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We are here to help!
Making Home Affordable Programs
In February of 2009 President Obama enacted legislation to help American homeowners restore affordability to homeownership. The Making Home Affordable Modification and Refinance Programs are available to all homeowners regardless of equity or credit score.
Simply put… if you are experiencing a hardship, loss of a job or reduced hours, illness, injury or an increase in your expenses, and your mortgage payment ( including principal, taxes, insurance and HOA fees) exceeds 31% of your income– these programs have been designed to help you. For example...
|
Total Household Income
(Gross) |
Monthly Payment
(Total) |
|
$ 2,000 |
$ 620 |
|
$ 2,500 |
$ 775 |
|
$ 3,000 |
$ 930 |
|
$ 3,500 |
$ 1,085 |
|
$ 4,000 |
$ 1,240 |
Acceptable Hardship Situations:
Unemployed or Underemployed
Illness/Injury
Loss of or Reduced Benefits
Reduced Child Support/Alimony
Loss of Business Income (Self Employed)
Increased Expenses
HOA Fee Increase or Assessment
Increase In Taxes/Insurance
We are an established company with over 30 years as a leader in the mortgage industry and an A+++ rating with the Better Business Bureau. We process Mortgage Modification applications on a daily babsis working with local Attorneys and homeowners and we are here to help you!
Please contact:
Monica Matthews
Hablo Español
Direct: (561) 491-1691
Toll Free: 800-416-0793 x221
Email: monica@guardianfinancialnetwork.com
Pat Tracey
Direct: (561) 351-8000
Toll Free: 800-416-0793 x203
Email: pat@guardianfinancialnetwork.com
These programs are available for a limited
time so act now and start saving more
of the money your family needs now!
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PRESS RELEASES:
WASHINGTON – As part of an ongoing effort to expand relief to struggling homeowners, Treasury released today the Supplemental Directive for its Home Price Decline Protection (HPDP) program, a component of the Home Affordable Modification Program (HAMP). HPDP provides additional incentive payments for modifications on properties located in areas where home prices have recently declined. The purpose of the program is to encourage additional lender participation and HAMP modifications in areas with recent price declines by helping to offset any incremental collateral loss on modifications that do not succeed. HPDP will help ensure that borrowers in areas with recent home price declines have the opportunity to stay in their homes, thereby minimizing foreclosures, which further depress home values.
WASHINGTON- New FHA guidelines projected to help thousands avoid foreclosure per year WASHINGTON - U.S. Department of Housing and Urban Development Secretary Shaun Donovan today announced the Federal Housing Administration (FHA) has implemented changes to its loan modification program to ensure consistency with the Obama Administration's Home Affordable Modification Program. By August 15, FHA borrowers will be able to significantly reduce their monthly mortgage payments by seeking a loan modification through their current mortgage company or loan servicer under the new FHA-Home Affordable Modification Program (FHA-HAMP).
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