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Loan Modification Archives

Online scams promise to cut mortgage payments, relieve debt

Consumers are being warned to watch out for online companies that use deceptive businesses practices to trick people with financial challenges into believing they're going to receive mortgage assistance. The Federal Trade Commission and consumer advocate agencies are cracking down on companies that can scam a family out of hundreds or even thousands of dollars, without delivering on their promises. Florida residents are urged to fully check out an online company before doing business with them.

Mortgage borrowers take note: FHA's loan policies set to change

If you're considering a loan modification in Florida or a new loan using FHA's services, you may first want to consider new polices and fee hikes that the Federal Housing Administration will be putting into effect over the next few months. FHA loans have been traditionally popular for people with credit problems or lower down payments and have for years been considered ideal for first-time buyers with modest incomes.

Buying, refinancing, or foreclosing? Tips for mortgage borrowers

Florida's housing market has been particularly difficult, with the highest foreclosure rates in the country. However, there's still hope for people trying to hold onto their homes, avoid bankruptcy, or get into a new home. A few helpful tips make it possible for homeowners to benefit.

BANKS STEER CASH INTO SHORT SALES

For homeowners seeking loan modifications the National Mortgage Settlement was to help homeowners stay in their home. Unfortunately, the banks and servicers are using the 25 billion dollar settlement to get homeowners out of their homes.  Banks have used the cash for short sales.

  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
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  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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118 South Rome Avenue
Tampa, FL 33606

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6314 U.S. Highway 301 South
Riverview, FL 33578

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Phone: 813-463-2256
Fax: 813-258-4746
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305 North Parsons Avenue
Brandon, FL 33510

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions