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Loan Modification New Jersey
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Loan Modification - New Jersey

In the last several years, due to drastically increasing numbers of homeowners struggling to make their mortgage payments, New Jersey has been experiencing an increase in loan modification scams. Scam artists are taking advantage of those who are already in financial trouble and desperate for help.

In New Jersey, a lawyer can hire a loan modification consultant to work on a case ONLY if the homeowner has retained that lawyer and the lawyer directly oversees the consultant’s work. The homeowner may not pay the non-lawyer consultant directly.

If you are facing foreclosure and are looking for answers, consider consulting an attorney before falling victim to one of the many scams out there. The Fine Law Offices is licensed to practice in the State of New Jersey, and is experienced in loan modifications. Hiring an attorney can give you the best possible chance of being accepted for a loan mod.

How do I know if a loan mod offer is a scam?

There are several red flags you should look for. First of all, no one can “guarantee” a loan modification. Even the best prepared case can be denied by the banks. If an offer sounds too good to be true, it probably is. Watch out for those who ask for a fee up front or ask you to sign your property title over to a third party.

It can be difficult to tell the difference between a good offer and a bad one when you are inundated with scams. When in doubt, check it out.

Get a free consultation from Fine Law Offices. We’ll examine your case and determine whether we think you will qualify for a loan modification. If you have a good case, hiring an experienced lawyer will go a long way toward getting you the relief you need.

What is needed to apply for a loan modification in NJ?

The requirements for the loan modification application tend to vary based on each particular lender. You can count on needing 2 years of federal tax returns, 6 months of bank statements, 2 months of documents proving your income such at paystubs, social security benefit letters, or other sources of income. Those who are self employed will also need a profit and loss statement, 2 years of business tax returns and other supporting documents.

Fine Law Offices can help you gather the required documents and prepare them for submission with your application.

What are the chances of being accepted for a loan modification?

Even if you think you have the best case for a modification, there is no guarantee that you will be offered one. At the Fine Law Offices, we make it our business to determine first of all whether or not you have a good case for a loan mod.

We know how to present your case in the best possible way, include all supporting documents, and are able to stay on top of the lenders to get your application processed. Sometimes, professional presentation and persistence goes a long way toward getting the loan mod application approved.

Submitting your documents in a disorganized manner or having documents that contradict each other can not only delay processing, but cause your application to be denied altogether. At the Fine Law Offices, our experienced attorneys will make sure all of your ducks are in a row before submitting your application in order to greatly improve your chances of being approved.

How long does it take?

It can take as long as 6 months or more to go through the loan modification process. It can be much shorter than that depending on the lender and also how well your documents are presented.

Do I need a lawyer?

You do not need a lawyer to apply for a loan modification in New Jersey. However, if time is running out, having a lawyer can get that ball rolling much faster. Hiring a loan modification lawyer can also greatly improve your chances for success simply because they know how best to prepare and how to handle the lenders and potential delays in processing. When your home is at stake, this is when experience matters and the Fine Law Offices can help.

To schedule a free consultation for your loan modification in the State of New Jersey, call (800) 503-1125, fill out the form above or visit our contact page. It’s that easy! You have nothing to lose by speaking with one of our trained professionals. The consultation is free!


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Manhattan Office
236 Fifth Avenue
Suite 414
New York, NY 10001
Long Island Office
535 Broadway Rd.
Suite A3
Melville, NY 11747


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