Unlike a re-finance loan or a home purchase loan, Loan modification companies collect their fees up front.  As you know, the other types of finance products (purchase loans and re-finances) collect their fees at the close of escrow.

The fee amount depends on the borrower's individual situation.  If you have one loan (a "first") only, then the process will be less expensive.

If you have a "second", then there will be an additional fee.  That additional fee is needed to cover the costs of negotiations with that lender.  The additional fee is even required when the holder of your first and the holder of your second are the same company. 

If you have a "third" - or more - than fees may be even higher.

Through our affiliation with Northern California’s largest loan modification company – a company that has been approved by the Department of Real Estate - we can directly offer these services to you – and at a much lower cost than the “retail” price.

Use the "Loan Mod Form" button on the left of this web page to send in your information.  We will quickly be able to tell what your potential fees will be.

Again, be careful.  There are companies charging above and beyond the "standard" fee structure - to their benefit, not yours.