Friendship Properties

Home Affordable Loan Modifications

    If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.


Am I eligible for a Home Affordable Modification? ..

Answer these questions and find out right now:


1) Is your home your primary residence?
  Yes
  No
 
2) Is the amount you owe on your first mortgage equal to or less than $729,750?
  Yes
  No
 
3) Are you having trouble paying your mortgage? For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?
  Yes
  No
 
4) Did you get your current mortgage before January 1, 2009?
  Yes
  No
 
5) Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner’s association dues, if applicable) more than 31% of your current gross income?
  Yes
  No

If you answered 'YES' to ALL the questions above,
you may be eligible for the HAMP Mortgage Modification Program.



* This site can help you determine if you are eligible, but only the servicer of your loan can tell you if you qualify. To qualify, you will generally need to show that you have adequate income to make the reduced payments on an ongoing basis and that modification is an appropriate option given the characteristics of your mortgage and the value of your home.

 

Download our 'FREE' EBOOK about Mortgage Modification, and learn the secrets of getting approved.



For more information or questions about
Short Sales and Loan Modifications
Call Me @ 203-457-9991


As a full-time, full-service, CT licensed Real Estate professional & short sale specialist,
my area of expertise is in helping Connecticut home sellers
get their homes sold quickly and easily for top dollar.


    Our company does ‘Short Sales’ as well as list and sell residential homes, condominiums and multi-family properties in Litchfield, Fairfield, New London, Middlesex and New Haven Counties including:

Allington, Bakersville, Bantam, Barkhamsted, Bethlehem, Bridgewater, Canaan, Colebrook, Cornwall, East Canaan, East Morris, Falls Village, Goshen, Harwinton, Kent, Lakeville, Litchfield, Milton, Morris, New Hartford, New Milford, Norfolk, North Woodbury, Northfield, Northville, Oakville, Pequabuck, Plymouth, Roxbury, Sharon, Terryville, Thomaston, Torrington, Warren, Washington, Watertown, Winchester, Winsted, Woodbury, Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, Devon, East Haven, Guilford, Hamden, Madison, Meriden, Middlebury, Milford, Naugatuck, New Haven, North Branford, North Haven, Orange, Oxford, Prospect, Seymour, Southbury, Union City, Wallingford, Waterbury, West Haven, Wolcott, Woodbridge, Centerbrook, Chester, Clinton, Colbalt, Cromwell, Deep River, East Haddam, East Hampton, Essex, Haddam, Higganum, Ivoryton, Killingworth, Middlefield, Middletown, Moodus, Old Saybrook, Portland, Rockfall, Westbrook, Westfield, Winthrop, Berkshire, Bethel, Branchville, Bridgeport, Brookfield, Byram, Cos Cob, Danbury, Darien, Easton, Fairfield, Georgetown, Glenville, Greenfield Hill, Greenwich, Hawleyville, Huntington, Long Hill, Lyons Plain, Mill Plain, Monroe, New Canaan, New Fairfield, Newtown, Nichols, Noroton, Noroton Heights, Norwalk, Redding, Redding Ridge, Ridgefield, Riverside, Sandy Hook, Saugatuck, Shelton, Sherman, Southport, Stafford, Stamford, Stepney, Stratford, Weston, Westport, Wilton.


Local Banks we do Short Sales with in Connecticut:

Webster Bank, Liberty Bank, Union Savings Bank, First County Bank, Dime Bank, Rockville Bank, Castle Bank, Putnam Savings Bank, New England Bank, Salisbury Bank, Farmington Savings Bank, Fairfield County Bank, NewAlliance Bank, Connex Credit Union, Newtown Savings Bank, Savings Bank of Danbury, Thomaston Savings Bank, Litchfield Bancorp, Naugatuck Valley Savings and Loan, Savings Institute Bank, Connecticut Community Bank, The Citizens National Bank, Jewett City Savings Bank, Eastern Federal Bank, Stafford Savings Bank, Darien, Rowayton Bank, The Milford Bank, First Niagara Bank, Guilford Savings, Torrington Savings Bank, Peoples, Chelsea Groton.


National Banks we do Short Sales with in Connecticut:

American Home Mtg, Aurora, Bank of America, Bank United, Citi, Citizens, Countrywide, Chase, Dime Savings, GMAC, HFC, HSBC, Home Loan Servicing, IndyMac, Litton, Liberty, M&T Bank, Midland Bank, McCue Mtg, Nationstar Mtg, Navy Federal Credit Union, Ocwen Financial, OneWest, PNC Bank, Saxon Mtg, Sovereign, TDBank, Wachovia, Wells Fargo, Weststar Mtg, Rose Mtg, Quicken Loans, Coreplus, Bank United, Suntrust, Cambell Financial, NE Moves Mtg, Emigrant, Eastern Federal, Union Trust, Ameriquest Mtg, Wilminton Finance, US Bank, Savings Institute, Total Mtg, Northside Mtg, Novastar, CTX Mtg, American Mtg, Astoria Federal, CCO Mtg, Washington Mutual, RBC Mtg, Flagstar Bank, First Magnus, Accredited Home Lenders, First Franklin, Merill Lynch Mtg, Great Western, TD Bank, GMAC Mtg, Sears Mtg, Option One Mtg, and many more.


Government Agencies in Connecticut: FannieMae, FreddieMac, VA, FHA, CFHA

 


FREE LOAN MODIFICATION
AND SHORT SALE EBOOKS
Short Sale Loan Modification
Name:
E-mail:

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TESTIMONIALS

    "I was very happy to have Phil work with me to sell my home. Phil scheduled all meetings and showings at my convenience and quickly returned all phone calls. He promptly had advertising in place and he provided me with excellent advice about how to prepare my home for sale via a short sale. He worked hard, illustrated a great understanding of contract details, negotiation and documentation. I really appreciated Phil's expert advice throughout the entire short sale process. Phil was the outstanding professional I was looking."

- Rich H. (West Haven, CT)

    "We are very grateful! We put our faith in you and in the process and it worked out. Even if right now we were still waiting..we were thankful for you and that you answered all my calls and listened when things seemed bleak with the weather we endured this winter. I had my "worry angel" too! We know the short sale process could have taken even longer, but having you there to see us through, no matter how long it may have taken, was very reassuring. We would recommend you to others."

- Robin Q. (XXX, CT)

    "Phil is the best realtor I have ever worked with! Like many people, my wife and I were caught in the housing market collapse and had to short sell our house. Phil made the process as easy as it could be. He knows the process cold from beginning to end negotiates tenaciously with your bank. Phil was on the ball with everything. 

Thanks again for the great service"
- Ken H. (XXX, CT)

Hi Phil

    "Sorry I didn't email you before. All I want to say is that I'm really grateful for helping me with the sale of my condo. Thanks for your patience and the long hours spent for this to happen. I fell sooo relieved I don't have a court issue or a huge debt."

- Carolina P. (North Haven, CT)

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