Loan Modification


The most common way that a foreclosure is resolved, while allowing the homeowner to keep the home, is through a loan modification. A modification is similar to a refinance. The individual provides an application setting forth their income and expenses. Examining a snapshot of an individual’s monthly disposable income, the bank attempts to arrive at a new monthly mortgage payment. The bank does this through a combination of reducing the interest rate and extending out the loan term.

Mr. Cassar is knowledgeable about the application process, which is often difficult and frustrating for homeowners. It is not uncommon for an individual who may otherwise qualify for a modification to be denied for a failure to provide the required documents and information. In addition, the bank does make mistakes, and your denial can be appealed. If you are in a foreclosure and wish to enter into a modification, you should strongly consider hiring an attorney to assist you.

Call Mr. Cassar today to schedule a consultation.

Don't wait until it's to late! Call James J. Cassar, ESQ. for a consultation with experienced mortgage & loan modicifcation.

Proudly Representing Western New York
Serving Buffalo, Rochester, Niagara Falls, Greece, Brighton, Irondequoit & all of WNY

Office Locations

Buffalo Office
Rochester Office
  • 37 Franklin St., Suite 1110 Buffalo, NY 14202
  • Phone: (716)-218-3118
  • 140-A Metro Park, Rochester, NY 14623
  • Phone: (585) 270-1212

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