Can a Loan Modification Save Your Home?
Learn If You Qualify
Loan modifications rewrite loan terms so your monthly mortgage becomes affordable — often preventing foreclosure and protecting your credit.
If you’re behind on payments, a lender-approved loan modification can be a lifeline. Property Jet helps Georgia homeowners understand eligibility, gather paperwork, and negotiate with servicers so you have the best chance to keep your home.
What Is Loan Modification?
A loan modification is a permanent change to the original terms of your mortgage. It’s designed to make monthly payments more affordable by changing one or more of the loan terms — interest rate, loan length, or principal amount. Unlike a short-term forbearance, a modification is intended to be long-lasting and can stop foreclosure if approved.
Lower monthly payments
Reduced interest rate (sometimes)
Loan term extension (e.g., 30 → 40 years)
Principal forbearance in some cases
Permanent, lender-approved solution
CONTACT US TODAY! (470) 516-2603
How A Loan Modification Helps
Here’s how modification protects homeowners and prevents foreclosure.
Stops Foreclosure Proceedings: Once approved, many servicers halt foreclosure and auction processes.
Makes Payments Affordable: Monthly housing costs can drop significantly — and become sustainable.
Protects Your Credit: A successful modification is far less damaging than a foreclosure on your credit report.
Keeps You in Your Home: The primary goal is to let you remain as the homeowner while paying a workable monthly amount.
Avoids Eviction & Stress: Reduces the emotional strain and legal consequences that follow foreclosure.
We’re not lawyers — but we specialize in navigating servicer processes and preparing complete modification packages that banks will accept.
Are You Eligible?
Eligibility varies by servicer and loan type, but common factors include:
- You have a federally-backed or conventional mortgage (we’ll check)
- You’re experiencing a financial hardship (job loss, medical, reduced income)
- You can prove ability to pay the modified amount going forward
- You’ve missed payments or are at risk of default or foreclosure
- You haven’t received a loan modification for the same mortgage recently (depends on servicer)
CONTACT US TODAY! (470) 516-2603
FAQ
❓ Will my loan modification affect my credit?
The modification itself doesn’t damage credit as much as a foreclosure. Missed payments remain on your credit, but a permanent modification shows future payments are current and sustainable.
❓ How long does approval take?
It varies — anywhere from a few weeks to several months depending on the servicer. We prioritize urgent cases and escalate when auctions are scheduled.
❓ Will a loan modification stop foreclosure immediately?
Often the servicer will pause foreclosure while reviewing; getting it paused is a key early goal. If there’s an imminent auction, we pursue emergency measures in parallel.
❓ Are loan modification approvals guaranteed?
No. Approval depends on the loan servicer and underwriting results. A complete, accurate package maximizes your chances.
❓ Is loan modification better than bankruptcy?
It depends on the case. Modification aims to keep you in the home; bankruptcy may pause foreclosure but has different long-term consequences. We’ll advise on options.
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