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Loan Modification

A loan modification may be the option for you!

What’s Loan Modification?

There are different financial services for mortgage help such as undergoing a loss mitigation, getting bank modifications, home forbearance, extending the length of your loan term, lowering your interest rate, changing from an adjustable-rate mortgage to a fixed-rate loan and more. 

Though the terms of your modification are up to the lender, the outcome can be lower, more affordable monthly mortgage payments. Foreclosure is a costly process for lenders, so many are willing to consider loan modification as a way to avoid it.

UHA has all the information and guidance on what the best option for you can be.


The Difference between Loan Modification and Loan Refinance



• Negotiate with lender to change terms of original loan
• Little to no costs (rare if there are fees)



• Entire new home loan which pays off previous loan
• Can require additional charges
• Potential average costs could range from $1,120 to $2,690

Application fee: $75 to $500

Origination fee: Up to 1.5% of loan amount

Credit report fee: $30 to $50

Home appraisal: $300 to $400

Home inspection: $300 to $500

Flood certification fee: $15 to $25

Title search and insurance fee: $400 to $900

Recording fee: $25 to $250

Reconveyance fee: $50 to $65

Am I Qualified for a Loan or Bank Modification?

If you are currently facing a financial hardship and want a loan modification, then know that UHA can help you from start to finish. Get started with financial assistance today:

Step 1

Set up Your UHA Meeting Today

If you’re ready to begin the process for a loan modification, UHA knows how to put you in the best position.

Step 2

Collect Your Financial Information

You’ll need to provide your current income and expenses.

Step 3

Collect Your Mortgage Information

Get a copy of your mortgage statement that has your loan number on it or have your foreclosure letter on hand (if received).

Set up your first meeting and consultation with UHA to begin the process to freedom. We will handle the process for you from beginning to end to ensure the process is smooth and efficient.

Get Started Today
Let us provide financial assistance, honest resources, late payment guidance, repayment plans, and personalized solutions for you. Call 1-800-281-3UHA (3842) or email us at Available from 8:00am – 5:00pm.

We’ll guide you through the various options to provide you with the best outcome for your situation.