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Loan Modification Attorneys in San Diego

The idea of losing your home is difficult to handle, so you shouldn’t have to cope with it alone. With an experienced loan modification attorney, you can prevent losing your home, and modify your loan to an amount you can afford. We have processed numerous loan modifications, which have helped people who have struggled with their mortgage.

In any unstable economy, many homeowners find themselves victim to the real estate crisis and to unethical real estate agents or attorney backed companies who represent themselves as lawyers offering loan modification
services. At Garmo and Garmo, LLP, we offer this service to our clients, and will work with you for real results. Our office is able to accomplish this with a simple flat fee, most of which is refundable to you if we are not able to get your loan modified and no fee is ever requested to begin the case.

Simply put, a loan modification is a permanent change in one or more of the terms of a borrower’s loan. In recent years, several programs have been set up to make loan modifications more easily accessible. A successful modification allows a loan that has been defaulted to be reinstated, and results in a modification to a loan payment the borrower can afford.

Mortgages are modified to the benefit of the borrower in one or more of the following ways:

  • Reduction in interest rate, or a change from a floating to a fixed rate, or in how the floating rate is computed
  • Reduction in principal
  • Reduction in late fees or other penalties
  • Lengthening of the loan term
  • Capping the monthly payment to a percentage of household income
  • Mortgage forbearance program

The problem most people face when trying to modify their loan without an attorney is dealing with their lender. Normally, this is a conventional bank. The bank is processing thousands of modification applications simultaneously and you become a number to them. It is difficult to contact them and to get any progress. Our office is experienced and aggressive in dealing with banks and other lenders who make the process tricky. We know how the banks and lenders operate and can expedite the process. Our experience allows us to get your loan modified and approved quickly, with terms you will be happy with.

More Information:

For more information regarding a Loan Modification, please call Garmo and Garmo, LLP at 619-441-2500 for a free consultation or send us a message for a free case evaluation.

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Garmo & Garmo, LLP office update (January 4, 2021)

Garmo & Garmo, LLP’s physical office is open to assist you with your legal needs.  We are following the strict guidelines established by the Centers for Disease Control (CDC), State of California and County of San Diego.  Unless necessary, in-person meetings will not be held in our office.  Our office can conduct phone meetings or video meetings with clients/visitors.  Please note the local San Diego courts are open for most business operations. 

Please consider the following if you must come to our physical office:

  1. All clients/visitors must wear facial coverings at all times while in our office.
  2. All clients/visitors must practice social distancing while in our office.  This includes maintaining a minimum of six feet from our staff and others.
  3. For the safety of our staff and others, all sick clients/visitors may not enter our office.
  4. All clients/visitors will have their temperature taken when they enter our office.
  5. Please do not enter our office if you have any of the following symptoms:

    • Fever or chills
    • Cough
    • Shortness of breath
    • Fatigue
    • Muscle or body aches
    • Headache
    • New loss of taste or smell
    • Sore throat
    • Congestion or runny nose
    • Nausea or vomiting
    • Diarrhea

We are closely monitoring the latest advisories from the Centers for Disease Control (CDC), State of California, County of San Diego and the local court system. We will update our policies as we receive new information.

We appreciate your patience and confidence in Garmo & Garmo, LLP’s ability to serve you.