California recently reported over 250,000 foreclosure filings in the third quarter of 2009, accounting for a quarter of the foreclosure in the United States! This is an increase of nearly fifty percent from October last year. Los Angeles County has by far the most foreclosure listings in the state, listing just shy of 70,000 foreclosure filings last quarter, according to Realty Trac Inc. Whittier, Pomona, and Van Nuys are just a few of the cities in Los Angeles County to be affected by the current housing crisis.  If you are one of the many people who find yourself at risk for losing your home, call HomeStart to discuss the possibility of a loan modification before it is too late.

Now more than ever, lenders are willing to renegotiate the loan terms. Not only do lenders save more money by modifying a loan than foreclosing on a property, but President Obama’s new Homeowner Affordability and Stability Plan (HASP) further incentivizes lenders to offer loan modifications. The HASP has a budget of $75 billion to refund lenders for the money they lose in the loan modification process. HomeStart offers free consultation to determine if you qualify for a loan modification and will get the process started with no upfront fees.

HomeStart is the only business in California with an A+ rating from the Better Business Bureau in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. HomeStart has been successful in close to 90% of submitted loan modification applications. We will work on even the toughest cases, which require more time and resources. HomeStart is able to provide A+ BBB rated services because we have established personal relationships with the largest mortgage lenders to expedite the loan modification process. We have an entire team of experienced loan modification consultants who are ready to help answer any questions you may have.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

California currently accounts for over a quarter of the nation’s foreclosures, recently reporting over 250,000 foreclosure filings in the third quarter of 2009. This is an increase of nearly fifty percent from October last year! Los Angeles County has by far the most foreclosure listings in all of California, listing almost 70,000 foreclosure filings last quarter, according to Realty Trac Inc. Palmdale, Lancaster, and Long Beach have some of the highest numbers of foreclosure in Los Angeles County.  If you are having financial difficulties and find yourself at risk for losing your home, call HomeStart to discuss the possibility of a loan modification before it is too late.

HOMEstart is licensed by the California Department of Real Estate (DRE) to provide turnkey, loan modification services. Loan modification is a multi-step process involving Intake Processing, Underwriting, Bank Submission, Negotiations, Approvals and Contract Review. We are the only DRE Licensed, A+ BBB rated business in California because no other company can offer you A-to-Z service. Customers must be careful working with non-accredited and unlicensed loan modification companies because they are not providing legitimate services.

Under the new loan modification program established in 2009 by the Obama administration, the Making Home Affordable initiative was brought about to help home owners avoid foreclosures and most importantly be allowed to remain in their homes.  The main problem that arises is that most people do not really know what options they have when it comes to doing a loan modification.  The main purpose of the loan modification process is to lower your monthly mortgage payments and HomeStart is able to give you accurate information while providing you with full service in setting up a home loan modification if the qualifications are met.

HOMEstart was honored as an A+ rated mortgage loan modification company by the Better Business Bureau. This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a customer complaint. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. Start with a company you can trust, call HomeStart today.

For more information please visit www.YourHomestart.com

With unemployment on the rise, it is becoming increasingly difficult for people to make their mortgage payments, which is expressed through widespread foreclosure all across the country. Wisconsin’s foreclosure rate is on the rise with residents throughout Milwaukee, Madison, and Brookfield losing their homes. With almost 30,000 homes facing foreclosure, Wisconsin is in need of some help. If you are having financial difficulties and find yourself at risk for losing your home, call HomeStart to discuss the possibility of a loan modification before it is too late.

In 2009 the Obama administration established a loan modification program under the “Making Home Affordable” initiative to help homeowners avoid foreclosures and to keep people in their homes!  One of the main issues is that most homeowners do not really know what options they have when it comes to doing a loan modification.

A loan modification is a permanent change in one or more of the terms of your loan in order to make payments more manageable. The purpose is to allow the borrower to meet the new terms of the loan, allowing them to prevent foreclosure. Loan modifications can lower your interest rates, monthly mortgage payments and the principle balance. What many people do not realize is that the cost of a foreclosure is actually more expensive to the lender than the cost of new loan modification terms, making a loan modification beneficial for everyone involved.

