• Our clients average more than $500 in monthly savings on their mortgage.

    Denied for a refinance? Denied for a modification? Do you still have little or no equity in your home? We may be able to help. We have assisted over 6500 homeowners obtain a low fixed rate approval with their lender.

    These people did, click here to see their stories.

Our Story

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Our team at Golden State Financial Group has been assisting homeowners in lowering their mortgage interest rate for almost a decade. To date, our team has assisted more than 6500 homeowners. There are still many homeowners still unable to refinance their loans due to their LTV (how much they owe on their house versus its value) being 100% or higher. And there are still many homeowners in “ticking time bomb” interest only or ARM loans. Most lenders have introduced LOW fixed rate modification programs for homeowners with little or no equity.  And do you have a “Non Fannie Non Freddie” loan?  No problem!  We can evaluate your situation in less than 5 minutes to determine what program is best for you.

Loan Modification

No equity? Bad credit? Self Employed? Non Fannie? Non Freddie? NO PROBLEM! Click here for more details

Reverse Mortgage

This is the most misunderstood financial product in America today. Click here to reveal the truth about the reverse mortgage product.

Refinance

Rates can’t stay this low forever. Click here for more information on refinancing your home

RECENT APPROVALS

See a sampling of our recent successes with our clients below. We can evaluate your situation in less than 5 minutes to determine what program is best for you. We even have programs for homeowners with equity.

Donna, Los Angeles County Self Employed Government Contract Worker Old Payment:$1770 5% Interest Only New Payment: $1,334 PI 2% HAMP Monthly Savings: $436 Payment was going to adjust to $2286
Janet and Carl, Placer County Retired Old Payment:$2,047 4% PITI Previous Mod New Payment: $1,209 2% PITI Monthly Savings: $837 Now retired, they could not afford high payment
Moseis and Veronica, Riverside County Jewelry store owners Old Payment:$2,304 6.25% Interest Only New Payment: $1,736 2% PITI Monthly Savings: $571 They wanted out of interest only payment
Ken and Ty, Los Angeles County Doctor Old Payment:$3094 6% PITI New Payment: $1,761 2% PITI Monthly Savings: $1,333 Had a loss of income and needed a lower payment
Anita, Los Angeles County Works in the aerospace industry Old Payment:$2,727 7.75% PITI New Payment: 1,903 2% PITI Monthly Savings: $843 Tired of paying an interest rate over 7%
Ron and Michelle, Riverside County Project Manager and housewife Old Payment:$4,240 7.25% PITI New Payment: $2,217 2% PITI Monthly Savings: $2,023 Michelle became disabled, needed this to keep home
Pam and Anselmo, Los Angeles County Dental Hygienist and disabled Old Payment:$2,681 6.2% PITI New Payment: $1,597 2% PITI Monthly Savings: $1,084 Anselmo became disabled and couldn't work
Buddy, Ventura County Self Employed Welder Old Payment:$4,403 6% PITI New Payment: $2,545 2% PITI Monthly Savings: $1,858 Business had dropped, needed lower payment badly
Eric and Stacey, San Bernadino County Music studio owner and Message Therapist Old Payment:$1,961 NEGAM New Payment: $1,423 2% PITI Monthly Savings: $538 Wanted out of NEGAM loan
Myron and Linda, Riverside County Both are retired Old Payment:$1,935 3.99% ARM New Payment: $1,368 2% PITI Monthly Savings: $566 Wanted out of adjustable rate mortgage
Pedro, Los Angeles County Government Worker Old Payment:$2,027 4.995% PITI New Payment: $1,564 2% PITI Monthly Savings: $463 Had a reduction of income and needed a lower payment
Mike and Susan, Riverside County Umpire and Payroll admin Old Payment:$3,503 6.25% PITI New Payment: $1,843 2% PITI Monthly Savings: $1,662 Came to us current but barley making it
Gerardo and Mylene, Los Angeles County Works in the aerospace industry Old Payment:$2,306 5.19% PITI New Payment: $1,373 2% PITI Monthly Savings: $933 Came to us current but really struggling
Valerie and Don, Riverside County Disabled Old Payment:$2,774 6.5% PITI New Payment: $1,602 2% PITI Monthly Savings: $1,171 Came to us 6 months behind with NOD
