The qualifications for loan modification vary based on each homeowner's unique situation. The list provided below is an attempt to identify commonalities between most people who qualify. After reviewing this list please call us at 205-266-5669 to speak with a load modification specialists who can evaluate your situation.

The following are general stipulations that might qualify you for a loan modification

• You have a variable rate loan and negative amortization
• You have a fixed rate loan with a very high interest rate
• Your loan requires a penalty for prepayments
• Personal or Economic hardship such as death of a spouse, loss of employment, injury, accident, illness or divorce
• You are behind payments and unable to become current
• Lending violations in your original mortgage