The Better Business Bureau (BBB) awarded HOMEstart as an A+ rated mortgage loan modification company. This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a customer complaint. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications.

For more information please visit www.YourHomestart.com



Oregon has been experiencing a drastic spike in foreclosures this year. According to the Portland Business Journal, foreclosure rates have doubled in the Portland area due to increasing job losses. Unfortunately, due to the excessive unemployment rate, people are experiencing difficulty affording their mortgage payments which often leads to foreclosure. What many people don’t realize is that it’s not too late to get help! If you are having financial troubles call HomeStart to see if you are eligible for a loan modification.

A common misconception is that lenders would rather foreclose than modify your loan. This is not true! Lenders actually prefer to modify your loan because foreclosure is a much more costly and time consuming process. With the declining home prices and competitive real estate market it makes it difficult to re-sell your home after foreclosure. Lenders would prefer any solution where they can continue to receive some payment. HOMEstart is an A+ BBB rated Loan Modification Company ready to help you save your home! HOMEstart provides free consultation to analyze your current situation in order to provide a workable solution that is acceptable to both you and your lender.

HomeStart is the only business in California with an A+ rating from the Better Business Bureau in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. HomeStart has been successful in close to 90% of submitted loan modification applications. We will work on even the toughest cases, which require more time and resources. HomeStart is able to provide A+ BBB rated services because we have established personal relationships with the largest mortgage lenders to expedite the loan modification process. We have an entire team of experienced loan modification consultants who are ready to help answer any questions you may have.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

In the beginning of 2009, Georgia experienced a ten percent rise in foreclosures from the previous quarter, according to a report by RealtyTrac. This increase placed Georgia with the seventh highest foreclosure rate in the nation, with one in every 138 houses receiving a foreclosure filing. Don’t become a victim of our current housing crisis. If you are having financial troubles, call HOMEstart to discuss the possibility of a Loan Modification. Loan modifications can lower your interest rates, monthly mortgage payments and the principle balance to keep you in your home!

The Obama Administration has created a plan called the Homeowner Affordability and Stability Plan to save the struggling housing market, also known as HASP. By modifying distressed mortgages, HASP will help struggling borrowers to stay in their homes. Lenders actually prefer to modify loans because it is less expensive than the costly foreclosure process, but HASP gives lenders extra incentive to lower monthly mortgage payments. Lenders will receive $1,000 for each completed loan modification and can also receive an additional $1,000 a year for up to three years, if the borrower makes consistent payments. In addition, the borrowers could receive a principal balance reduction of up to $1,000 a year, for up to 5 years, for making consistent payments.

The Better Business Bureau (BBB) awarded HOMEstart as an A+ rated mortgage loan modification company. This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a complaint from a customer. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. So start with a company you can trust, call HomeStart today.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

Indiana’s high foreclosure rate, like much of the United States, is due to the high levels of unemployment brought on by the recent economic downturn. However while Indiana’s foreclosure rates are still very high, it is actually seeing better numbers than it was experiencing in previous years when listed in the top ten foreclosure rates in the country. Although Indiana is one of the few states to see improvements in recent months, many residents are still struggling to make loan payments. If you find yourself in this situation, call HOMEstart to discuss the possibility of a loan modification.

Under the new loan modification program established in 2009 by the Obama administration, the Making Home Affordable initiative was brought about to help home owners avoid foreclosures and most importantly be allowed to remain in their homes.  The main problem that comes up is that most people do not really know what options they have when it comes to doing a loan modification.  The main purpose of the loan modification process is to lower your monthly mortgage payments and HomeStart is able to give you accurate information while being able to also provide you with full service in setting up a home loan modification if the qualifications are met.

