I have good credit and a steady, high-paying job ...

Hello

I am Mrs. Galoway Lara by name, the (CEO) of sandy loans finance we are a Reputable, Legitimate an accredited money Lender. We give out loans to Individual and companies in need of financial assistance. Do you have a bad credit or are you in need of money to pay bills? You can use this medium to solve all your problems as we render reliable beneficiary assistance and will be glad to offer you a loan at 2% interest rate. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *Horse Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans Please write back if interested. Upon Response, you'll be mailed our Loan application form to fill our repayment schedule and our terms and conditions. (No social security and no credit check, 100% Guaranteed!) We await your swift and urgent response.

Best Regards
Mrs. Galoway Lara

sandyloan.co@hotmail.co.uk

I am not sure enough if any bank would actually prefer to deal with you as per the current market situation is concerned. It would be better if you communicate  your situation with your bankers and see if something turns out in your favor.

My experience with the banks is that if you are not in foreclosure and are making payments they will not, repeat will not, negotiate with you.  They are not motivated to listen to you.  If you are behind say 90 days, they will probably work with you on a Loan Modification.   Please hire an experienced attorney for this process.
 
Bob Burns
www.investmentpropertiesmiamiflorida.com

Hi,

I am a professional in this industry and you CAN save your home.  With a Forensic Loan Modification you do not have to be late on the payments of your home to get help.  A Forensic Loan Modification is when they audit all of your loan documents to find violations and errors.  It is with this evidence that they can get your monthly payments lowered by 25-40% and get you on a fixed rate and off of that horrifying ARM.  If your home was purchased within the last 4 years the chances of violations in your documents are very high, and even before that.  So it is worth it, and it costs about the same as a regular loan modification.  I hope I have given you some hope.  If you have anymore questions please don't hesitate to ask by contacting me via my personal profile.

If you  are facing foreclosure or need a mortgage modification please contact me. It does not matter how behind you are, i can help. Do not be discourgaed if you have been turned down in the past. I get results! Please email and lets save your home. contact me at : jlmalloy@aol.com

i can help you get a modification even if you are current on your mortgage please email me.. jlmalloy@aol.com

i can help you get a modification even if you are current on your mortgage please email me.. jlmalloy@aol.com

A good option for you may likely be a short sale. While the banks may be willing to do a loan modification for you, the solution is only short term. It will not reduce you underwater mortgage debt. The banks are also still slow to understand the present market situation. 

A program like American Homeowner Preservation will sell your home on a short sale to an investor and keep you in the home through a recorded lease. You will have a recorded option to repurchase. You will also never be charged a fee. You can learn more at www.ahphelp.com. AHP's program is a great way to get out from an underwater mortgage, stay in your home and regain equity in your home. A recent AHP sale sold the home for a 73% discount and the homeowner can now repurchase their home for far less than market value at the moment. 

The AHP program does not require you to be behind on your mortgage like the banks do. In fact, AHP recently negotiated a short sale on a homeowner who has never been a date late on their mortgage in their life. Please visit ahphelp.com for more information about the program, the process and getting involved if you so choose.