Earl and Denise, San Bernardino Retired Old Payment:$3,009 3.25% MOD New Payment: $2,714 2% MOD, $69K Principal Reduction Monthly Savings: $295 Came to us current but with less income
Rick and Gina, Riverside county Self Employed Seed Growers Old Payment:$2,026 6% PITI New Payment: $1,295 2% PITI Monthly Savings: $730 Came to us current
Teresa and Linda, Butte County Nurses Old Payment:$2,500 NEGAM New Payment: $1,861 2% PITI Monthly Savings: $989 Came to us current
Zaien, Contra Costa County Owns a group home Old Payment:$4,457 7% PITI New Payment: $3,712 4% PITI Monthly Savings: $745 Came to us current
John, Los Angeles County Policeman Old Payment:$3,090 5.8% Interest Only New Payment: $2,454 2% PITI Monthly Savings: $635 Came to us 12 months behind and denied twice by his lender
Salvador, San Bernadino County Works at Fedex Old Payment:$1,475 6.75% PITI New Payment: $996 2% PITI Monthly Savings: $479 Came to us current but struggling
Nancy, San Diego County Ballet Teacher Old Payment:$1,269 PITI 6.69% New Payment: $776 PITI 2% Monthly Savings: $493 Came to us current
Alicia, Los Angeles County Home Care provider Old Payment:$3,123 6% PITI New Payment: $2,315 4.75% PITI Monthly Savings: $808 Came to us 24 months behind with a sale date
Mary, Alameda County Retired Old Payment:$3,009 6% PITI New Payment: $2,442 2% PITI Monthly Savings: $567 Came to us current
John and Lydia, Sonoma County Sales Old Payment:$3,200 4.24 PITI MOD New Payment: $2719 PITI Monthly Savings: 4 months behind and already had mod in 2008
Alfonso, Los Angeles County Construction Old Payment:$2,300 5.25% PITI ARM New Payment: $2,129 3% PITI Monthly Savings: $171 Came to us 7 months behind with a sale date
Emily, San Diego County Works id Retail Old Payment:$2,708 5.75% PITI New Payment: $1,617 2% PITI Monthly Savings: $1,100 Came to us current-Husband became disabled
Ensencia, Los Angeles County Retired Old Payment:$3,981 6.75% PITI New Payment: $2,553 2% PITI Monthly Savings: $1,428 Current but tried on her own for over 2 years
Nicole, El Dorado County Commercial building owner Old Payment:$3,751 5.75 IO New Payment: $2,855 2% PITI Monthly Savings: $896 Was 5 months behind
Joe and Diana, Riverside County Safety Manager Old Payment:$3,195 6.5% PITI New Payment: $1,911 2% PITI Monthly Savings: $1,284 Was one month behind but tried on his own for over 1 year
Falemei, Alameda County Nurse Old Payment:$2,459 6.7% PITI New Payment: Monthly Savings: $662 Was 17 months behind and got denied 4 times
Elaine Douglas, Sacramento County School Principal Old Payment:$3,855 6.9% PITI New Payment: $2,273 2% PITI Monthly Savings: $1,582 Was 2 months behind
Kim, Sonoma County Works at Community College Old Payment:$2330 NEGAM New Payment: $1,775 2% PITI Monthly Savings: $555 Was one month behind and was in bad loan
Manfred, Santa Cruz County Construction Old Payment:$5,940 7.25% PITI New Payment: $5,116 4.75% PITI Monthly Savings: $869 Came to us current
Thomas, Contra Costa County Self Employed Aquarium Maintenance Old Payment:$3,647 4.87% ADJ New Payment: $3,106 4% PITI HAMP Monthly Savings: $541 Was one month behind and was in bad loan
Diana, Orange County Accounting Old Payment:$2,500 5.425% NEGAM New Payment: $2,037 3.875% PITI HAMP Monthly Savings: $463 Came to us 24 months behind with a sale date
Artour, San Mateo County Trucking Business Old Payment:$3,332 6.15 IO New Payment: $2,783 3.02% PITI Monthly Savings: $949 Tried on his own for over 1 year, 16 months behind
Sergio, San Bernardino County Trucker Old Payment:$1,950 ARM New Payment: $940 2.5% PITI Monthly Savings: $1,010 Came to us 1 month behind
Maggie, Los Angeles County Self Employed Gift Shop Owner Old Payment:$2,940 5.125% NEGAM New Payment: $2,452 2% PITI Monthly Savings: $488 Came to us current but wanted out of NEGAM loan
Dena, Los Angeles County Real Estate Broker Old Payment:$4,710 7.25% PITI Rental New Payment: $3,773 4% PITI Monthly Savings: $936 6 months behind when she called us
Carole and Greg, Los Angeles County Old Payment:$3,600 NEGAM New Payment: $3,025 2% PITI Monthly Savings: $805 Was 3 months behind
Magda, Tulare County Retired Old Payment:$1,186 Interest Only 6.25% New Payment: $913 PITI 2% Monthly Savings: $456 Came to us current