A Loan Modification is a permanent change in one or more of the terms of your loan. The purpose of a loan modification is to allow the borrower to meet the new loan modification terms, allowing them to prevent foreclosure. A loan modification is not a refinance; it is the restructuring of the loan terms. In other words, a loan modification is a contractual agreement between the Lender and the Borrower to provide long term relief from unaffordable loan terms. Loan modifications can lower your interest rate(s), monthly mortgage payment(s) and the principle balance (loan amount). Remember the cost of foreclosure to the Lender is higher than new loan modification terms; therefore, lenders are open to loan modifications to prevent foreclosure.

HomeStart offers nationwide residential, investment and commercial property loan modifications, and can also provide foreclosure prevention information and pre-foreclosure consultation. HomeStart is the only business in California with an A+ rating from the BBB (Better Business Bureau) in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. The A+ score that HomeStart received represents the BBB’s degree of confidence that the business is operating in a trustworthy manner and will provide excellent contracted services, while also providing a high degree of customer service.

For more information please visit www.YourHomestart.com

For A+ BBB Utah Mortgage Loan Modification Services CLICK HERE

Utah currently has one of the highest foreclosure rates in the country, listing just shy of 18,000 foreclosures. The majority of these foreclosures are coming from their state capitol of Salt Lake City, which has one of the top five metro foreclosure rates in the country. According to RealtyTrac, in August, Utah reported the eighth highest foreclosure rate, with one in every 282 houses receiving a foreclosure filing. Don’t let this happen to you! If you are having trouble with monthly mortgage payments, call HomeStart to discuss the possibility of a loan modification.

HOMEstart is licensed by the California Department of Real Estate (DRE) to provide turnkey, loan modification services. Loan modification is a multi-step process involving Intake Processing, Underwriting, Bank Submission, Negotiations, Approvals and Contract Review. We are the only DRE Licensed, A+ BBB rated business in California because no other company can offer you A-to-Z service. Customers must be careful working with non-accredited and unlicensed loan modification companies because they are not providing legitimate services.

In early 2009, The Obama Administration created a plan called the Homeowner Affordability and Stability Plan (HASP) in hopes of reviving the struggling housing market. The $75 billion plan calls on major banks such as JP Morgan Chase, Wells Fargo, and Citigroup to participate in modifying distressed mortgages, keeping borrowers in their homes. The losses these banks incur will then be refunded by the $75 billion HASP budget. These Loan Modifications involve the renegotiation of loan terms, often reducing monthly mortgage payments and even the principal balance.

HomeStart is the only A+ BBB rated and DRE licensed Loan Modification Company in California. HomeStart has established close relationships with many of the large banks and lenders and has experienced attorneys ready to work on your mortgage loan modification. We provide trusted service and have helped many families save their homes by lowering both monthly mortgage payments and the principle balance. HOMEstart is not a high-volume, mortgage and loan Modification Company and you will never receive a customer number. We keep our A+ BBB rating by providing personal and dependable service to our customers. We provide free consultation to analyze your current situation so that together we can provide a workable solution that is acceptable to both you and your Lender.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

Homeowners in Oregon are growing quite concerned over the growing foreclosure rate. RealtyTrac reported that there were more than 2,800 new foreclosure filings in November 2009. More troubling is the report released in late November 2009 by the Mortgage Bankers Association which showed that 5.7% of Oregon homeowners with a mortgage were in foreclosure or were a minimum of 3 months behind in payments. Homeowners who are behind and afraid of losing their homes can contact HomeStart!

HomeStart is a company that helps homeowners proceed with a home loan modification process. A home loan modification is a restructuring of a home loan in order to obtain lower monthly mortgage payments. Lower monthly mortgage payments mean less financial stress each month and keeping homeowners in their homes!

HomeStart is a honest business that holds a perfect A+ Better Business Bureau (BBB) honor which is key when dealing with such important matters. The California Department of Real Estate (DRE) reports that there are less then 300 licensed Real Estate & Mortgage Brokers in California who can perform mortgage loan modifications. HomeStart is one of few who are licensed and experienced in loan modification in not just California, but all 50 states.

