Loan Modificaion

Loan Modification Solutions

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Even if you have turned down for a Loan Modification in the past, we can help.  Our firm is used to dealing with Banks and Loan Servicers to get loans modified.  If you are tired of dealing with the games your loan servicer is playing we can cut through the nonsense to get an answer on a Modification on your home loan.

We start by reviewing your situation to go over all of your options.  We determine your debt-to-income ratio prior to submitting any paperwork to the bank.  When you are a prime candidate for a loan modification, we will explain why you are and go over in detail what the next steps are.  If you have tried to apply for Loss Mitigation in the past with your bank we will go over all of your previous filings to see what could have caused the bank to refuse to modification.

A loan modification is different than a refinance as it changes the terms of the current loan and does not require the same credit level. As a borrower, you have to show that you will have enough income to make the payments.  If you do not have enough income, we will explore other options such as getting a contributor to help you make the payments or look into other ways to increase your income. Loan modification is normally just one of many options that banks will allow under loss mitigation.  Other options include short sales, deed-in-lieu of foreclosure or even an outright sale to take your equity out of the home to buy a more affordable home.

Loan modification is designed to help homeowners like you who have had some kind of bad luck that caused you t fall behind on your payments.  Whether your situation is temporary or permanent  you may qualify for a loan modification.  It is possible that your interest will be higher, your loan payment term may be longer or even a portion of what you owe will be but on the back end of the loan as a balloon payment.

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We look forward to hearing from you. Please feel free to get in touch via the form. We will get back to you shortly.  Call us at (844) 533-3367 or to contact us directly by email please use:

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We have over 30 years of legal experience. 

We understand that nothing is more important than the emotional, financial and spiritual health of your family, through its many transitions. We are here to help you. The mission of PCB Law offices is to provide our clients with the best legal advice possible.

Freehold, NJ - For Mail and Service

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(844) 533-3367

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Address For Service

1 Broad St #5
Freehold, NJ 07728

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Office located in Jersey City, NJ; Freehold, NJ; Hackensack, NJ; Brooklyn, NY; Bronx, NY; Rochester, NY along with 5 affiliate offices in India.


We have agents manning phones 24 hours a day for emergencies. 

The Law Offices of Patel, Cardenas, & Bost provide probate, real estate, litigation, cannabis, entertainment, immigration, bankruptcy, foreclosure and loan modification representation to clients throughout the State of New Jersey and New York area with offices in Jersey City, Freehold, Hackensack, The Bronx, Brooklyn, and Rochester. This website is a Legal Advertisement. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney client relationship. We are attorneys, but we are not your attorneys until a retainer has been signed.

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