Michael, Santa Cruz County Photographer Old Payment:$3,206 Interest Only New Payment: $2,726 2.7% PITI Monthly Savings: $881 Came to us current
Cynthia, Alameda County Dental Assistant Old Payment:$3,610 6.8% PITI New Payment: $2,804 2% PITI Monthly Savings: $806 Was working 2 jobs to make ends meet
Ed, Orange County Pastor Old Payment:$4,104 7% PITI New Payment: $2,371 2% PITI Monthly Savings: $1,733 7 months behind when he came to us and denied many time by Wells Fargo
Renee, El Dorado County Works for State of California Old Payment:$1,440 4.5% PITI New Payment: $1,044 2% PITI Monthly Savings: $396 Came to us current
Henry, Orange County Retired Old Payment:$3,212 6.25% PITI New Payment: $1,735 2% PITI Monthly Savings: $1,477 Using savings to stay current, 2 months behind
David, San Luis Obispo County Old Payment:$3,759 3.25% PITI New Payment: $1,735 2% PITI Monthly Savings: $1,477 Came to us current
Dawn, San Bernardino County School District worker Old Payment:$3,124 NEGAM New Payment: $2,456 2% PITI Monthly Savings: $626 Came to us when she was 2 months behind and had to leave work for surgery
Carlos, Los Angeles County Food distribution Old Payment:$5,055 6% Interest Only New Payment: $3442 2% PITI Monthly Savings: $2,709 Came to us 8 months behind with a sale date on his property
Arlene, Kern County Works at a tuxedo shop Old Payment:$1,346 8% PITI New Payment: $976 4.625% PITI Monthly Savings: $386 Came to us 12 months behind
Frank and Julia, Contra Costa County Works for law firm Old Payment:$2,500 7.5% Interest Only New Payment: $846 Monthly Savings: $2,157 Came to us current but struggling
Peter and Cybele, Orange County Artists Old Payment:$3,189 6% Interest Only New Payment: $2,342 PITI Monthly Savings: $1,282 Came to us current, wanted out of bad loan
April, San Bernardino County Retired Old Payment:$2,732 6.8% PITI New Payment: $1,308 2% PITI Monthly Savings: $1,444 On fixed income 2 months behind when she called
Jeffery, Santa Clara County Fund Raiser Old Payment:$5,214 6.75% PITI New Payment: $3,301 2% PITI Monthly Savings: $1,913 3 months behind with a horrible payment
Anita, Fresno County Admin Old Payment:$2,800 5.75% PITI New Payment: $1,644 2% PITI Monthly Savings: $1,156 Came to us current and very skeptical
Patti, Stanislaus County ER Admin Clerk Old Payment:$1,431 5.875% PITI New Payment: $1,034 2% PITI Monthly Savings: $396 Came to us current but really struggling
Manea, San Diego County Old Payment:$2,481 6.5% PITI New Payment: $1,556 2% PITI Monthly Savings: $1,121 Came to us current
Gerald and Lisa, Works at Kelly Temporary Service Old Payment:$2,344 5.5% PITI New Payment: $1,813 3.5% PITI Monthly Savings: $531 Came to us current but struggling
Bonnie, San Joaquin County Retired Old Payment:$1,613 6.5% PITI New Payment: $932 2% PITI Monthly Savings: $681 Came to us 3 months behind
Gail, Marin County Old Payment:$2,422 6% PITI New Payment: $1,266 2% PITI Monthly Savings: $1,155 Came to us current but very skeptical
Santiago, Fresno County Old Payment:$2,400 6.5% PITI New Payment: $1,476 2% PITI Monthly Savings: $924 Came to us current
Christine, Sonoma County Hotel Marketing Old Payment:$2,418 NEGAM-then a mod New Payment: $1,193 2% PITI Monthly Savings: $1,224 Already had mod with principal forbearance
Fayretta, Sonoma County Owns a care center Old Payment:$3,894 PIT (no insurance) 7.329% New Payment: $2,162 4% PITI Monthly Savings: $2,045 This is a rental property
Lisa, Riverside County Owns a sign company Old Payment:$2,732 5.75% PITI New Payment: $1,543 2% PITI Monthly Savings: $1,543 $2,732 5.75% PITI
Sherlyn, Sacramento Works for a non-profit company Old Payment:$1,252 4.5% PITI New Payment: $832 2% PITI Monthly Savings: $420 Was 3 months behind and denied many times
Tom, Santa Cruz County Artist Old Payment:$5,712 7.25% PITI New Payment: $4,076 4.7% PITI Monthly Savings: $1,636 Came to us current with bad loan
Kathy, San Bernardino County Nurse Manager Old Payment:$2,500 6.25% Interest Only New Payment: $2,345 2% PITI Monthly Savings: $869 Came to us current but struggling
