Phoenix and Scottsdale, Arizona Loan Modification Attorney

 What happens if you stop paying your home loans?

 Landlord/Tenant Law: Once you lose the home you literally become the tenant.

 A time line of what to expect.

 Are you exposed to a deficiency judgment for the first lender after a foreclosure, short sale or deed in lieu?

 How your credit may be effected and what measures you can take to mitigate the damage.

 Bankruptcy IssuesPhoenix_BAnkruptcy_Lawyer_,_Arizona_Bankruptcy_Attorney,_Phoenix_Debt_Relief,_Mesa_Bankruptcy_Advice.htmlshapeimage_1_link_0
A loan modification is a change in the loan contract agreed to by the lender and the borrower. A loan modification re-structures the terms of your existing mortgage to make your payments more affordable, which can help relieve the financial burden of the mortgage, resolve delinquency, and may even prevent foreclosure. With so much at stake it is important to have an experienced professional on your side to broker the negotiation with the lender. Life is unpredictable, and hardships such as unexpected lay-offs, medical bills and reduced overtime can occur, affecting your financial stability. If you have fallen behind, or are in jeopardy of losing your residential or commercial property due to financial hardship, contact the Law Office of Joseph Velez for a consultation.
Preventative Arizona Foreclosure Measures - Stop The Foreclosure Process:  
There are preventative measures that can be taken to avoid or postpone the foreclosure process. We work closely with each individual client to develop a strategy specific to their situation that works to achieve the most favorable loan modification result. Our mission is to provide our clients with proper legal advice and share our knowledge and expertise in the areas of real estate transactions, mortgage negotiations, loan modifications and debt settlement. The Law Office of Joseph Velez will analyze your specific situation, helping gain negotiating leverage on your behalf in order to outline an effective loan modification proposal for your lender.
Our office oversees the loan modification process through its entirety. Some loan modifications offered by mortgage lenders and loan servicing companies may be forbearance agreements and are not actual modifications to the terms of your loan. Additionally, caution should be exercised when providing documentation to lenders (such as tax returns) if you borrowed from lenders under stated income loan programs. These type of agreements should be thoroughly analyzed by an attorney. Arizona foreclosure attorney, Joseph Velez can help you fully understand the terms and ramifications of "loan modification" documents. There simply is not one right solution for everyone, and your plan of action cannot be crafted without thoroughly analyzing your financial situation, loan documents and legal rights.
Arizona Mortgage Rate Reduction and Loan Restructuring Professionals
With the help of The Law Office of Joseph Velez, you may be able to retain ownership of your home and obtain a reduction in your monthly mortgage payments. Our mission is to provide our clients with quality legal advice and expertise in the areas of Scottsdale real estate transactions, Arizona mortgage negotiations, Tempe loan modifications and Phoenix debt settlement. It is best to act quickly before the foreclosure proceedings progress. If you feel you are close to losing your home to a foreclosure call The Law Office of Joseph Velez for a consultation.Phoenix,_Arizona_Foreclosure_Attorney,_Phoenix_Foreclosure_Assistance,_Phoenix_Trustee_Sale_Advice.htmlhttp://www.arizonaemploymentattorney.netPhoenix_BAnkruptcy_Lawyer_,_Arizona_Bankruptcy_Attorney,_Phoenix_Debt_Relief,_Mesa_Bankruptcy_Advice.htmlshapeimage_2_link_0shapeimage_2_link_1shapeimage_2_link_2

Factors to Consider in an Arizona Foreclosure

Law Office Of

Joseph A. Velez


Real Estate & Business Law Attorney

The Law Office of Joseph Velez

Commercial Real Estate & Business Law Attorney

Scottsdale Financial Center

7272 E. Indian School Rd., Suite 111

Scottsdale, Arizona 85251


Our law office represents clients throughout the Phoenix, Arizona area including the cities of Scottsdale, Maricopa, Mesa, Surprise, Paradise Valley, Avondale, Gilbert, Chandler, Glendale, Florence, New River, Fountain Hills, Peoria, Surprise, Queen Creek, Tempe, Sun City, Apache Junction, and Casa Grande. We serve the counties of Maricopa, Yavapai, Gila, Pinal, La Paz, Yuma, and Pima County.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

One hour initial office consultation fee is $295 for the matters discussed above.