Rick Hodges Attorney at Law
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Frequently Asked Questions

Loan Modification Lawyer in Kansas

Rick Hodge, Attorney at Law, understands you have many questions that concern your mortgage situation.  As a Kansas loan modification lawyer, our firm provides you with answers that can help you make an informed decision regarding your personal financial situation.

What is a loan modification?
Currently, a loan modification attempts to change the prior terms of your mortgage, preferably to more favorable terms that will allow you to afford to keep your home.  There are various methods of doing this, including lowering your interest rates and monthly payment, providing you with a longer loan term so your payments can be reduced, reducing the principal amount you owe if your house is now worth less than the loan, or a combination of several of these to achieve a modification that will work for your financial situation.

Can anyone get a loan modification?

No, you must qualify for one.  This takes a skilled hand to ensure all the proper documents are filled out correctly and submitted according to the lender's guidelines.  Many people have tried to pursue loan modifications on their own but have been turned down due to improperly filling out the requested documents or failing to provide exactly what was needed for review.  Ultimately, you must be able to show financial hardship in order to qualify.  Negotiating with the lender is then the next action, to obtain a better solution to your financial problems.

Will a loan modification stop my foreclosure?

With the help of our legal expertise, we can work with your lender to delay the foreclosure procedure while working on your loan modification.  We are also well-versed in the current government programs encouraging lenders to provide loan modification, and will pursue those avenues as appropriate.

If I have already spoken to my bank and they have turned me down, what can you do?
Very often the initial representative you speak with is not the person that will ultimately make the decisions.  With the long term experience we have in working with lenders, we know exactly what department to reach and what tactics to use to get results on your behalf.

For additional information on how a loan modification works contact a Kansas Loan Modification Attorney today.

300 West Douglas  Suite 145  Wichita, KS 67202

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Rick Hodge, Attorney at Law - Kansas Loan Modification Lawyer
Located at 700 N. Market Wichita, KS 67214. View Map
Phone: (800) 836-3617