Amerifi Home Loans - Loan Modification

What can loss mitigation do for you?: The goal of loss mitigation is to work out an agreement between the homeowner and the lender that will provide you with terms you can manage. This allows the homeowner to stay in their home and protects their credit history.
How long do I have to act?: Time is of the essence when you are behind on house payments. Time is definitely not your friend in this situation. Each day that passes makes it that much harder to get a work out agreement with your lender that you can live with. The home foreclosure process can take anywhere from a few weeks to many months, depending on your state law and the method of foreclosure your lender chooses to use. We have encountered many homeowners who did not even know that they had already lost their house!
What is foreclosure?: Home foreclosure is a process by which a lender regains a property which they have financed. Typically, this is because the borrower or homeowner is behind on house payments and is unable to catch up, often due to circumstances outside of his or her control. When the lender forecloses on the homeowner, the homeowner must move out of the house, therefore, losing all possession of the property and jeopardizing any possible equity that the homeowner may have in the home. There is a legal time frame, which varies from state to state, which determines how long the foreclosure process can take.
How do we stop foreclosure?: Amerifi Home Loans specializes in resolutions of mortgage delinquencies or home foreclosure claims on behalf of you, the homeowner. We perform a detailed financial analysis and work with you to determine your best alternatives. We review your lenders loss mitigation policies and your state’s foreclosure law to make sure that we give you the best service within the context of your situation. By working with you and your lender we can tailor a resolution to meet your specific criteria and financial circumstance. We do all of this quickly and effectively because we have many years of experience in the Real Estate and Mortgage industry.
Many firms have contacted me offering to help. What's different about Amerifi Home Loans Services?: There are many predatory companies who are not what they appear to be. Beware of unscrupulous companies who are actually just interested in buying your house at big discount, attorneys who just want to take you into bankruptcy or companies that collect a consultation fee then do nothing for you. We are very proud of our track record of success and many satisfied customers. They are strong evidence that we deliver on our promises.
Can I negotiate with the lender myself?: Yes, but should you? It really depends on the results you want to achieve. We have a staff of loan mitigators whose only job is to work with lenders and modify loans, every day, five days a week. By letting us do what we do best you will get better results with less stress and effort. We know how to deal with lenders and have in-depth knowledge about how these institutions work. We can potentially save you thousands of dollars and free you from the time commitment required to achieve an effective resolution. Amerifi Home Loans delivers the critical information and professional representation that you need to get the best possible workout agreement with your lender.
How long does it take to complete the case once we fill out the paperwork?: Anywhere from 10 days to several months. This depends on the stage of delinquency you are in and your financial position. Typically it takes 30 - 90 days to obtain a resolution.
Do I have enough time to stop my foreclosure?: Up until the foreclosure sale occurs there is still hope. If a sale date for your house has been set you need to act fast. We have stopped sales set for the next day but this is very risky and some lenders will not agree to it. You’re best option is to take action immediately to stop foreclosure before it goes too far.
I'm currently in bankruptcy. Can you still help?: Yes. But we cannot negotiate a work out agreement with your lender until your mortgage has been discharged or dismissed from the bankruptcy proceedings. Our professional loss mitigation consultants can still evaluate your case and explain the best options to save your home. Then when the mortgage is out of the bankruptcy we can proceed with the home foreclosure help. Sometimes after bankruptcy it is easier to make a mortgage payment because other debts have been discharged.
I've already talked to my lender & they just want all their money. Can you help?: Yes. Most of our clients have experienced this kind of inflexibility from their lenders before calling us. We get your bank to listen to your needs because they know and trust us. Most of our staff have many years of experience. That kind of experience gives us credibility with your lender. Over the years we have developed positive working relationships with key people at most banks. Our integrity and professionalism have earned us a reputation that allows us to be heard when no one else can get through the red tape. We will use our experience and connections to your advantage.
Should I file for bankruptcy to save my house?: Maybe. The American Bar Association has reported that 96% of homeowners who declare bankruptcy end up loosing their home to foreclosure anyway. Bankruptcy is very unlikely to help you save your home. If you declare bankruptcy you will likely end up with BOTH a bankruptcy and a foreclosure on your credit report. That being said, there certainly are times when bankruptcy is appropriate and we recommend you consult a reputable attorney should you think you need it.
Do I need to have a special type of mortgage loan for Amerifi Home Loans to help me?: No. We specialize in out-of-court resolutions of government and non-government mortgage delinquencies or home foreclosure claims for homeowners. These can be FHA, Rural Administration, VA, Freddie Mac, Fannie Mae, or conventional loans which have become delinquent.
What if I can no longer afford my home? Can Amerifi Home Loans still help me?: Yes. If you are certain that you cannot afford your home any longer and wish to sell, Amerifi Home Loans can help you to secure a short sale payoff or a deed-in lieu of foreclosure agreement with your lender. Often times these agreements can be arranged at low or no cost to you.
How Can I Contact Amerifi Home Loans?: Click here to contact Amerifi Home Loans.

Amerifi Home Loans
1017 N. La Cienega Blvd. Suite 309
West Hollywood, CA 90069

Licensed by the California
Department of Real Estate
Corporate License #01522899
Advance Fee License #01522899

Accredited by the Better Business Bureau
With an A rating
Corporate ID #100077083