2nd mortgage refinance

I know of a company that has a team of attornies and paralegals, that help people negotiate new terms on their mortgage.  Shoot me an email, and I will give you the info, so that you won't have to worry about whether you might lose your house or not. andrewlugo@ymail.com.  Good luck to you and your family now and in the future.

Words from an Opinionated California Lawyer

In California, the Department of Real Estate website (www.dre.ca.gov) lists the companies that have DRE "permission" to modify loans... add to this list any licensed California attorney, and that is where you should begin your due diligence when you seek help in California. Other states probably have similar laws, so check with your own state DRE.

My law firm has been getting more and more calls recently from homeowners that were victims of predatory lenders who put them into an unaffordable loan and now fell into the hands of those same people who sold the toxic loans but profess to be saviors... DON’T BE A VICTIM TWICE!

Do your homework and THOROUGHLY investigate any firm before hiring them to save your biggest asset and the place you call “home.” These scammers are popping up like dandelions on a freshly mowed lawn. They advertise on the Internet, freeway billboards, radio, television, and print media everywhere. Make no mistake, in many cases, these are the exact same loan officers and mortgage brokers who fleeced homeowners the first time around. After losing their jobs with the crash of the mortgage industry, they have found a new way to make ill-gotten profits from hard-working homeowners through loan modifications.

In California, with very few exceptions (and attorneys are one exception), it is against the law for anyone to take money up front for helping a homeowner who is in default. Don’t trust a company that begins its relationship with you by breaking the law.

Of course, this is one lawyer's biased opinion, but one based on many distressing calls to my office every day. And, yes, my firm does take cases against loan modification companies who have violated laws. This field is quickly becoming one of the fastest growing sections for our mortgage law firm.

- Paul J. Molinaro, Esq.

Though refinancing may not be right for everyone, if you have a second mortgage on your home, you may want to consider refinancing.

The decision to refinance must be based on your individual situation and needs. For some homeowners, it is a good financial move, and for others, it's not. It simply depends on how much you owe on your home, how much the home is worth, and whether or not you plan to stay in the home for a significant period of time. The type of loan terms, cost of the refinance, and the reasons behind it should also factor into your decision.

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