Trusted Loan Modification Help in New York And Across for Homeowners in Need

We provide expert loan modification help in New York, cutting through lender red tape — even if you’ve been denied before.

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Leverage Our Expertise

Banks don’t move fast — but with expert loan modification help in New York, you can take control, lower your payments, and avoid losing your home.

 

  • Lower interest rate
  • Reduce monthly payment
  • Extend loan term
  • Missed payments deferred to end of loan

How We Can Help You

We Talk to Your Lender

Our team handles all communication on your behalf, so you never have to deal with confusing calls or paperwork.

We Build a Strong Case

We collect and organize your financial documents to present a clear and compelling case to your lender.

We Push for Fast Decisions

We follow up persistently to avoid delays and get you answers as quickly as possible.

Our Loan Modification Process

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We Build and Submit Your Application

You Get a Lower Payment

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Why Choose us?

20+ Years of Experience

Hundreds of successful loan modification cases handled across New York.

Experts in New York & Federal Mod Programs

We know how to navigate FHA, Fannie/Freddie, and lender-specific options.

We Succeed Where Others Fall Short

We’ve secured modifications even after clients were denied by their lender or another firm.

You Talk to Real People

No call centers. Just honest, local professionals who know how to get results.

No Upfront Fees

Free Initial Consultation – No Pressure, No Surprises.

Complete Lender Communication

We handle the back-and-forth, paperwork, and pressure - so you don’t have to.

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Real Success Stories

“We got a letter from Save My Home in the mail. They worked with and fought our lender for nearly two years, and never gave up! They were patient, persistent, and no-nonsense people – EVERY single one of the staff was helpful and treated us like family. They set our lender straight and convinced them to go from totally uncooperative to giving us a loan mod with very favorable terms. The cost was fair, they always answered our calls, and they did what they said they would. What else can you ask for? Thumbs way up!”

– Jeanine & Devin D.

“The team at Save My Home came to our rescue when our house was set to be auctioned off. They managed to halt the sale just in time and helped us negotiate a short sale with the bank. Not only did we get to keep our home, but we received relocation assistance as well. Best of all, even though they offered services ABOVE & BEYOND the original agreement, they didn’t charge us an extra penny for weeks and weeks of added work and time! They were absolutely amazing to work with and deserve a million thumbs up for the help they provided us. Thank you guys for everything!!!!”

Bill & Kathy Z.

“Hi, My name is Edwin Rivera. Because of the pandemic I almost lost my house. I called Save My Home, and they got me my house back. I couldn’t believe it! I’m very proud of it and thanks to Save My Home!”

– Eddie R.

“About two years ago I had a heart attack and all my bills started piling up medical bills, credit cards, mortgage… I called Save My Home, and they were able to help me out, and they can probably help you out as well. Thank you Save My Home!”

– Josse V.

“Before SaveMyHome intervened, our lender was unwilling to come to the table and negotiate a solution with us. However, as soon as they got involved, the bank quickly changed their attitude and worked out an agreement with us. They even modified our loan, allowing us to make lower payments. We’ve been making these payments on time for the past six months, and we have the team at SaveMyHome to thank for “saving our home” AND our family. We are forever thankful!”

– Eddie R.

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Loan Modification FAQ

What is a loan modification?

A loan modification is a permanent change to the terms of your mortgage to make payments more affordable — often by reducing the interest rate, extending the loan term, or adjusting the balance.

 

Homeowners experiencing financial hardship (job loss, illness, divorce, etc.) who can show they have income to support modified payments may qualify.

 

Yes — applying for a loan modification can pause the foreclosure process while your application is reviewed.

It typically takes 30 to 90 days, depending on your lender and how quickly you provide all required documentation.

 

Not necessarily — some lenders accept applications from homeowners who are current but facing imminent hardship.

 

It may cause a temporary dip in your credit score, but it’s usually less damaging than foreclosure or missed payments.

 

No — refinancing replaces your old loan with a new one, while loan modification changes the terms of your existing loan.

 

Yes — if your financial situation changes again, you may be eligible to reapply or request a new review.

 

Absolutely — working with experienced professionals can improve your chances of approval by ensuring your case is strong and complete.

Don’t Struggle Alone — Let’s Modify Your Loan Today

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