Integrity First Financial

Call us Toll-free @ (866) 963-6443

Loan Modification Services

Are you falling behind and unable to continue making your mortgage payments? Are you up at night worrying about how and if you will be able to keep your home? Are you consistently late or owe more than your house is worth and need a fresh start. Have you been served papers informing you foreclosure proceedings have started? You are not alone. Integrity First Financial Services, LLC has the skill and expertise needed to give you the best chance to avoid foreclosure.

There Are Options Available to Avoid Losing Your Home

Integrity First Financial Services, LLC understands that falling behind on your mortgage and facing the possibility of foreclosure can be a traumatic and stressful experience. Often, homeowners give up without understanding all their options, including loan modification. We are in business to help homeowners save their homes from foreclosure.

What are the options owners have to avoid foreclosure and what can we do to help?

Four options are available to prevent foreclosure:


  • Loan Modification: A loan modification is an agreement between the borrower and a mortgage lender to revise the terms of the original mortgage note in order to lower the homeowner’s mortgage payment. Mortgage loan modifications are long term solutions for borrowers who are facing foreclosure or considering bankruptcy.
  • Forbearance: A Forbearance Plan is a repayment agreement between the borrower and the lender. The purpose is to allow the homeowner to cure the default over a period of time and reinstate the mortgage, while allowing you to maintain your normal living expenses.
  • Short Sale/Pre-Foreclosure Sale: In situations where a mortgage loan modification is not possible a short sale may be the best solution. This involves selling the home with a short payoff of the mortgage. The homeowner is able to walk away from the property with little impact on their credit and avoid foreclosure and the lingering credit issues it causes.
  • Deed in Lieu of Foreclosure: When you determine that you are unable to afford your home and a short sale is not possible, deed-in-lieu agreements can help you avoid foreclosure. After the property is listed for 90 days with no offers, the lender may allow you to voluntarily relinquish the property to the lender.


The Loan Modification Process:

1.Our loan modification help process begins with a consultation with one of our loan modification specialists. During this consultation, we evaluate your circumstances to determine whether loan modification services are the best solution for your situation. If a bank loan modification is in your best interests, we will work with you to perform a thorough analysis of your monthly income and debts to create your financial package. Our mortgage banker’s knowledge of lender requirements allows us to accurately complete your loan modification package to provide the best workout option possible.

2.Your request for modification will be submitted to your mortgage company to begin the negotiation process. We carefully prepare your financial package to fully demonstrate why it is better for the lender to negotiate the terms of your loan, rather than to foreclose on the property.

3.When the lender agrees to the loan modification we review their offer to determine if the offer meets your needs and continue the negotiating process until it does.

Contact Us

60 Lincoln Highway, Edison, NJ 08820
Tel: 732-662-9780 | Toll Free: 866-963-6443 | Fax: 732-662-9781

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