Are You Eligible For A Home
Loan Modification?
If you are behind on your home mortgage payments, or believe a problem may exist with your loan, you may be eligible to have your loan modified.

Successfully Modify Your Mortgage
Due to a recent change in state law, New Hampshire lawyers now may directly represent homeowners in navigating the requirements to successfully modify a home loan. Alfano Law Office, PLLC has developed a program to provide this service.

Why Use A Law Firm?
Some people believe using a loan modification attorney can improve the chances of successfully modifying a loan or shorten the time needed to complete the process. We do not know if this is true, but we do know lenders sometimes perform the modification process improperly and actually make the situation worse for the homeowner. We have commenced litigation to stop foreclosures where clients have informed us of being rejected for reasons unsupported by the facts (such as by being told the application was incomplete when, in fact, all requested documents were provided), where a repayment agreement has been reached yet the lender schedules a foreclosure anyway, and a foreclosure auction being scheduled where a client actually overpaid the amount due.

Every Situation Is Different.
By using a law office for the mortgage modification process, a lawyer can closely monitor the actions of the lender. Irregularities can be used as leverage in the modification negotiations, or as outright causes of action should litigation become necessary.

Get Started With A No Obligation Review
You can begin the modification process by filling-out a short questionnaire prepared by our office asking basic information about your situation. Someone from our office may contact you with questions. Using the information you provide, we will determine what options may be available to you. We will not charge for this initial review.

If we believe you are a candidate for one or more loan modification programs, you then may formally engage our office to represent you. (You are not required to retain our office simply by filling out the questionnaire; you will remain free to hire whatever lawyer you choose, or no lawyer at all.)

Mortgage Loan Modification Options
We will pursue one or more of the following mortgage reduction methods to help reduce monthly payments:

• Lower the interest rate
• Convert the interest rate from a variable (adjustable) to fixed rate
• Lower the principal amount
• Extend the term of the loan (extending the number of years generally results in a lower monthly payment)
• Reduce the amount of late fees or penalties already incurred

Litigation and Bankruptcy
If necessary, we also can seek an injunction to stop a foreclosure auction, file suit to challenge the enforceability of a loan, review loan documents for violations of the Truth in Lending Act ("TILA") and Real Estate Settlement and Procedures Act ("RESPA"), or refer you for bankruptcy protection. We also can assist with "short sales" and deeds in lieu of foreclosure.

Our Fees
We do not post our fees on-line, but will be happy to discuss them with persons who fill out the loan modification questionnaire. That said, generally speaking our fees should approximate what one might expect to pay when refinancing a loan with the assistance of an attorney. Litigation, bankruptcy and other services outside a conventional loan modification will cost more.

Contact Us For More Information
For more information on our mortgage reduction plans, you may fill out the questionnaire, which will be forwarded to us via email, contact us via email, or call Suzanne Blake at (603) 856-8411.

Alfano Law Office is an experienced commercial, real estate and business law firm offering legal services to individuals, businesses and institutions in New Hampshire. Our team of legal professionals is dedicated to helping you complete the loan modification process and prevent foreclosure so you can move on with your life.

Bankruptcy services will be provided by a third-party law firm. Litigation services may be provided by a third-party law firm as well.