{"id":474,"date":"2019-02-07T01:56:35","date_gmt":"2019-02-07T01:56:35","guid":{"rendered":"http:\/\/mortgagemodificationri.com\/blog\/?p=474"},"modified":"2019-02-07T20:43:48","modified_gmt":"2019-02-07T20:43:48","slug":"mortgage-modification-lawyer","status":"publish","type":"post","link":"http:\/\/mortgagemodificationri.com\/blog\/2019\/02\/07\/mortgage-modification-lawyer\/","title":{"rendered":"Rhode Island Mortgage Modifications"},"content":{"rendered":"\n<ul class=\"wp-block-list\"><li>Are you having difficulty making your mortgage payments?<\/li><li>Are you experiencing a financial hardship?<\/li><li>Do you worry that you will lose your home to foreclosure?<\/li><li>Are you interested in learning what your options are?<\/li><\/ul>\n\n\n\n<p>Financial\nsituations can change, sometimes unexpectedly. Payments that you were able to\nmake in the past may no longer be affordable for your family. Your mortgage\npayment could have increased due to rising insurance costs or real estate\ntaxes. Your household income may have decreased due to underemployment,\nunemployment, or a variety of other events.<\/p>\n\n\n\n<p>Whatever\nthe reason may be, if you are having difficulty paying your mortgage, Attorney\nJohn S. Simonian may be able to help you. Your monthly mortgage payments may be\nable to be reduced. If the payments can be reduced, you won\u2019t have to lose your\nhome due to foreclosure, or move from the home that you love.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Feeling Stressed about\nFinances?<\/strong><\/h2>\n\n\n\n<p>If\nyou feel stressed about your financial situation, you are not alone. Many\npeople feel stress about money, and many especially feel stress about trying to\nmake the mortgage payment each month. Homes are expensive, and for many people,\nmortgages are the largest bill that they pay each month. Feeling stress about\nyour mortgage can affect your health, your relationships, and your life.\nFurther, this stress can also affect your family.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Are you Behind on your\nMortgage?<\/strong><\/h2>\n\n\n\n<p>If\nyou are behind on your mortgage, your mortgage company may be threatening to\nforeclose on your home, or the mortgage company may have already initiated the\nforeclosure process. However, that doesn\u2019t mean that you should let the home go\ninto foreclosure without at least seeing if you have any other options. It\ndoesn\u2019t matter if you are a little or a lot behind on your mortgage, or if you\nhave missed a few or many payments. A mortgage modification may be able to help\nyour situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a Financial\nHardship?<\/strong><\/h2>\n\n\n\n<p>A\nfinancial hardship occurs when a homeowner would like to make the mortgage\npayment. However, due to a situation out of the homeowner\u2019s control, the\nhomeowner is finding it difficult or even impossible to make the monthly\nmortgage payment. What qualifies as a financial hardship varies amongst different\nmortgage companies. Common examples of a financial hardship include a decrease\nor a loss of income resulting from:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Unemployment<\/li><li>Underemployment<\/li><li>Difficulty finding a job<\/li><li>Decrease in work hours and\/or pay<\/li><li>Illness of primary income earner or a dependent<\/li><li>Work absence due to medical conditions of a primary income earner or a\ndependent<\/li><li>Divorce or other relationship breakdown<\/li><li>Natural disaster<\/li><li>Death of an income earner<\/li><\/ul>\n\n\n\n<p>Further,\nthe birth of a child or addition of another dependent into the household may be\nconsidered a financial hardship.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a Mortgage Modification?<\/strong><\/h2>\n\n\n\n<p>A\nmortgage modification is an agreement that is entered into between the homeowner\nand the mortgage company. A mortgage modification is not a new mortgage. It is\nthe same mortgage, but some of the terms change, so that the homeowner may be\nable to afford the monthly mortgage payment. &nbsp;Some things that a mortgage modification can\ndo in order to lower the monthly payment are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Change the type of the mortgage (fixed rate, adjustable rate, etc.)<\/li><li>Lower interest rate<\/li><li>Change the repayment time period <\/li><li>Add past due amounts to the principal amount of the loan, so they may\nbe paid overtime instead of upfront in a lump sum <\/li><li>Reduce the total principal amount owed<\/li><\/ul>\n\n\n\n<p>Mortgage\nmodifications can be temporary or permanent, depending on the type of financial\nhardship. Mortgage modifications may be able to change a first home, a vacation\nhome, a rental home, etc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the Benefits to\nMortgage Modifications?<\/strong><\/h2>\n\n\n\n<p>The\nmain benefits to a mortgage modification are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A more affordable mortgage payment<\/li><li>Avoiding Foreclosure<\/li><li>Not having to move<\/li><\/ul>\n\n\n\n<p>Homes\nare important to us. They are where we build our families, make precious\nmemories, and where we gather together at the end of the day. Most of the time,\njust because a homeowner can\u2019t afford their mortgage, does not mean that they\nwant to leave their home. <\/p>\n\n\n\n<p>Moving\nin any situation is disruptive to the entire family, and can add a lot of\nstress. If you move, you may have to commute farther for work, or your children\nmay have to change schools. You may have to leave your community and all associated\nrelationships and routines behind. However, being forced to move from your home\ndue to a financial hardship adds another level of stress to an already trying\nsituation. You don\u2019t want to move, but your choice is being taken away.