Why shouldn’t I negotiate with my lender directly?

Just as most homeowners use a professional to initially get into a mortgage, we firmly believe that it is in the homeowners best interest to use a professional to negotiate a loan modification on their behalf. You only get one shot to negotiate your way out of a bad loan, and while it is certainly possible to negotiate with the lender yourself, it is highly unadvisable. Most lenders’ loss mitigation departments are understaffed, and the overworked loss mitigators are usually overloaded with all parties vying for their attention. Unfortunately, the loss mitigator can be very difficult to get a hold of, and when you finally do get through, you have very little time with which to make your case. Because we work with all lenders and represent homeowners from all across the country, and since we specialize in loss mitigation, we understand how to collect, prepare, and effectively present the information that lenders require to seriously consider a loan modification or short sale. We have excellent working relationships with the lenders’ loss mitigation departments and we will leverage our network and expertise to help you solve your situation.