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The Loan Modification Process

1. Understand		Steps
	First , we listen to you. We want to know your situation. What caused the problem. How have you attempted to work with your bank. What do you want to have happen. Do you want stay in your house?	Customer Interview Establish Hardship Pre-Qualify Documentation

2. Authorization		Steps
	In order for SB Law Center to discuss your case with your lender there must be an authorization in place. Within a few days of submission, your lender will acknowledge our representation of you.	File Authorization Follow Up Acknowledgement

3. Propose		Steps
	Once we fully understand your situation we will develop a plan for you to solve your mortgage crisis. We submit this plan to your lender to begin our negotiation.	Restructure Payment Demonstrate Need Prove Ability to Pay

4. Negotiate		Steps
	Here is where our legal and financial expertise shines through. Our negotiators will fight for a mortgage payment that works for you. We will not accept a modified mortgage that only benefits the lender.	Benefit to Lender Borrower Benefit Bring Loan Current Avoid Foreclosure

5. Solution		Steps
	Our favorite step. Once we receive a loan modification plan that works for you, you will sign a modification agreement that details the new terms of your mortgage. Now is when you can move on to enjoying your home again.	Review Offer Sign Modification Enjoy Life

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Loan Modification

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