Yolanda, Orange County Doctor Old Payment:$4,112 6.5% PITI New Payment: $3,139 2% PITI Monthly Savings: $972 Came to us current but payment was about to adjust $1000 higher
Jeffrey and Mary , Butte County Manager Old Payment:$2,453 6.1% PITI New Payment: $1,783 3% PITI Monthly Savings: $669 Current when they came to us
Kara, Orange County Accountant Old Payment:$3,299 6% PITI New Payment: $2,010 2% PITI Monthly Savings: $1,290 Was 6 months behind and declined many times
Carolyn, Humboldt County Retired Old Payment:$1,148 6.5% PITI New Payment: $724 2% PITI Monthly Savings: $424 Came to us current
Paul and Christy Catering service owner Old Payment:$3,080 5.975% PITI New Payment: $1,470 2% PITI Monthly Savings: $1,610 Was 7 months behind and declined 3 times
Adele and Glen, Orange County Boys and Girls Club Old Payment:$5,383 PITI NEGAM New Payment: $3,693 2% PITI Monthly Savings: Came to us 18 months behind with a sale date in 2 days
Michelle, San Bernardino County Landlords/Retired Old Payment:$3,925 6.25% PITI New Payment: $3,347 2% PITI Monthly Savings: $609 Came to us current
Esperanza and Manuel Landlords/Retired Old Payment:$3,925 6.25% PITI New Payment: $3,347 2% PITI Monthly Savings: $609 Came to us current
Sylvia, Conta Costa County Accountant Old Payment:$2,661 5% PITI New Payment: $1,835 2$ PITI Monthly Savings: $826 Going thru savings and borrowing from family members to stay current
Helen and Scott, San Joaquin County Admin Old Payment:$2,968 7.35% PITI New Payment: $2,238 3.75% PITI Monthly Savings: $729 Came to us current but barely hanging on
Reiner and Elizabeth, Kings County Registered Nurse Old Payment:$4,179 6.25% PITI New Payment: $3,071 2% PITI Monthly Savings: $1,679 Came to us 5 months behind
Donna, Stanislaus County Retired Old Payment:$1,339 5.875% PITI New Payment: $1,020 2.125% PITI Monthly Savings: $319 Came to us 5 months behind
Cecilia, Orange County Nursing Assistant Old Payment:$1,622 5.375% NEGAM New Payment: $934 2% PITI Monthly Savings: $657 Came to us current but barely making it
Nevin and CJ, Tuolumne county Home schooling kids Old Payment:$3,842 6.375% PITI New Payment: $2,909 2% PITI Monthly Savings: $933 Was 2 years behind on his payments
Chris, Orange County Real Estate Old Payment:$3,842 6.375% PITI New Payment: $2,909 2% PITI Monthly Savings: $933 Was 2 years behind on his payments
Raul and Nidia, Ventura County Self Employed Landscaper and Nurse Old Payment:$2,526 6.5% PITI New Payment: $2,076 3.625% PITI Monthly Savings: $449 Came to us current but struggling
Anthony and Kim, Madera County Truck Driver Old Payment:$1800 7.35% NEGAM New Payment: $1,274 2% PITI Monthly Savings: $526 Came to us current but payment was going from $1250 to $1800
Jorge, Los Angeles County Retired/Notary Old Payment:$2600 6% PITI New Payment: $1496 2% PITI Monthly Savings: $1104 Came to us current
Cathie, Alameda County Works for school district Old Payment:$1,876 6.5% interest only New Payment: $1,074 2% PITI Monthly Savings: $802 2 months behind when she called
Robert and Amanda, Shasta County Construction Old Payment:Old Payment: $1,460 3.625% PITI New Payment: $1,037 2% PITI Monthly Savings: $423 Came to us 4 months behind
Lawan and Darrel, Solano County Real Estate Old Payment:$3787 3.875% PITI ( that was a mod before) New Payment: $3233 2% PITI Monthly Savings: $554 5 months behind when she called
Adam and Brenda, Sacramento County Soccer school owner Old Payment:$1,724 6.375% PITI New Payment: $1,102 2.0% PITI Monthly Savings: $621 Came to us 4 months behind
Darren, Orange County Self Employed-Construction Old Payment:$3,238 5.75% PI only New Payment: $2,798 2% PITI Monthly Savings: $1,085 Came to us 2 months behind
Michael and Eva Fireman and Postal Carrier Old Payment:$3800 7% PITI New Payment: $2945 4.5% PITI Monthly Savings: $855 Came to us current
Robert and Rosie, San DIego County Retired Old Payment:$1862 5.5% PITI New Payment: $1075 2% PITI Monthly Savings: $921 Was current but barely making it
Hasalee, Madera County Retired Old Payment:$1,800 6.25% PITI New Payment: $1,140 2% PITI Monthly Savings: $660 Went through entire savings to remain current
Alex, Orange County Engineer Old Payment:3,602 6.5% PITI New Payment: $2299 2% PITI Monthly Savings: $1,303 Was tired of working 2 jobs to make ends meet