<\/p>\n\n\n\n<p>If your home is <a href=\"https:\/\/www.usa.gov\/foreclosure\">foreclosed<\/a> on, not only will you have to move, but your credit score will also be affected.&nbsp; A foreclosure will cause your credit score to drop, and will have a lasting impact on your credit. <\/p>\n\n\n\n<p>Fortunately,\nif you are approved for a mortgage modification, you will not have to leave\nyour home against your will. You and your family will be able to stay in your family\nhome, in your neighborhood, and in your community. Your children will not have\nto change schools, and your commute won\u2019t be affected. Although a mortgage\nmodification may affect your credit score negatively, it will not have as\nsignificant of an impact as a foreclosure would have on your credit report. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mortgage Modification\nApplication Process<\/strong><\/h2>\n\n\n\n<p>Mortgage\nmodifications have to be applied for. In order to apply, there is paperwork\nthat needs to be filled out, and supporting documents that need to be provided.\nThe application can take one to three months or even longer to be approved. This\nmeans that you should reach out for help as soon as you think you will have\ndifficulty making your mortgage payment. The sooner you act, the better your\noptions will be. Acting quickly can help you avoid fees and penalties from accruing\non your account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Should I Hire a\nProfessional?<\/strong><\/h2>\n\n\n\n<p>Although\na professional cannot guarantee that your mortgage modification application\nwill be approved, there are many advantages to hiring a professional to\nrepresent you in your mortgage modification application. Some of these benefits\ninclude:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Taking the guesswork out of\nthe process<\/em>\n\u2013 a professional will tell you exactly what your mortgage company requires,\nwhich paperwork needs to be submitted, and when.<\/li><li><em>Easing your stress<\/em> \u2013 a professional will deal\nwith the mortgage company on your behalf, so you don\u2019t have to take time out of\nyour busy life waiting for a representative.<\/li><li><em>Protecting your rights<\/em> \u2013 professionals know your\nrights as a homeowner, and an attorney will make sure your rights are\nprotected.<\/li><li><em>Experience<\/em> \u2013 this could be your first\nmortgage modification, but for a professional, this could be their hundredth or\neven thousandth mortgage modification application.<\/li><li><em>Knowledge<\/em> \u2013 professionals know what\nyour options are, and can empower you to make the best decision for your\nparticular situation.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Attorney John S. Simonian<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.law-ri.com\/\">Attorney Simonian<\/a> has helped numerous families throughout Rhode Island and Massachusetts since he started practicing law over 26 years ago. His office handles dozens of mortgage modifications each year, and he has helped hundreds of clients throughout his career. Attorney Simonian has a lot of experience with mortgage modifications, and it is very likely that he has worked with your mortgage company in the past.<\/p>\n\n\n\n<p>There\nis no guarantee that you will receive a mortgage modification, but hiring\nAttorney Simonian will give you the best chance for your case. Hiring Attorney\nSimonian will take a lot of the guesswork out of the process, and a lot of the\nstress out of the situation. Attorney Simonian will tell you exactly what\ndocuments you need to submit, and what information you need to provide. The\noffice will handle all of the calls and communications with the mortgage\ncompany, so you know everything will be fully documented. Further, Attorney\nSimonian knows your rights, so you can be sure that your rights as a homeowner\nare being protected under the law. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Have any Questions?<\/strong><\/h2>\n\n\n\n<p>Please reach out to Attorney John S. Simonian with any questions that you may have. Attorney Simonian offers a free initial consultation to discuss your personal options.  His office can be reached at (401) 467-7998.<\/p>\n\n\n\n<p>For further information on mortgage or loan modifications, please take a look around our <a href=\"http:\/\/mortgagemodificationri.com\/blog\/\">mortgage modification blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you having difficulty making your mortgage payments? Are you experiencing a financial hardship? Do you worry that you will lose your home to foreclosure? Are you interested in learning what your options are? Financial situations can change, sometimes unexpectedly. &hellip;<a class=\"rm\" href=\"http:\/\/mortgagemodificationri.com\/blog\/2019\/02\/07\/mortgage-modification-lawyer\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":489,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[60,3],"tags":[93,94,41,92,77,54,24,91,61],"class_list":["post-474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-modification","category-mortgage-modification","tag-avoid-foreclosure","tag-become-current-on-mortgage","tag-cant-pay-mortgage","tag-lower-monthly-bills","tag-lower-mortgage","tag-mortgage-modification-attorney","tag-mortgage-modification-center","tag-mortgage-modification-lawyer","tag-rhode-island-mortgage-help"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortage Modification Lawyer &#8226; The Mortgage Modification Center &#8226; RI<\/title>\n<meta name=\"description\" content=\"Attorney John S. 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