Welcome to Certified Legal Loans!

PROCESS OVERVIEW Our loan modification process involves presenting your lender with a compelling file documenting your ability and willingness to pay your monthly debt, without fail, including your mortgage. During your consultation, our specialists will ask you a series of questions concerning your circumstances. Not all clients are in the same situation; therefore we do not ask the same questions of every client we work with. The following is a sample of some of the things we may ask in order to determine what plan may be suitable for you: Delinquency – Questions concerning the amount you currently owe on your loan, how many months you are past due, the name of your lender, how many mortgages you have on your property, etc. Financial Obligations – Questions concerning your financial obligations including recurring monthly bills and expenses associated with your current cost of living. Employment & Income – Questions regarding your employment status, income levels, sources of income, etc. Once we have obtained all pertinent information have properly assessed your financial position and foreclosure information, we should then have a clear feel for where you stand and if we think we can help. We then convince your lender that interest rate reduction, delinquent payment negotiation, and adjustable rate conversion is in the favor of the investor for whom they work. Their goal is to have as many money-producing contracts as possible – our goal is to keep you in your home. Real Results! Click here to learn more...