We are so glad that you are taking that tough first step to improve your financial situation! We understand how hard that is to do and promise to work with you in order to resolve your situation.

Help for Homeowners Refinance Program Eligibility
Under the Homeowner Affordability and Stability Plan, eligible borrowers who stay current on their mortgages but have been unable to refinance to lower their interest rates because their homes have decreased in value, may now have the opportunity to refinance into a 30 or 15 year, fixed rate loans.

  • The mortgage balance is less than or equal to 105% of the home value.
  • Loans held or securitized by Fannie Mae or Freddie Mac.
Home Affordable Modification Program Eligibility
  • The mortgage loan is a first lien conventional mortgage.
  • loan originated on or before January 1, 2009.
  • The mortgage loan has not been previously modified under the HAMP.
  • The mortgage loan is delinquent or default is reasonably foreseeable; mortgage loans currently in foreclosure are eligible.
  • The mortgage loan is secured by a one- to four-unit property, one unit of which is the borrower’s principal residence.
  • The property is owner occupied.
  • A borrower actively involved in a bankruptcy proceeding is eligible for the HAMP at the servicer’s discretion.
  • The borrower currently has a monthly mortgage payment ratio greater than 31 percent.

Find out if you are eligible for the government loan modification and refinance program.

One Call Home Help can help!

There are many other loss mitigation programs that lenders offer even if you may not qualify for the government program. There are even programs for the investors. We add value in the loan modification process by providing expert analysis of your situation and by producing necessary documents that are requested by the lenders. Total wait time during a typical loan modification negotiation is 4.6 hours to 11.6 hours. While you can negotiate with your lender yourself, we try to make this very long process as easy as possible for you. We will help you the best way we can so that you get the modification you want.  OCHH specialists understand your concerns and are familiar with many options available for you to save your home. We will run a budget analysis and negotiate with you lenders. To set up a FREE consultation with our specialists, please complete the form below or call us during business hours.

1-877-824-6234 (Monday - Friday 9 am - 5 pm CST)

Once we start the negotiation process with your lender, your lender requests following documents. Please locate these documents in order to expedite the negotiation process.

  • Mortgage Statements
  • Proof of income (Most recent paystubs, Social Security statement or bank statement)
  • Proof of income of other people living in household (if applicable)
  • Last year’s Federal Income Tax Return
  • Any correspondence from the mortgage company or its attorney that the courts or sheriff regarding foreclosure

Call us today 1-877-824-6234 or let our Financial Solutions Specialists contact you.
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Not all borrowers will qualify for a mortgage loan modification through One Call Debt Help, LLC. , and One Call Debt Help does not guarantee any specific modification results. Enrollment and modification results are subject to qualification and acceptance into the One Call Debt Help modification program. Actual results will vary based on individual situations and lenders, the current terms of your mortgage, and your ability to meet the terms of your modified mortgage. A loan modification is not a guarantee against foreclosure if you fail to meet the terms of your modified mortgage.