Doug, Placer County Owns his own construction business Old Payment:$4,839 7.58% PITI New Payment: $3,038 2% PITI Monthly Savings: $1,801 Came to us current but with his business down significantly
Roberto Miranda, San Francisco County Export Business Old Payment:$3400 6.5% Interest Only New Payment: 2,756 2% PITI Monthly Savings: $998 Wanted out of toxic loan
Latrece, Los Angeles County Respiratory Therapist Old Payment:$1,929 6% Interest Only New Payment: $1,823 2% PITI Monthly Savings: $696 $1,862 loan, now we are modifying her rental property
Shonta, Los Angeles County Farmers Insurance Old Payment:$2,100 (NEGAM loan regular payment $2910) New Payment: $1,615 2% PITI Monthly Savings: $1,295 Was 5 months behind, got NOD and is single mom in a BAD NEGAM loan
Cecilia, Santa Barbara County Physiatric Tech Old Payment:$1,751 7.5% PITI New Payment: $1,129 2% PITI Monthly Savings: $622 Came to us 3 months behind
Vicki, Sonoma County Certified Massage Therapist Old Payment:$3,341 7% Interest Only New Payment: $1,815 2% PITI Monthly Savings: $1,526 Tried on her own for 6 months
Margaret, San Bernardino County Teacher Old Payment:$1,550 6% PITI New Payment: $950 2% PITI Monthly Savings: $600 Got scammed by a company before hiring us
Paul, San Bernardino County Marketing Old Payment:$3100 principal and interest only NEGAM New Payment: $2400 2% PITI Monthly Savings: $1,266 Had a reduction of income and bank would not work with him, had a sale date on property
Steve, Contra Costa County Disabled Old Payment:$1700 5.5% PITI New Payment: $1210 2.5% PITI Monthly Savings: $490 Came to us current
Jo, San Bernardino County Works for County of Riverside Old Payment:$2104 6.4% PITI New Payment: $1,141 2% PITI Monthly Savings: $963 Husband passed away during process
Michael, Kern County Retired Old Payment:$2,050 6% PITI New Payment: $1,350 3.1% PITI Monthly Savings: $700 Was current when he contacted us
Christine, Riverside County Works for Waste Management Old Payment:$1,758 (interest only) New Payment: $1,439 (principal, interest, taxes and insurance) Monthly Savings: $878 Tried to modify on her own for 5 months
Debbie, Los Angeles County Business Development Consultant Old Payment:$2,111 PITI 6.5% New Payment: $1,514 PITI 2% Monthly Savings: $597 Single mom that got denied trying on her own, 2 months behind when she contacted us
David and Grace, Orange county Health and Safety Expert Old Payment:$3,447 8.75% PITI New Payment: $1,446 2% PITI Monthly Savings: $1,900 She became disabled and they had to file Chapter 13 to stop sale date
Dan, Ventura County Lost Job Old Payment:$2,850 6 % VA Loan New Payment: $2,136 3.5 % VA Loan Monthly Savings: $713 Came to us current but just lost job
Diane, Los Angeles County Husband works in the movie industry Old Payment:$4,500 4.5% Mod New Payment: $3,557 + waving $50K in late fees Monthly Savings: $943 Called when they had a sale date on property
Andre, Orange County Manufacturing Representative Old Payment:$4,187 4.9% PITI Mod offer New Payment: $2,943 2% PITI Monthly Savings: $1,244 Tried to modify on his own for over 1 year
Edward and Stella, Los Angeles County Deli Owners Old Payment:$2,885 6% PITI New Payment: $1,894 2% PITI Monthly Savings: $991 Was 3 months behind when they called
Susan, Contra Costa County Nurse Old Payment:$2370 5% PITI New Payment: $2196 4% PITI Monthly Savings: $174 Was 30 months behind when she called
Brent, Placer County Owns his own construction business Old Payment:$1,354 5.6% PITI New Payment: $992 2% PITI Monthly Savings: $362 5 months behind when he called
Richard, Alameda County Environmental Manager Old Payment:$2,200 6 % Interest Only New Payment: $1,672 2% PITI Monthly Savings: $528 Came to us current but struggling
Raj, Santa Clara County Engineer for Boeing Old Payment:$4,571 6.625% PITI New Payment: $3,089 2% PITI Monthly Savings: $1,545 Came to us current but barely making it
Rich, Shasta County Business Owner Old Payment:$2,132 ARM New Payment: $1,455 3.35% PITI Monthly Savings: $677 Was 1 month behind
William, Marin County High School Teacher Old Payment:$2,547 5.75% NEGAM New Payment: $2,107 2% PITI Monthly Savings: $440 Came to us current but struggling
