About Us

• Loan Modification Specialists, LLC has a unique, effective and inexpensive way of doing business! We never collect a fee upfront and are affiliated with South Jersey's leading law firms.
  "What makes us different, you ask?"Foremost, is our commitment to client satisfaction and complete confidentiality! Our ultimate goal is to help you negotiate a HAMP (if applicable) or alternatively an internal bank loan modification that fits your stated objectives and budget.
  Second, but no less important is our commitment to keeping our clients well advised and involved throughout the loan negotiation process. Lastly, we conduct our business for the long term and wish to continually build our business through "well earned" referrals. Simply put, "if you are not happy we haven't done our job!" We truly understand and are empathetic to the hardship you may be experiencing! If you are one of the increasing number of homeowners who is facing a potential default on your mortgage or you are already in pre-foreclosure or active foreclosure, we know times are not easy! The prospect of loosing your home is stressful and even frightful! Even still, it's very important that you are aware of all of your options, rights and alternatives to foreclosure, each should be explored and wherever possible protected! Our affiliated law firms work closely with us to help you protect your rights and ultimately negotiate a more affordable loan payment that meets your budget and debt to income ratio. Also you should know, If you are an active duty military personnel, It is likely possible to further protect your rights under the SCRA act and modify your loan to avoid foreclosure. By initiating the loan modification process through us, you can begin to take control of a challenging situation, work to prevent any further default on your loan and stop a potential foreclosure on your home! We will help you to make important/critical decisions, explore all of your options and ultimately retain one of our affiliated attorneys who fully understand your challenges and are willing to work with the confines of your budget. Each of our affiliated attorneys are well qualified to negotiate a legal modification through conventional loss mitigation channels and or through a process of mediation to help you obtain the most favorable terms for your situation! We pride ourselves on our long working history of engaging experienced law firms throughout New Jersey, Pennsylvania and New York to lower your monthly payments by lowering your interest rate, forgiving late/legal fees, and improving the terms of your loan. Our affiliated attorney specialists will also check to see that your lender has followed all federal regulations in regards to your mortgage. Additionally, we can provide a full loan securitization audit that will essentially examine the full life span of your mortgage and the entire chain of title to establish whether there are grounds for a potential law suit, should you wish to sue your bank. The securitization audit will also establish whether your bank is merely the servicer or has proper standing to foreclose. (This service as well as expert testimony is available to clients at a nominal charge.) Currently, we service borrowers in New Jersey, Pennsylvania and New York. We also offer local "face to face" consultation in and throughout Cape May County, NJ, Atlantic County, NJ, Ocean County, NJ Burlington County, NJ. Cumberland County and Camden County, NJ.
  Note: Some loan modifications can be achieved without the aid of a law firm. In these cases, you may want to hire us to coach you through the loan modification process (Loanmodcoach.com) and help you complete the necessary documentation, including drafting a hardship letter. If have the time, energy and shear will to work with your bank directly but need a guiding hand, we offer professional coaching services. This is a very inexpensive alternative to retaining one of our affiliated law firms and may save you a few thousand dollars in legal fees! Loan Mod Coach.com can assist you with completing the paperwork and reviewing your best options so that you can determine if legal representation is necessary.
  Check out our coaching website at: http://www.loanmodcoach.com
  If you have applied and have been told you do not qualify for a loan modification, there are still many alternatives to foreclosure. We can explain these options in detail. One such option is exploring your eligibility to have one our affiliated Investment companies purchase your mortgage note at a substantial discount from the bank and provide you with an option to continue to live in your home and repurchase the home at a later date. This is an excellent option to consider and is designed to help you preserve and build equity in your property. Call us or visit our affiliated website at: http://www.homebuyback.net
  You can email us at: Andrew@njloanmod.com or contact us by mail at:
  P.O. Box 100 (Avalon, NJ 08202)