Free Loan Modification
Free Lender Fraud Analysis

Modification: If a deferment is a "band-aid", then a modification can be considered to be "surgery". The goal of a modification is to permanently change your loan terms in order to permanently reduce your monthly payment.


There are a few basic elements of a loan that could possible be changed:


1) The Rate - While not impossible, a rate change is unlikely. The main reason is that many SBA loans are sold to investors. Since the investor agreed to buy the loan at a certain rate, an investor will rarely agree to a rate reduction. Additionally, if a lender were to use risk-based pricing, lowering the rate on a defaulted loan would be out of the question.


2) The Term - Out of these 3, a lender is most likely to look at extending the term of your loan, thereby reducing the payment. For example, if you have a 10 year loan, they might look at extending it to 15 or 20 years.


3) The Principal Balance - Writing off principal is not an option if you want to keep your business open. The SBA does have a settlement process, but in order to qualify, a business must cease operations and all business assets must be liquidated.



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