Identify Loan Modification Scams

Important: The content below is not professional advice, including legal, financial or advice as a foreclosure consultant.

What to look out for when evaluating a service
The media would have you believe that any service offering help with your mortgage outside a government agency is looking to swindle desperate home owners. Why? Well we all know too well that the media loves to sensationalize a scandle but never a success. Yes, like all industries their are bad players but the majority of them are doing good by the homeowner. Part of what iHomesavers does is put you in touch with reputable companies. However, as you do your research here are a few red flags to identify the bad.

Company claims they can stop or delay foreclosure.
Although that is clearly the goal of any foreclosure prevention service, there should be no claim that they can stop or delay foreclosures 100% of the time, or with a simple call to their "connections". Some companies will make it sound like it is a done deal so long as you sign on the dotted line. Do not believe it.

Money Back Guarantee.
Do any of us really trust guarantees these days? Many companies will claim to have a money back guarantee; if they can't help you they will refund your fees. Be very skeptical of these guarantees. Some companies will hold your money, claim that yours is a done deal, and then a day before foreclosure they call and say everything fell through. You're now stuck with whatever high priced option they come up with. Time is your most important tool, so do not let a company take your money and drag out the process for weeks on end. Set your own timeline to have a signed deal from YOUR LENDER well in advance of your foreclosure date.

Company has no phone number or physical address.
One quick way to identify that you are dealing with a suspicious company is to evaluate their website. If they have "ad only pages", a lack of content, no website terms of use, or privacy policy - Leave. If they have no physical address or phone number leave.
- HEY iHomesaver does not have a phone number! Correct, we are totally up front about this, we are NOT a financial service, therefore we do not list a phone number on our website as this would lead to consumers calling us for financial consultations. We process all free consultation requests via our website forms so there is no confusion between us and the professional consultant we will put you in touch with.

Company wants large amount of money upfront.
All Government programs are free of cost (contact them here) so do not let a company charge you a fee to put you into a Government based program. Companies can't be expected to work for free, nor should they charge full price before services are performed. A respectable service should ask for a nominal fee to start their service with final payments being paid after all services have been performed.

Check out companies before you do business with them
Before you use any service be sure to check with the FTC at http://www.ftc.gov and your local BBB http://www.bbbonline.com.

Be aware that one tactic used by bad companies is to use a similar name of a well known, good company. Another unfortunate tactic is for a bad company to go to ""consumer complaint forums" and file a great number of false complaints. This is intentional slander, but it is difficult to stop. If you are reading a consumer complaint forum, double check to see how easy it is to post a complaint. If complaints can be filed without any verification then it is likely the site is full of false complaints. Again, the BBB or a local chamber of commerce is the best choice to review valid consumer feedback on a company.

If you do not qualify for a Government based homeowners program and you want to understand what other options are available to you we will connect you with a free consultation. Just provide the details on your situation below and a home foreclosure prevention expert will contact you and answer all your questions.