Mildred, Fresno County Pest Control Business Old Payment:$2,400 7.25% PITI New Payment: $1549 2.3% PITI Monthly Savings: $851 19 months behind when she called
Dorothy and Art, Alameda County Retired Old Payment:$3,400 7.5% PITI New Payment: $1,956 2% PITI Monthly Savings: $1,444 Came to us current
Butch, Santa Barbara Superintendant Old Payment:$2,991 NEGAM New Payment: $1804 2% PITI Monthly Savings: $1,187 4 months behind when he called
Dustin, Solano County Fireman Old Payment:$2,089 4.625% Previous Mod New Payment: $1,267 2% PITI Monthly Savings: $822 Came to us current but just lost 2nd job
Jennifer, Amador County Interior Design Old Payment:$2,467 6.375% PITI New Payment: $1,561 2% PITI Monthly Savings: $1,561 Came to us current
Gloria, Los Angeles County Bookkeeper Old Payment:$1,639 6 % PITI FHA New Payment: $1,338 3.5% PITI Monthly Savings: $301 Came to us 8 months behind and denied twice by Chase
Kam , Riverside County Hotel Owner Old Payment:$3,184 6.5% PITI New Payment: $2,084 2% PITI Monthly Savings: $1,100 2 months behind when he called
Carolyn, Sacramento County Retired Old Payment:$2,652 6.5% ARM New Payment: $1,279 2.0% PITI Monthly Savings: $1,373 Husband passed away, supports son and grandson
Linda and Jesus, Orange County Outreach worker Old Payment:$3,005 8% PITI New Payment: $2,189 4.125% PITI Monthly Savings: $816 Came to us 1 month behind and husband retiring
Richard and Martha, Yolo County Retired Old Payment:$3,021 3.25% ARM New Payment: $2,057 2% PITI Monthly Savings: $963 Came to us current
Thelma, Los Angeles County Home Care Provider Old Payment:$2,541 6% Interest Only New Payment: $1,957 2% PITI Monthly Savings: $584 Was 3 Months behind when she contacted us
Kathleen, Orange County Works at phone company Old Payment:$3,370 6.125% PITI New Payment: $2,173 2% PITI Monthly Savings: $1,196 Came to us current after husband lost job
Cathy, Humboldt County Business Owner Old Payment:$2,067 5.375% PITI New Payment: $1,404 2% PITI Monthly Savings: $663 Came to us current but barely hanging on
Julianne, Trinity County Retired Old Payment:$2,112 6.25% PITI New Payment: $1,595 2.0% PITI Monthly Savings: $517 Came to us 2 months behind
Odell and Paulette, San Diego County Technician Old Payment:$1,604 6% Interest only loan New Payment: $1,595 2% PITI Monthly Savings: $231 Came to us current but barely making it and wanted out of interest only loan
Veronica, Los Angeles County Executive Assistant Old Payment:$2,271 4.5% PITI New Payment: $1,833 4% PITI HAMP Monthly Savings: $438 Came to us current
Steve And Gabby, Los Angeles County Electronic Media Business and Principle of Elementary School Old Payment:$7,831 6.875% PITI New Payment: $3,759 2% PITI Monthly Savings: $4,072 Came to us current with a very bad loan
Salim and Catherine, Los Angeles County Restaurant Owner Old Payment:$3,546 3.5% NEGAM New Payment: $2,938 2% PITI Monthly Savings: $608 Was 6 months behind and denied when he contacted us
Desiree, Santa Clara county Nurse Old Payment:$3,907 ADJ ARM PITI New Payment: $2,850 3% PITI Monthly Savings: $1,056 Came to us current but wanted out of toxic loan
Beth Robinson, Santa Cruz County Self Employed-Owns a Pet Grooming Shop Old Payment:$3,120 6.775% PITI New Payment: $1,587 2% PITI Monthly Savings: $1,532 8 months behind when she contacted us
Yvonne and Kerwin, Alameda County Dental Hygenists Old Payment:$2,667 6.5% PITI New Payment: $1,721 2% PITI Monthly Savings: $946 Came to us current
Linda, Los Angeles County Works at a bakery Old Payment:$1,621 5.375% PITI New Payment: $996 2% PITI Monthly Savings: $624 Came to us 9 months behind with a sale date
Dave, San Diego County Self Employed-Owns a Drafting Service Old Payment:$2,136 5.75% Interest Only New Payment: $1,095 2% PITI Monthly Savings: $586 Came to us current but barely making it
Lisa, San Diego County Self Employed Hair Stylist Old Payment:$2,953 5.75% ARM New Payment: $1,937 2% PITI Monthly Savings: $1,016 Came to us current but went thru all savings just to stay current
Debra, Lake Tahoe County Retired Old Payment:$4,300 7% PITI New Payment: $1,713 2% PITI Monthly Savings: $2,409 Came to us 28 months behind and her husband passed away during the modification review