For more information please visit www.YourHomestart.com

Idaho has a population of about 1.5 million, with the majority of the population living in the state capitol of Boise. Unfortunately, the “Gem State” is currently reaching almost ten thousand foreclosure listings, putting it at the top ten in the United States. The majority of these listings are in Boise, Meridian and Nampa. According to RealtyTrac, Boise city has one of the three top metro foreclosure rates in the country! If you are concerned about your monthly mortgage payments, call HomeStart to find out if you qualify for a loan modification.

A loan modification is a change in one or more of the terms of your loan. This could mean a lower interest rate, lower monthly mortgage payments, and a lower principal balance.  The purpose is to allow the borrower to meet the new modified terms of the loan, in hopes of avoiding foreclosure. What many people do not realize is that the cost of a foreclosure is actually more expensive to the lender than the cost of new loan modification terms, making a loan modification beneficial for everyone involved.

The Homeowner Affordability and Stability Plan (HASP), which was created as part of President Obama’s 2009 economic recovery package, is a plan to revive the troubled housing market. HASP focuses on reducing mortgage payments and requires major lenders and banks to participate. The resulting losses lenders and banks incur would be refunded by Obama’s $75 billion HASP budget. Whether you are currently behind on your mortgage payments or foresee being unable to make payment in the near future, you can qualify for a mortgage loan modification.

HomeStart has been accredited by both the Better Business Bureau (BBB) and the California Department of Real Estate (DRE) to provide trusted and effective service. Given our tenure and attention to customer service, HOMEstart has been successful with close to 90% of submitted loan modification applications.  Contact HOMEstart at anytime to discuss your financial hardship, we will listen and maintain the highest level of confidentiality. We have an entire team of experienced loan modification consultants who will help answer any questions you may have, regardless if you pursue a loan modification through HOMEStart. We are here to help; start new, not over.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

Washington is one of the many states in need of help during our current housing crisis. King County, the most highly populated county in Washington, also has the majority of foreclosures in the state. According to the Washington Post, the foreclosure rate in Washington rose 17 percent in the second quarter of 2009, reaching over 106,000 completed foreclosures in that second quarter alone. Seattle, Tacoma, and Everett hold some of the highest city foreclosures throughout Washington. If you are having financial difficulties and find yourself at risk of losing your home, call HomeStart to discuss the possibility of a loan modification before it is too late.

A Loan Modification is a permanent change in one or more of the terms of your loan. The purpose of a loan modification is to allow the borrower to meet the new loan modification terms, allowing them to prevent foreclosure. A loan modification is not a refinance; it is the restructuring of the loan terms. In other words, a loan modification is a contractual agreement between the Lender and the Borrower to provide long term relief from unaffordable loan terms. What many people do not realize is that the cost of a foreclosure is actually more expensive to the lender than the cost of new loan modification terms, making a loan modification beneficial for everyone involved.

Lenders now have even more motivation to offer loan modifications because of the Homeowner Affordability and Stability Plan which was put into place by the Obama Administration in early 2009. HASP is a $75 billion plan that hopes to help people avoid foreclosure by modifying distressed mortgages, keeping borrowers in their homes. Obama’s plan requires major lenders and banks to participate in reducing monthly mortgage payments to less than 40% of the borrower’s gross monthly income. The resulting losses lenders and banks incur would be refunded by Obama’s $75 billion HASP budget. HASP gives lender’s extra incentive to participate by offering compensation for each loan that they successfully modify. In addition, a principal balance reduction of up to $1,000 each year, for 5 years, is rewarded to borrowers for making consistent payments.

HomeStart is the only business in California with an A+ rating from the Better Business Bureau in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. HomeStart has been successful in close to 90% of submitted loan modification applications. We will work on even the toughest cases, which require more time and resources. HomeStart is able to provide A+ BBB rated services because we have established personal relationships with the largest mortgage lenders to expedite the loan modification process. We have an entire team of experienced loan modification consultants who are ready to help answer any questions you may have. We’re here to help. Start new, not over.

For more information please visit www.YourHomestart.com