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MRJ Financial Solutions

National Headquarters

Washington State

Message Center (888) 400 8075

Fax (360) 385 9532

MRJ Financial Solutions

We Specialize in Home Modifications, Credit Repair and Private Money Financing. Through our combined disciplines and extensive experience we are able to close modifications, lower monthly payments, reduce and eliminate foreclosures, repair our clients credit problems and assist the growing business community with private money financing in support of New Construction and Business Expansion.

Every home owner has the option and the right to deal direct with their lender in an effort to qualify for a modification and to lower their monthly payments. Simply, if that doesn't work and it isn't already to late, our team will immediately step in with our experience and expertise to clarify if you do or do not qualify for a modification and mortgage payment reduction. This process is more often than not a subject of contention between the home owner and the lender. Our experienced legal strategy makes the difference.

It's extremely important that you find out up front from your lender if your application is denied do you have the option to re-apply. Depending on the lender you may only have one opportunity to save your home and reduce your monthly payments and/or be forced into foreclosure during your trial payment period. This also may result in personal bankruptcy.

Our modification team is made up of a group of highly disciplined financial specialists backed by legal counsel and banking Industry consultants. We are a results driven company and we offer all our clients a complete no-obligation consultation free of charge. We do charge a consulting fee for our services of which we will be fully disclosed to you once we clarify if you do qualify for a modification and based on our team participation.

Modification News Update

Home Modification Research!

Many of the lenders that received federal funds for home modifications are not using the funds as intended. If you are considering a Home Modification because you have lost income and your current mortgage payments are too high, we caution you to be careful dealing direct with your lender.

Many lenders are moving ahead with foreclosure while clients are paying trial home modification payments in good faith. Be careful to make sure that your lender is handling the modifications as the federal government had intended. This will not be easy without the knowledge and expertise.

Your modification process isn't just about filling out a form and submitting it to the lender for their approval or disapproval, it's all about dealing with experienced industry professionals who have the tools and experience to reverse foreclosures, successfully execute home modifications and generate principal reductions.

Our team is not only aligned direct with consumers, we are also aligned with the business, state and local government communities. Most if not all employers have already felt their employees being subjected to foreclosure, credit problems and bankruptcy.

Employers have felt their employees pain as well the loss of their confidence, dignity and in most cases loss of performance. Simply, the destruction from the collapsed home financial market is much wider and deeper than most Americans ever imagined and employers are also devastated by this disaster effecting their most valuable assets, their employees.

There are hundreds, if not thousands of consumer complaints about lenders located on the Complaints Board, in support of Legal and Illegal Foreclosures and Forced Bankruptcies.

Real Estate Industry News!

The lenders with the most complaints include IndyMac, Bank of America and Wells Fargo. All of these lenders received substantial federal bailout funds in the hundreds of millions and have only satisfied a very small percentage of modifications nationwide.

1. People complain about the following problems:

2. Lender offers to start home modification, and customers fill out paperwork. When customers checks back later, lender cannot find the paperwork.

3. Customers told they had an approved home modification were then soon after told that was incorrect, and there was no modification.

4. Customers call, and are treated disrespectfully and rudely.

5. Customers start a home modification program. They are asked to make three months' of trial payments. The file is then reviewed for a final modification offer. Customers make payments and assume that they are protected. However, the lender continues to "age" the primary loan, and more often than not moves forward on foreclosure even while the customer is making good faith and on time payments.

Staff at the Making Home Affordable government office state that in no case should a lender be moving forward with any level of foreclosure if someone is in the trial payment program of home modification. Therefore, lenders that break that policy are breaking the law and should be held accountable.

What Can You Do?

Home Modifications!

Contact MRJ Financial Solutions for your no-obligation consultation. You can find out once and for all if you qualify for a modification and/or principal reduction and that won't cost you a dime. Our modification process includes a full compliment of finance specialists, legal counsel and banking industry consultants. Call our message center and let's find out where you really stand.

Our professional modification team provides a three step process:

(1) Consultant - interviews client, accumulates approximate documentation and verifies if the client qualifies for a modification under the HAMP guidelines and/or lender offered programs, i.e. principal reduction that also results into a mortgage loan modification.

(2) Contract Administrator - reviews and prepares all documentation for submission - expedites process and negotiates on behalf of client for terms and conditions of the modification based on specific criteria's.

(3) Attorney - reviews - approves - write summary's and executes legal action when the lender is breaking the law.

You will no longer be alone in dealing with your financial institution and getting lost in the shuffle of their backlog of hundreds and thousands of foreclosures in process. Our professional consultants have developed the techniques and the resources to answer your questions including the most important question and that is are your qualified for a modification.

When you come to MRJ Financial for your solution, our team of specialists will quickly assess your information and let you know quickly if you qualify for a modification. Once we verify a modification is right for you we will discuss all recommended options available to you.

More Services ...

We also specialize in Personal Credit Repair and Private Money Financing.

Today, our economy is less than consumer friendly and it appears our recovery process is not going to happen any to soon. Between our clients on the brink of losing their homes, businesses and experiencing credit problems, our consultants are busy 24/7 providing just-in-time solutions.

Please contact us for your no-obligation consultation. Our experienced consultants will quickly respond to your situation and recommend what services best fit your needs. We will also provide a go-forward strategy and cost analysis so you can make an intelligent decision.

Thank you!