	Please provide the details of your situation so a foreclosure expert can quickly review your case and provide you with realistic options to save your home.
	First name:  Last name:  Address:  City:  State:  Select state Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip:  email :   Home phone:  - - Work phone:  - - Contact me at:  Select time Now Primary Phone Now Alt Phone Alt Phone PM Alt Phone AM Primary Phone PM Primary Phone AM  Title Holder is 62 or older? Yes No Your Expenses and Income About your home and mortgage Are you employed?:  Yes No Your mortgage company: Bankruptcy in last 3 years? Yes No How late is your mortgage:  Please select Not late yet 1 month 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9+ months If so, what chapter? No Bankruptcy Chapter 7 Chapter 11 Chapter 13 Have you received a Notice of Default? Yes No Monthly income: Do you have a foreclosure sale date? MM/DD/YYYY Monthly Mortgage Payment:  Loan Type:  Please Select Conventional FHA Loan VA Loan Other Total Credit Card Debt: Please select None $3,501-$4,000 $4,001-$4,500 $4,501-$5,000 $5,001-$6,000 $6001- $7,000 $7,001-$8,000 $8,001-$9,000 $9,001-$10,000 $10,001-$12,500 $12,501-$15,000 $15,001-$17,500 $17,501-$20,000 $20,001-$22,500 $22,501-$25,000 $25,001-$27,500 $27,501-$30,000 $30,001-$32,500 $32,501-$35,000 $35,001-$37,500 $37,501-$40,000 $40,001-$42,500 $42,501-$45,000 $45,001-$47,500 $47,501-$50,000 $50,001-$52,500 $52,501-$55,000 $55,001-$57,500 $57,501-$60,000 $60,001-$62,500 $62,501-$65,000 $65,001-$67,500 $67,501-$70,000 $70,001-$72,500 $72,501-$75,000 $75,001-$77,500 $77,501-$80,000 $80,001-$82,500 $82,501-$85,000 $85,001-$87,500 $87,501-$90,000 $90,001-$92,500 $92,501-$95,000 $95,001-$97,500 $97,501 -$100k $100k - $150k $151k - $200k Over $200,000 Home Type:  Please Select Single Family Multi-Family Condominium Town Home Mobile Home Manufactured Home Total monthly expenses:  Homes value:  Please select None $10,000-$12,499 $12,500-$14,999 $15,000-$17,499 $17,500-$19,999 $20,000-$22,499 $22,500-$24,999 $25,000-$27,499 $27,500-$29,999 $30,000-$32,499 $32,500-$34,999 $35,000-$37,499 $37,500-$39,999 $40,000-$42,499 $42,500-$44,999 $45,000-$47,499 $47,500-$49,999 $50,000-$52,499 $52,500-$54,999 $55,000-$57,499 $57,500-$59,999 $60,000-$62,499 $62,500-$64,999 $65,000-$67,499 $67,500-$69,999 $70,000-$72,499 $72,500-$74,999 $75,000-$77,499 $77,500-$79,999 $80,000-$82,499 $82,500-$84,999 $85,000-$87,499 $87,500-$89,999 $90,000-$92,499 $92,500-$94,999 $95,000-$97,499 $97,500-$99,999 $100,000-$102,499 $102,500-$104,999 $105,000-$107,499 $107,500-$109,999 $110,000-$112,499 $112,500-$114,999 $115,000-$117,499 $117,500-$119,999 $120,000-$122,499 $122,500-$124,999 $125,000-$127,499 $127,500-$129,999 $130,000-$132,499 $132,500-$134,999 $135,000-$137,499 $137,500-$139,999 $140,000-$142,499 $142,500-$144,999 $145,000-$147,499 $147,500-$149,999 $150,000-$152,499 $152,500-$154,999 $155,000-$157,499 $157,500-$159,999 $160,000-$162,499 $162,500-$164,999 $165,000-$167,499 $167,500-$169,999 $170,000-$172,499 $172,500-$174,999 $175,000-$177,499 $177,500-$179,999 $180,000-$182,499 $182,500-$184,999 $185,000-$187,499 $187,500-$189,999 $190,000-$192,499 $192,500-$194,999 $195,000-$197,499 $197,500-$199,999 $200,000-$202,499 $202,500-$204,999 $205,000-$207,499 $207,500-$209,999 $210,000-$212,499 $212,500-$214,999 $215,000-$217,499 $217,500-$219,999 $220,000-$222,499 $222,500-$224,999 $225,000-$227,499 $227,500-$229,999 $230,000-$232,499 $232,500-$234,999 $235,000-$237,499 $237,500-$239,999 $240,000-$242,499 $242,500-$244,999 $245,000-$247,499 $247,500-$249,999 $250,000-$252,499 $252,500-$254,999 $255,000-$257,499 $257,500-$259,999 $260,000-$262,499 $262,500-$264,999 $265,000-$267,499 $267,500-$269,999 $270,000-$272,499 $272,500-$274,999 $275,000-$277,499 $277,500-$279,999 $280,000-$282,499 $282,500-$284,999 $285,000-$287,499 $287,500-$289,999 $290,000-$292,499 $292,500-$294,999 $295,000-$297,499 $297,500-$299,999 $300,000-$302,499 $302,500-$304,999 $305,000-$309,999 $310,000-$314,999 $315,000-$319,999 $320,000-$324,999 $325,000-$329,999 $330,000-$334,999 $335,000-$339,999 $340,000-$344,999 $345,000-$349,999 $350,000-$354,999 $355,000-$359,999 $360,000-$364,999 $365,000-$369,999 $370,000-$374,999 $375,000-$379,999 $380,000-$384,999 $385,000-$389,999 $390,000-$394,999 $395,000-$399,999 $400,000-$404,999 $405,000-$409,999 $410,000-$414,999 $415,000-$419,999 $420,000-$424,999 $425,000-$429,999 $430,000-$434,999 $435,000-$439,999 $440,000-$444,999 $445,000-$449,999 $450,000-$454,999 $455,000-$459,999 $460,000-$464,999 $465,000-$469,999 $470,000-$474,999 $475,000-$499,999 $500,000-$524,999 $525,000-$549,999 $550,000-$574,999 $575,000-$599,999 $600,000-$624,999 $625,000-$649,999 $650,000-$674,999 $675,000-$699,999 $700,000-$724,999 $725,000-$749,999 $750,000-$774,999 $775,000-$799,999 $800,000-$824,999 $825,000-$849,999 $850,000-$874,999 $875,000-$899,999 $900,000-$924,999 $925,000-$949,999 $950,000-$974,999 $975,000-$999,999 Over 1,000,000     Mortgage Balance: Please select None $10,000-$12,499 $12,500-$14,999 $15,000-$17,499 $17,500-$19,999 $20,000-$22,499 $22,500-$24,999 $25,000-$27,499 $27,500-$29,999 $30,000-$32,499 $32,500-$34,999 $35,000-$37,499 $37,500-$39,999 $40,000-$42,499 $42,500-$44,999 $45,000-$47,499 $47,500-$49,999 $50,000-$52,499 $52,500-$54,999 $55,000-$57,499 $57,500-$59,999 $60,000-$62,499 $62,500-$64,999 $65,000-$67,499 $67,500-$69,999 $70,000-$72,499 $72,500-$74,999 $75,000-$77,499 $77,500-$79,999 $80,000-$82,499 $82,500-$84,999 $85,000-$87,499 $87,500-$89,999 $90,000-$92,499 $92,500-$94,999 $95,000-$97,499 $97,500-$99,999 $100,000-$102,499 $102,500-$104,999 $105,000-$107,499 $107,500-$109,999 $110,000-$112,499 $112,500-$114,999 $115,000-$117,499 $117,500-$119,999 $120,000-$122,499 $122,500-$124,999 $125,000-$127,499 $127,500-$129,999 $130,000-$132,499 $132,500-$134,999 $135,000-$137,499 $137,500-$139,999 $140,000-$142,499 $142,500-$144,999 $145,000-$147,499 $147,500-$149,999 $150,000-$152,499 $152,500-$154,999 $155,000-$157,499 $157,500-$159,999 $160,000-$162,499 $162,500-$164,999 $165,000-$167,499 $167,500-$169,999 $170,000-$172,499 $172,500-$174,999 $175,000-$177,499 $177,500-$179,999 $180,000-$182,499 $182,500-$184,999 $185,000-$187,499 $187,500-$189,999 $190,000-$192,499 $192,500-$194,999 $195,000-$197,499 $197,500-$199,999 $200,000-$202,499 $202,500-$204,999 $205,000-$207,499 $207,500-$209,999 $210,000-$212,499 $212,500-$214,999 $215,000-$217,499 $217,500-$219,999 $220,000-$222,499 $222,500-$224,999 $225,000-$227,499 $227,500-$229,999 $230,000-$232,499 $232,500-$234,999 $235,000-$237,499 $237,500-$239,999 $240,000-$242,499 $242,500-$244,999 $245,000-$247,499 $247,500-$249,999 $250,000-$252,499 $252,500-$254,999 $255,000-$257,499 $257,500-$259,999 $260,000-$262,499 $262,500-$264,999 $265,000-$267,499 $267,500-$269,999 $270,000-$272,499 $272,500-$274,999 $275,000-$277,499 $277,500-$279,999 $280,000-$282,499 $282,500-$284,999 $285,000-$287,499 $287,500-$289,999 $290,000-$292,499 $292,500-$294,999 $295,000-$297,499 $297,500-$299,999 $300,000-$302,499 $302,500-$304,999 $305,000-$309,999 $310,000-$314,999 $315,000-$319,999 $320,000-$324,999 $325,000-$329,999 $330,000-$334,999 $335,000-$339,999 $340,000-$344,999 $345,000-$349,999 $350,000-$354,999 $355,000-$359,999 $360,000-$364,999 $365,000-$369,999 $370,000-$374,999 $375,000-$379,999 $380,000-$384,999 $385,000-$389,999 $390,000-$394,999 $395,000-$399,999 $400,000-$404,999 $405,000-$409,999 $410,000-$414,999 $415,000-$419,999 $420,000-$424,999 $425,000-$429,999 $430,000-$434,999 $435,000-$439,999 $440,000-$444,999 $445,000-$449,999 $450,000-$454,999 $455,000-$459,999 $460,000-$464,999 $465,000-$469,999 $470,000-$474,999 $475,000-$499,999 $500,000-$524,999 $525,000-$549,999 $550,000-$574,999 $575,000-$599,999 $600,000-$624,999 $625,000-$649,999 $650,000-$674,999 $675,000-$699,999 $700,000-$724,999 $725,000-$749,999 $750,000-$774,999 $775,000-$799,999 $800,000-$824,999 $825,000-$849,999 $850,000-$874,999 $875,000-$899,999 $900,000-$924,999 $925,000-$949,999 $950,000-$974,999 $975,000-$999,999 Over 1,000,000 Comments to help us understand your situation: 250 characters left.