Real Estate Legal Services
(Nationwide Residents)

 A loan modification is much like going to court: you can save your money and get a court-appointed lawyer, or you can invest in professional representation and get the best mortgage assistance. You decide.

Our Chief Attorney, who was admitted to the California and Federal bars in 1986, represents the The Law Offices of Ivan Porto, who specialise and can assist nationwide clients in the following areas of Real Estate Law:

Mortgages
Foreclosure
Mortgage Loan Modification
Loss Mitigation
Short Sales
Construction contracts
Coops and condos
Easements
Eminent domain
Injuries
Insurance
Neighbors
Quitclaim deeds
Restrictions on ownership
Syndications
Time shares
Title

WHY USE A LOAN MODIFICATION ATTORNEY?

A Loan modification re-structures the terms of your existing mortgage to make your payments more affordable. But you can't expect lenders to make it easy. In fact, many homeowners fail to reach a reasonable settlement with their lenders. Most are able to settle a forebearance agreement or a payment plan, but rarely a long term loan modification. That's where your loan modification attorney comes in.

Before taking that first step, you should consult a loan modification attorney who will review your case and help you make a negotiation game plan. LTV's attorney's, led by Mr. Ivan Porto, starts by reviewing your case for legal flaws that can be used as leverage for negotiations. In particular, we can use violations of the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA) that occurred during the origination of your loan.

Here's a breakdown of how a loan modification attorney can help you get real results from your bank.

1. They know your needs. A loan modification attorney will look at your case from a legal point of view. They know the right way to approach your lender, and they'll help you prepare your application for speedier processing. When we present your case, we'll be armed with all the supporting documents and the right negotiation techniques.

2. They get the best Loan Modification Settlements. Lenders will take you more seriously when you have a professional by your side. Essentially, your loan modification attorney will be vouching for you. Because they can use legal information as leverage, the modifications they can get are much better than what you can get on your own.

3. They have long-term relationships. A good loan modification attorney has established contacts with all of the major lenders. Combined with a good track record, this network helps them get better settlements and gives them more options. Your lawyer can get you more attractive offers, such as a lower interest rate, principle balance reductions, or even an extension of your loan term.

4. They buy you time. If you attempt a modification on your own, there's a good chance you'll be passed around from one department to another without really moving forward. And if you're already facing foreclosure, you can't afford to waste time. A lawyer can stop foreclosure even while it's under way, giving you more time to recover your finances while they work on saving your home.

A loan modification is much like going to court: you can save your money and get a court-appointed lawyer, or you can invest in professional representation and get the best mortgage assistance. Mortgage modification won't happen overnight, but if with a capable lawyer, you can be sure you're in good hands.

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