Dave and Michelle, San Diego County Retired Old Payment:$3,246 5% NEGAM New Payment: $2,121 4% PITI Monthly Savings: $1,125 Came to us current but wanted out of toxic loan
Jennye and Thomas, Fresno County Retired Old Payment:$1,862 6% Interest Only New Payment: $1,564 2% PITI HAMP Monthly Savings: $298 Wanted out of toxic loan
Dipak, Orange County Engineer at Boeing Old Payment:$1,428 4.9% NEGAM New Payment: $943 2% PITI Monthly Savings: Came to us 9 months behind and denied twice
Lydia, Los Angeles County Self Employed Day Care Old Payment:$1,428 4.9% NEGAM New Payment: $943 2% PITI Monthly Savings: $485 Came to us current but struggling
Chantel and Shari, Solano county Retired Old Payment:$2,450 5.5% PITI New Payment: $1,529 2% PITI Monthly Savings: $921 Chantel helped her mother Shari get this mod after Shari's husband passed away
Sarah, Santa Cruz County Self employed day care provider Old Payment:$2,699 6.25 % PITI New Payment: $1,958 2% PITI Monthly Savings: $740 Came to us 6 months behind after losing job
Jim and Jennifer, Sacramento County Manager of government office Old Payment:$3,104 6.5 % Interest Only New Payment: $1,902 2% PITI Monthly Savings: $1,202 Was current when she contacted us
Gary, San Diego County Self Employed Surfboard Maker Old Payment:$2,906 4.7% NEGAM New Payment: $2,584 3.875% PITI Monthly Savings: $320 Came to us current but barely making it and wanted out of NEGAM
Greg, Mendocino Self Employed Carpenter Old Payment:$2,439 6.5% PITI New Payment: $1,219 2% PITI HAMP Monthly Savings: $552 Came to us current but barely making it
Michael and Patricia, Riverside county Self Employed Pest Control Old Payment:$2,439 6.5% PITI New Payment: $1,870 2% PITI Monthly Savings: $568 Came to us current and struggling due to drop in business
Nicci, Solano County Came to us 12 months behind with a sale date Old Payment:$1,511 6% Interest Only New Payment: $1,130 2% PITI Monthly Savings: $381 Came to us 12 months behind with a sale date
Doug, Alameda County Self Employed Body Shop Owner Old Payment:$3,735 3 % Interest Only New Payment: $3,151 2% PITI HAMP Monthly Savings: $583 Came to us current and wanted out of toxic interest only loan
Elmer, Shasta County Excavator Old Payment:$2,025 6 % PITI New Payment: $1,238 2% PITI Monthly Savings: $787 Came to us current and struggling
Jean and Robert, Santa Cruz County Hospice Nurse Old Payment:$3,048 6.375% PITI New Payment: $2,410 2% PITI Monthly Savings: $401 Came to us 12 months behind with a sale date
Mike and Maky, Riverside County Mike works in sales, Maky at Mattel Old Payment:$3,206 5% MOD PITI New Payment: $2,854 3.5% PITI Monthly Savings: $401 Came to us 3 months behind and getting run around from Wells Fargo
Pedro, Los Angeles County Owns a drapery store Old Payment:$3,206 5% MOD PITI New Payment: $2,410 2% PITI Monthly Savings: $1,722 Came to us 3 months behind and getting run around from Wells Fargo
Rosemary and Arturo, Riverside County Both work at a print shop Old Payment:$1,604 5.125% PITI FHA New Payment: $1,226 3.25% PITI FHA Monthly Savings: $377 Came to us 14 months behind with looming sale date
Maria, Ventura County Taco Bell Manager Old Payment:$3,654 5.875% PITI New Payment: $2,501 2% PITI Monthly Savings: $1,153 Came to us current
John, Orange County Policeman Old Payment:$3,090 5.8% PITI New Payment: $2,454 3.35% PITI Monthly Savings: $635 Came to us 12 months behind and denied twice by Bank of America
Judy, El Dorado County Real Estate Broker Old Payment:$3,632 5.875 % PITI New Payment: $2,395 2% PITI Monthly Savings: $1,236 Came to us 24 months behind with a sale date 3 weeks away
Jerry, Sacramento County Meat Cutter Old Payment:$2135 6.5% PITI New Payment: $945 2% PITI Monthly Savings: $1,190 Was just 1 month behind but knew she would need help getting the mod
JB and Ellen, San Diego County JB works in logistics and Ellen is disabled Old Payment: New Payment: $3,012 2% HAMP Monthly Savings: $863 Ellen could not work any longer which made the payment too high
Paul and Susan, San Diego County Old Payment:$4,600 PITI 6.65% New Payment: $3,336 2% HAMP Monthly Savings: $1,264 Paul had a reduction in his income making the payment very difficult to afford.
