Schedule your free

mortgage adjustment

consultation today!

You may qualify for a mortgage adjustment and not even know it! One of our experts at Universal Legal Advocacy can meet with you to determine your eligibility and discuss your options.

Are you eligible for a mortgage adjustment?

You may be eligible for a mortgage adjustment if your current interest rate is higher than 3%, your income decreased due to COVID-19, you have negative equity, you’re facing financial hardship or a medical situation, you have an Adjustable-Rate Mortgage, or you’re just struggling to make your payments. Schedule your free consultation today to determine your eligibility!

*There’s no obligation or cost to speak to one of our seasoned counselors. You’ll leave your consultation aware of all your options to help you start planning your next steps.

Are you eligible for a mortgage adjustment?

You may be eligible for a mortgage adjustment if your current interest rate is higher than 3%, your income decreased due to COVID-19, you have negative equity, you’re facing financial hardship or a medical situation, you have an Adjustable-Rate Mortgage, or you’re just struggling to make your payments. Schedule your free consultation today to determine your eligibility!

*There’s no obligation or cost to speak to one of our seasoned counselors. You’ll leave your consultation aware of all your options to help you start planning your next steps.

Do you qualify for a mortgage adjustment?

Does your mortgage currently have an interest rate of 3% or more?
Has COVID-19 reduced your income?
Do you have an Adjustable-Rate Mortgage (ARM)?
Does your mortgage have an upcoming balloon payment?
Did property values drop in your area?
Do you have negative equity in your home?

Are you still overpaying on your mortgage even after receiving federal funds from the COVID-19 Stimulus/Paycheck Protection Program?
Do you struggle to make your mortgage payments regularly?
Is your mortgage company giving you the ‘runaround’?
Have you received Foreclosure or Notice of Default paperwork?

If you answered “yes” to any of the above questions, you may be eligible to restructure your mortgage. Schedule a free consultation with a member of our team to determine your eligibility!

*There’s no obligation or cost to speak to one of our seasoned counselors. You’ll leave your consultation aware of all your options to help you start planning your next steps.

Do you qualify for a mortgage adjustment?

Does your mortgage currently have an interest rate of 3% or more?
Has COVID-19 reduced your income?
Do you have an Adjustable-Rate Mortgage (ARM)?
Does your mortgage have an upcoming balloon payment?
Did property values drop in your area?
Do you have negative equity in your home?

Are you still overpaying on your mortgage even after receiving federal funds from the COVID-19 Stimulus/Paycheck Protection Program?
Do you struggle to make your mortgage payments regularly?
Is your mortgage company giving you the ‘runaround’?
Have you received Foreclosure or Notice of Default paperwork?

If you answered “yes” to any of the above questions, you may be eligible to restructure your mortgage. Schedule a free consultation with a member of our team to determine your eligibility!

*There’s no obligation or cost to speak to one of our seasoned counselors. You’ll leave your consultation aware of all your options to help you start planning your next steps.

Federal relief for mortgages

If you answered “yes” to any of the above questions, you may be eligible to restructure your mortgage. Schedule a free consultation with a member of our team to determine your eligibility!

YOU MUST MEET THESE FACTORS TO QUALIFY:

You live at the property you claim as your primary residence

Your loan balance (including second mortgages) is less than $730,000

You earn money through a job, unemployment, or Social Security

Additional factors based on your financial status

Federal relief for mortgages

If you answered “yes” to any of the above questions, you may be eligible to restructure your mortgage. Schedule a free consultation with a member of our team to determine your eligibility!

YOU MUST MEET THESE FACTORS TO QUALIFY:

You live at the property you claim as your primary residence

Your loan balance (including second mortgages) is less than $730,000

You earn money through a job, unemployment, or Social Security

Additional factors based on your financial status

TESTIMONIALS

Don’t just take our word for it. Read what people have to say!

"Thanks to Universal Legal Advocacy my husband and me have been able to modify my mortgage. It was completed in 5 weeks total and I am saving $518/month. Thank you guys for a professional job, I could not have done this by myself."

"One of my co-workers referred me to your organization. After speaking with them they understood the challenges I had with my mortgage; they explained the program and what they could help with step-by-step. My mortgage was adjusted and I can now afford my payments much better. Appreciate it!"

"Due to COVID, I was laid off and permanently lost my old job. It took me 3 months to find a new job. During that time I could not afford my mortgage payment and was delinquent for 3 months. You helped me restructure my loan to make it more affordable and they reinstated my mortgage at a 2% interest rate. Thank you, much appreciated."

"It was easy for me to obtain the COVID stimulus check for my husband and myself, however little did I know that my mortgage could be adjusted to a much lower monthly payment. My bank initially told me that there was no program for me, however, Universal Legal Advocacy was able to get me approved for a lower rate and lower payment. They helped me negotiate 1 month grace period where no mortgage payment was due, so that additionally saved me 1 extra month of mortgage payment. My humble advice to other homeowners is don't believe your bank because they are only there to make money and cheat you out of the relief programs."

"It was a nightmare to deal with my bank; they always seem to lose my paperwork and asked me to send faxes over and over again. When I called them, nobody seems to know about my case or ask me to send an email and nobody responds, etc. What is a bank for if it does not really want to service their clients on their mortgage? When I was accepted by Universal Legal Advocacy the improve my mortgage; you guys are really professionals. My phone calls were returned, and I received email confirmations from the materials I forwarded to you. Also, your online client portal and help center was very useful because I was able to track my case every time I wanted to log in. Since my mortgage was modified, I have referred 2 other colleagues to your company who also were very happy with the results."

TESTIMONIALS

Don’t just take our word for it. Read what people have to say!

"Thanks to Universal Legal Advocacy my husband and me have been able to modify my mortgage. It was completed in 5 weeks total and I am saving $518/month. Thank you guys for a professional job, I could not have done this by myself."

"One of my co-workers referred me to your organization. After speaking with them they understood the challenges I had with my mortgage; they explained the program and what they could help with step-by-step. My mortgage was adjusted and I can now afford my payments much better. Appreciate it!"

"Due to COVID, I was laid off and permanently lost my old job. It took me 3 months to find a new job. During that time I could not afford my mortgage payment and was delinquent for 3 months. You helped me restructure my loan to make it more affordable and they reinstated my mortgage at a 2% interest rate. Thank you, much appreciated."