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One phone call won’t get you relief, but it will get you answers.

Like hundreds of thousands of hard-working, home-owning Americans, you’re trying to stretch your income every month to include all your payments and your home mortgage. Your also probably getting junk mail every day urging you to pursue a loan or mortgageanchor text modification. These letters typically come in brown, official-looking, pay-stub style envelopes with tear-away sides. They tell you help is “just one phone call away.” Don’t believe it.

Although help is not “just a phone call away,” Able Financial Solutions can get you started on your path to a beneficial loan modification with this type of first contact. Our tried-and-true system for securing advantageous loan modifications takes about 6 weeks to complete, and we’ll stay engaged with you throughout this process to ensure that you’re making the right decisions along the way.

The Able Financial Solution — Your 45 Day Timeline Day 1: Give us a call and start the process today.

We’ll need between 20 and 30 minutes to talk through your personal situation and assess the various modification options available to you.

Days 2 thru 6: Complete your loananchor text modification application.

Working intimately with you, we will compile all of the necessary documentation, and we’ll help you craft an application that is powerful, persuasive and personal: The 3 “P’s” of every successful loan mod submission.

Day 7: Submit your application.

With your paperwork in order, and your personal story in writing, we will submit your application for lender approval.

Days 8 thru 44: Diligence.

The loan modification process can be an extremely stressful time. This period is only made worse by the application review departments of most lenders, which tend to be over-worked, under-staffed and extremely difficult. It is during this 3 to 5 week period that you’ll most appreciate Able Financial Solutions. We’ll keep the pressure on your mortgage lender, who is required by law to acknowledge your application in writing within 20 days, and respond with a final ruling within 60 days. Without pressure, however, review departments often fail to meet these legally-sanctioned deadlines. We’ll make sure they know that they can’t place your application on the back burner.

We’ll advise and counsel you on the decisions you need to make while your application is under review. How can you reduce the impact of a modification on your credit score? How should you handle late fees and penalties on your mortgage payments? Each homeowner’s situation is unique, and the loan modification process does invariably involve some nerve-wracking decisions and calculated risks. We can help you weigh each of these trade-offs and make the right decision for your circumstances.

Days 45: Results.

Your lender will provide us with the documentation required to complete your loan modification. The terms, rate, time-frame and monthly payment will all be settled via personal calls or meetings with you. We’ll help you complete your modification and set you on a path to financial stability.

Is a loan modification the right path for you? Learn more about your options with our special piece: The Seven Ways To Swim When You’re “Under Water” or read about your lender’s Assessment Criteria for a Load Modification.