individually based on your financial situation, past and present. We want to stop your foreclosure, keep you in your home, establish a
financial plan with mortgage payments you can truly afford. We don’t want to give you a band-aid but a permanent solution to the danger of foreclosure.


If you think a conditional forbearance will help you to get caught up on your mortgage payments, call  786-709-6577 to speak to a licensed mortgage broker, a  specialist in mortgage
negotiation.

To qualify for a conditional forbearance you’ll need to prove a financial hardship. If we determine that you have a financial hardship great enough to keep you from being able to make
your payment
6---------------------------------------------------------------
Short Sale option if you decide not to keep the property. WE CAN HELP...
We understand that you may be having trouble making your full payment and you are not alone.

Mr. ANTONY, a licensed Realtor, a licensed Mortgage Broker  has several options that may assist you through this difficult time, including a short-sale opportunity.
A short sale may be appropriate for homeowners who feel they can no longer afford to keep their home. With a short-sale you may be able to settle your outstanding mortgage
obligation even if you sell your home for less than what you owe. Or as a Realtor we can just market the property for sale, find a buyer and put some money in your pocket. CONTACT
US AT: 786-709-6577 --- Fortune International Realty  
What are the foreclosure alternatives for borrowers who are having
trouble making their payments? What actions should a borrower take
to pursue these alternatives?

There are several alternatives for a borrower that is having trouble
making payments. If you are having difficulty making your mortgage
payments, contact a specialist mortgage negotiator, an experienced
licensed mortgage broker, an excellent Realtor. 786-709-6577
We understand that good people sometimes need a second chance. Most
foreclosures are a result of an unexpected life event, such as:

- Death in the Family
- Difficult and costly Divorce
- Lost a job or had to Change Jobs
- Health problems with Expensive Medical Bills

Foreclosure is something that can happen when you get behind on your
Mortgage Loan. Your lender won't automatically put you into a program to
bring your loan up-to-date. Let our trained professionals analyze your
financial situation to stop the Foreclosure action.

Are you behind on your mortgage payments?
Are you being threatened with eviction from your home?
Has the court served you with foreclosure papers?
Are you worried about having a foreclosure or bankruptcy on your credit
report for the next 7-10 years?

WE MAY PROBABLY BE ABLE TO HELP YOU!

CALL AFLORIDA  LICENSED MORTGAGE BROKER AT: 786-709-6577
REAL ESTATE
BUYING, SELLING, LEASING A REAL ESTATE PROPERTY IN SOUTH FLORIDA.
CONTACT A LICENSED PROFESSIONAL REALTOR AT: 786-709-6577 -- FORTUNE
INTERNATIONAL REALTY
Behind on your mortgage?  
Don't let them take your home without a
fight!

Are you struggling with your mortgage?
Have you tried to refi or negotiate with
your bank but have gotten nowhere?
Are you nervous because your arm is
about to adjust and you can't afford the
new payment?
Do you want to keep your home but
don't know where to turn for help?  


Loan Modification can Save Your Home!
This is not a refinance. We connect you
with companies that can Modify and
Renegotiate your Existing Loan! Act
now. Time is running out!

Don't Let Them Foreclose!
Talk to a loan modification expert, a
Licensed Mortgage Broker

HELP IS ON THE WAY TALK TO A
foreclosure professionals that can help.

SOUTH FLORIDA CALL Mr. ANTONY
AT: 786-7096577

What is Loan Modification?
Loan modification is a process that
allows homeowners and lenders to
change the terms of a loan in order to
help the borrower stop foreclosure. A
loan modification is NOT a new loan. It is
the renegotiation - or loan restructuring
- of an existing mortgage note. For
homeowners behind on their mortgage,
or those with a low credit score, a loan
modification is often the only option
available because they are unable to
get approved for a mortgage refinance
or a short-refinance.

A loan modification can be done in
several ways or combination of ways
listed below:

the loan's interest rate may be
decreased
the interest rate could be changed from
an adjustable to a fixed rate
the period of time the borrower has to
pay the loan back can be lengthened
the type of loan could be changed
altogether
Many borrowers are facing foreclosure
because their interest only or variable
rate loan interest terms have sky
rocketed beyond what they could have
imagined. A loan restructuring is an
agreeable way for both the lender and
the borrower to avoid the cost and
hassle of the foreclosure process.
KNOWLEDGEFINANCIAL.COM
REAL ESTATE: HOME BUYING, HOME SELLING, MIAMI REAL ESTATE,
COMMERCIAL REAL ESTATE, SOUTH FLORIDA WE CAN HELP!  
MORTGAGE LOAN MODIFICATION
CONTACT A REALTOR AND A MORTGAGE BROKER.
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to contact us & get immediate help!  --- We're Licensed Realtor & Licensed
Mortgage Broker.
A step by step guide to gaining control of your financial life.
Setting priorities
Here's help for the first -- and often the hardest -- step in achieving your financial goals:
deciding which goals to pursue.

LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you get the most out of every dollar.

LESSON 3
Basics of banking and saving
Here's how to get the best banking services at the best price, either online or off.

LESSON 4
Basics of investing
An introduction to making money in stocks, bonds and mutual funds REIT'S, real estate.

LESSON 5
Investing in stocks
The market can be a great place to turn savings into wealth -- or to lose your shirt. Here
are some fundamentals of investing wisely.

LESSON 6
Investing in mutual funds
It's a mutual-fund jungle out there. Here's how to create a simple portfolio that works.

LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure income, while adding ballast to your
portfolio--but only if you really understand what you're buying.

LESSON 8
Buying a home
Owning your home is part of the American Dream, but if you’re not prepared, buying it
can be a nightmare. Here are some fundamentals for buyers and sellers.

LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold it. This lesson shows you how to
accomplish your financial goals by making debt work for you.

LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready
to reviewing the escrow papers, our helpful guide will walk you through the process of
selling your home.

LESSON 11
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car Insurance
Great things to know about insurance

Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The choices seem to be endless. This
lesson helps you sort through your options.

FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE. YOUR
PATH TO WEALTH STARTS RIGHT NOW.
It's a fact: today, anyone can become a millionaire
–  In the history of the world, there has never been
a better time to create wealth than right here, right
now in real estate.
Loan Modification Benefits


Loan Modification Benefits

• Stay in your home

• Avoid a foreclosure

• Don’t be forced to short sell your home

• Reduce your monthly payments

Save time and energy by allowing us as Florida mortgage  professional
to modify your loan, while you focus on your career and family.  

CALL A FLORIDA  LICENSED MORTGAGE BROKER AT: 786-709-6577
Short Sale Benefits


• Allows you to rebuild your credit faster

• Avoid a foreclosure on your credit report

• Most likely avoid a deficiency judgment

• Avoid being bombarded with phone calls and letters from the lender

• Faster and easier than the foreclosure process

WE MAY PROBABLY BE ABLE TO HELP YOU!

CALL A FLORIDA LICENSED REALTOR AT: 786-709-6577
Short Sale | Foreclosure


Property is sold and lender accepts
proceeds as payment in full vs. Lender
takes title and forces sale of the property


You may be release from any deficiency
judgment liens filed against you vs. Lender
has the ability to file a deficiency judgment
against you and any other property you may
own


No foreclosure reported to credit bureau
vs. A foreclosure will be reported to your
credit bureau


Reflects on your credit report for 1 – 1 1/2
years vs. Reflects negatively on your credit
report for 3 – 5 years


FICO score may drop between 75 – 125
points vs. FICO score may drop between
200 – 280 points
Foreclosure / Short sale


Property is sold and lender accepts proceeds as
payment in full vs. Lender takes title and forces
sale of the property


You may be release from any deficiency judgment
liens filed against you vs. Lender has the ability
to file a deficiency judgment against you and any
other property you may own


No foreclosure reported to credit bureau vs. A
foreclosure will be reported to your credit bureau


Reflects on your credit report for 1 – 1 1/2 years
vs. Reflects negatively on your credit report for 3
– 5 years


FICO score may drop between 75 – 125 points vs.
FICO score may drop between 200 – 280 points
Short Sale

• The voluntary agreement of the lender to issue a “payoff letter” (estoppels) releasing the title for less than the amount owed on the loan
allowing a sale to occur.
• Approved by the lender if they determine that the short sale will net them more than a foreclosure.
• Only approved after exhaustive review by the lender
• Lender must be convinced that the owner can’t pay
• Approval or disapproval takes 45-90 days

Bring Cash to Closing

• If property sells for below the loan amount a seller has the right to pay the loss difference or a portion of the difference.  
• A Short Sale transaction can be negotiated so the lender takes a loss and the seller also makes a financial contribution to the lender(s) to
get the transaction closed and avoid foreclosure.