Kevin, Riverside County Private Labeling Business Old Payment:$2,771 Interest only 6.5% New Payment: $2,015 2% HAMP Monthly Savings: $756 Kevin could afford to make his payment, he just wanted out of toxic interest only loan, mission accomplished!
Kristi, Sacramento County Retired Old Payment:$1,264 5.25% PITI New Payment: $834 2% HAMP Monthly Savings: $430 Kristi came to us over 1 year behind with a sale date on her property
Web, San Mateo County Self Employed Real Estate Developer Old Payment:$4,705 3.5% PITI Previous Mod New Payment: $3,308 2 % PITI Monthly Savings: $1397 Came to us current but severely underwater
Jim, El Dorado County Casino Blackjack Dealer Old Payment:$1652 PITI 5.62% New Payment: $936 PITI 2% HAMP Monthly Savings: $716 His income dropped due to less gambling
John and Elizabeth, Riverside County John works at Disneyland and Elizabeth is a nurse Old Payment:$3106 PITI 6.5% New Payment: $2060PITI 2% HAMP Monthly Savings: $1046 Came to us 23 months behind
Amy, Sonoma County Social Worker Old Payment:$3409 PITI 6.875% New Payment: $2179 PITI 2% HAMP Monthly Savings: $1230 Husband lost job, only had Amy's income
Brenda Retired Old Payment:$874 PITI 6.25% Fixed New Payment: $636 PITI 2% HAMP Monthly Savings: $238 She retired and now has only Social Security Income
Ricky and Esther, Riverside County Ricky is retired and Esther works in customer service Old Payment:$1601 Interest only 4% New Payment: $1245 PITI 2% HAMP Monthly Savings: $356 Their adjustable payment was ready to go up to $2200/month
David and Janet, San Diego County David is retired and Janet is an export specialist Old Payment:$3729 PITI 7.75% Fixed New Payment: $2647 PITI 2% HAMP Monthly Savings: $1082 David retired and could not afford payment
Jose and Lisa, Stanislaus County Jose works at Costco and Lisa is in customer service Old Payment:$3034 PITI 7.75% New Payment: $1910 PITI 2% HAMP Monthly Savings: $1134 Came to us 31 months behind
Joe, Placer County Self employed construction Old Payment:$2201 PITI 6.9% Fixed New Payment: $1444 PITI 2% HAMP Monthly Savings: $757 Came to us current but had a loss of income
Pat and Elisabeth, Contra Costa County Pat is an IT professional and Elisabeth is a teacher Old Payment:$3970 PITI 6% Fixed New Payment: $2200 2% HAMP Monthly Savings: $1768 Came to us current but unhappy with high interest rate
Linda and Randy, Los Angeles County Linda is a bookkeeper and Randy is a sales executive Old Payment:$3613 PITI 5% Fixed New Payment: $2591 PITI 2% HAMP Monthly Savings: $1022 Came to us current but struggling
Chuck and Marla, Humbolt County Chuck is retired, Marla is a Volleyball Coach Old Payment:$1864 PITI 3.5% ARM New Payment: $1556 PITI 2% HAMP Monthly Savings: $308 Came to us current but ARM payment was going to increase much higher
Joe and Fatima, Kings County Joe works at a car dealership, Fatima works in Admin Old Payment:$1350 PITI 7.6% Fixed New Payment: $787 2% HAMP Monthly Savings: $563 Came to us current but unhappy with high interest rate
Mike and Cindy, Kern County Mike is a Spanish Interpreter and Cindy is in Admin Old Payment:$1560 PITI 5.75% Fixed New Payment: $690 PITI 2% HAMP Monthly Savings: $870 Came to us current but barely making it
Gabe and Melody, Merced County Melody works at Foster Farms, Gabe works at Krupe Old Payment:$3154 Interest only, taxes and insurance 7% New Payment: $1760 PITI 2% HAMP Monthly Savings: $1394 Came to us current but wanting out of Interest Only loan
Johnmichael, Los Angeles County Works as a set deisgner in Hollywood Old Payment:$4200 PITI 5% Mod New Payment: $2715 2% HAMP Monthly Savings: $1485 Came to us current but issued a toxic mod in 2009..payment jumped from $2100-$4200
Frances and Refugio, Los Angeles Country Repertory Thearpist and RN Old Payment:$2,665 5.5% PITI NEGAM New Payment: $2161 3.25% PITI Monthly Savings: $503 Came to us current but with less hours

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