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Legal Loan Modification

Consumer Home Affordable Modification Program (C.H.A.M.P) allows a "quick view" to the consumer of what happens to the H.A.M.P payment as well as forecasted equity potential well past the rate reduction term before the consumer accepts any loan modification, thus eliminating two of the above lender stated reasons the consumer may be to blame for the failed program.

Permanent Principal Reduction

This new alternative solution uses an age old established system currently used in the Banking industry for decades charging off, writing down, discounting and selling Mortgage Notes that may be the answer to many homeowners that have been or will be unsuccessful with voluntary lender Loan Modifications that are now only temporary rate reductions or unaffordable to the homeowner in the long run.