At CounselorDirect™ you can pre-qualify for a loan modification based on your Lender's specific eligibility guidelines- At no cost to you!  Simply follow the instructions provided and complete all the fields within the secure application and our probability meter will deliver your probability of getting an approval based on your current financial situation.  Then to help increase your probability, follow the proven tips and instructions that are based on thousands of successful loan modifications. Once, you have made all the recommended adjustments, you can print out a submission-ready package and fax it to a free HUD-approved counselor who will negotiate your modification request directly with your Lender.

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  • Even if you have been previously turned down by your Lender for a loan modification, you can re-apply. Many homeowners who were previously denied have found success utilizing our probability meter.
  • According to National Foreclosure Mitigation Counseling’s fourth report to Congress, troubled borrowers who receive foreclosure prevention counseling are 60 percent more likely to avoid foreclosure than borrowers who don't receive counseling.
  • You do not have to be delinquent to qualify for a loan modification. We have successfully helped many people who were still current on their mortgage.
  • If you don't qualify for President Obama's new Home Affordable Modification Program, there are alternate modification programs being offered by almost all of the Lenders.



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Making Home Affordable

Did you know that the Making Home Affordable Program has already put over 650,000 borrowers into trial mortgage modifications? Some borrowers may have entered into trial plans with incomplete documentation. Borrowers need to ensure that their servicers have all of the documents required for a permanent mortgage modification. If you are currently in a trial modification, please remember to send all of the required documents to your mortgage servicer or the counselor handling your modification. If you are not sure if you have submitted all of the required documentation, contact your servicer or counselor directly.

If you need help completing your paperwork, email us at info@counselordirect.com and we will connect you with a HUD-approved housing counselor for free.