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Loan Modifications

Irvine, California Loan Modification Attorneys

What Is a Loan Work-Out in California?

A loan modification, otherwise known as a loan work-out, is a process by which your mortgage lender agrees to change or “modify” the terms of your existing mortgage, allowing you to continue or resume making payments on the loan and helping you avoid losing your home through foreclosure.

Modifications can result in one or more of the following ways:

  • Reduction of interest rate
  • Extension of loan term, such as extending a 30-year mortgage to a 40-year term
  • Converting an interest only or adjustable rate mortgage into a fixed, principle and interest payment
  • Capitalizing the delinquent amount that you owe onto the balance of your mortgage
  • Reduction or deferment of your principle loan balance

Why Should I Retain Financial Relief Law Center, APC for Modification Help?

Obtaining a loan modification is not an easy process when working with the lenders. Frustrated homeowners often contact our loan modification attorneys in desperation after many failed attempts to work with their lender on their own.

Our firm takes the guesswork out of the modification process, giving you the peace of mind knowing that a professional, reputable law firm is handling your case. Financial Relief Law Center, APC is experienced in working with the lenders and their modification assistance programs and guidelines. We will review your financial situation and analyze your income, expenses, and debt ratios to determine whether you may qualify for modification assistance. We will complete a due diligence phone call with your lender to gain insight into your loan, followed by a conference call with our head attorney to review the findings and to set realistic expectations for the modification process and possible solutions.

Should you become a client with our firm, we handle all financials, paperwork, and phone calls to your lender, taking the stress of trying to do it yourself off your plate. Financial Relief Law Center, APC processes modifications in compliance with SB 94 and therefore takes no upfront fee for modification assistance.

Contact Us Today! schedule your free consultation

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

What Can Financial Relief Law Center, APC Do Differently?

Regulatory Complaints

One tool we utilize is to file a consumer regulatory complaint with the appropriate regulator to escalate the file review. This is a key tactic when consumers experience unwarranted or unnecessary difficulty in attempting to work with their mortgage servicer for a modification.

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Hear From Our Happy Clients

At Financial Relief Law Center, APC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "I highly recommend Financial Relief Law Center!"
    I received great results! Their team worked together to get me out of a terrible financial storm.
    image - Luis S.
    "Amanda Billyard provided top-notch service."
    They are knowledgeable, thorough, understanding, and humble. Talk about client care...Amanda Billyard stuck with me until she got results.
    - Judith T.
    "This firm is the best!"
    This firm is the best! The team is very efficient and the entire process took less than 3 months for my approval.
    image - Claudia G.
    "Thank you Financial Relief Law Center!"
    Excellent staff very professional and always kept me up-to-date with my case. Ronda Miner, Victor Ugarte and all the others were so very helpful and supportive.
    - Lauretta B.
    "My attorney Amanda and Victor are simply The BEST!!!"
    My case was handled in a professional manner, no judgment, and they were so FAST!!!
    image - Virginia J.
    "I felt welcomed and reassured."
    Most other attorneys were fairly dismissive of my situation but Andy fought for me and literally saved me over $100,000 on a severely complicated case. Andy fought for me where others would have given up.
    - Nick S.

What Sets Us Apart?

As attorneys who routinely support consumers in potentially dire financial straits, we are empathetic and compassionate about what these problems mean to our clients. More importantly, we’ve grown to understand how important it is that we only deliver our best possible work so our clients’ chances of getting the best possible outcome are secured.

  • 30+ Years of Combined Legal Experience
    Our team of attorneys has extensive knowledge of bankruptcy and estate planning law, with over three decades of combined experience between them.
  • Solutions Fit for Your Unique Case
    No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.
  • Constant Client Communication
    You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.
  • Free Consultations
    Why pay to have a conversation? Our phone, video and in-person consultations are 100% complimentary.