Loan Modification

Loan Modification Attorneys in Westchester County

Is Loan Modification an Option for You? Serving the Southern & Eastern Districts of New York.

In a situation where you have fallen behind on your mortgage payments and may be facing foreclosure, loan modification may be an option where you can work with your lender to modify the terms of your existing mortgage. This may enable you to start making your mortgage payments.

To find out more about this option to determine whether it may work for you, please review the information we have included below or take a moment to discuss the matter with a lawyer at our offices.

We represent clients throughout Westchester County and the surrounding areas and offer a free consultation to help you get started.

What is a Loan Modification?

A loan modification, also referred to as a mortgage modification, is a process that involves modifying your existing home loan to make your payments more affordable.

You may be able to do the following:

  • Lower your monthly payments
  • Lower your interest rate
  • Reduce your loan balance
  • Fix an adjustable rate
  • Get an extension on payments
  • Waive negatively accrued interest
  • Re-amortize your loan to include past-due mortgage payments

This can save you tens of thousands of dollars over the life of your loan. A loan modification may be compared to a mortgage refinance, except that instead of getting a new mortgage, it modifies your existing mortgage.

A typical loan modification will lower your payment and capitalize arrearage. Under the government's HAMP program, mortgage interest can be reduced to as low as 2%. For clients who do not meet HAMP guidelines, all banks offer in-house modifications for qualified borrowers. Loan modification may be exactly the answer you have been looking for in times of financial distress that would otherwise place your home at risk of foreclosure.

Contact Us

It is important to work with an attorney if you are considering a loan modification. Trying to handle this matter on your own may be difficult. You may be unable to reach someone in the right department or may be unsure of what incentive you can offer the lender to persuade them to agree to a modification.

An experienced lawyer will understand who to contact and will be able to help you prepare your application properly. In all, a lawyer can often help you achieve a workable modification in a shorter amount of time. We understand the various tests utilized by lenders and we can tailor your submission to fit these rules. Mr. Bronson is recognized as a leader in the field and has supervised successful loan modifications for hundreds of clients.

Contact our law offices today to learn more about how we can help you.

The Bronson Law Offices Team

Accomplished • Dedicated • Passionate
  • H. Bruce  Bronson Photo
    H. Bruce Bronson


    Attorney Bruce Bronson has practiced law for over 30 years and has extensive experience in: Foreclosure Services Bankruptcy Chapter 7 Bankruptcy Chapter 13 Bankruptcy Loan Modification Lien Strips Tax Repayment Sale of Home - Free & Clear Chapter 11 Bankruptcy Restructuring Liquidation Sale of Assets Defense from Eviction or Foreclosure Appeals Bankruptcy Federal Court NY State Court Tax Law Real Estate Litigation Federal Court NY State Court Bronson has an AV® PREEMINENT ™ rating from ...

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Bronson Law Offices

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