Helping Clients Obtain Mortgage Modifications

Are you seeking mortgage modification to lower your payments? Do you also have other outstanding bills? Did you know the bank does not like to approve loan modifications for people with high debt-to-income ratios?

If you are faced with this situation, you do have options to help you stop foreclosure, save your home and get your debt under control. The Pittsburgh mortgage modification lawyer at Bryan P. Keenan & Associates, P.C., is here to help you achieve these goals.

Keep your home with our help

Call us at 412-923-4941 for a free consultation today so we can assess your situation and provide detailed information about how we can help you.

Banks are already dealing with a massive number of foreclosures. Filing for Chapter 13 bankruptcy will immediately stop the sale from going forward. More importantly, the bank will need court permission to continue with the foreclosure process if you are not paying your mortgage payments.

Our experienced and knowledgeable Pittsburgh mortgage modification lawyer can explain to you how Chapter 7 or Chapter 13 may help you save your property or at least postpone the foreclosure sale so that you can look at all other options. In Chapter 13, it is also possible to "strip down" or remove your second mortgage if the current market value is below the amount of the first mortgage.

Eliminating or at least consolidating your debts may also help improve your debt-income ratio. We can help you find options to accomplish this by conducting a full analysis of your finances. Once we lower your ratio, your lender may consider these recent actions you have taken when reviewing your application for a loan modification.

We will also make sure to highlight the factors your lender will want to consider. For instance, proving regular and stable employment helps. Likewise, explaining that whatever caused the financial hardship is now behind you and that you will be able to afford the new mortgage payment once your loan is modified is also key to having a modification application approved.

Find Out If A Mortgage Modification Is Right For You

When you work with us, you can be assured that we will carefully work to take steps that will help you improve your financial situation. Email us or call us at 412-923-4941 today to talk to an experienced attorney. During a free consultation, you can learn more about filing bankruptcy to stop home foreclosure and successfully apply for a loan modification.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.