Loan Modification, Restructuring, & Principal Reduction

Why Should I Use A Loan Modification Attorney?

Dramer Law has a New York based team of Real Estate & Foreclosure Defense Attorneys that are fully capable and experienced to renegotiate the terms of your existing home mortgage loans – including reducing the amount you owe! We deal with your lender for your benefit. Our New York mortgage relief specialists are fully licensed and committed to helping you save your home and save you money!


Why YOU Need a Loan Modification Attorney in New York

New York, you’ve probably all heard of a Loan modification or loan restructuring by now.  If you are experiencing a financial hardship that has affected your ability to make your monthly mortgage loan payments or if your home is underwater (negative equity) then our loan modification, mortgage settlement, & foreclosure defense lawyers may be able to help you.  We can negotiate the terms of your existing mortgage loan to make the payments more affordable for you.   This can mean a variety of changes such as:

  • Lowering your interest rate
  • Converting your loan from an adjustable rate to fixed 
  • Extending your repayment term
  • Eliminating or reducing delinquent payments
  • Negotiating a discounted pay-off for Underwater Homes
  • Any combination of the above!

Here are just a few examples of the many successful negotiations arranged through our Loan Modification Attorneys in New York

A loan modification is not the same as a refinancing.  With a modification, a new loan is not issued, but instead, we renegotiate the existing home loan that you already have to more beneficial and affordable terms for you.  Most time, we can get a modification for you whether you are delinquent on your payments or not.

Loan modifications or loan restructurings can be a great way to prevent a foreclosure on your home as they will immediately bring your loan back to current status as long as you make all required payments.

Trust Our Loan Modification Attorneys, New York

Dramer Law is a New York based mortgage & debt relief law firm.  We have a team of lawyers that specialize in negotiations for loan modification, short sales, and deed in-lieu-of foreclosure.  Additionally, we have lawyers that deal with foreclosure defense, predatory lending, and even bankruptcy.  We offer multiple options, all to help you avoid foreclosure.  Call 1-888-314-1722 NOW for your FREE CONSULTATION.

Read up on some Frequently Asked Questions about the Loan Modification Process

The Law Offices of Kenneth H Dramer PC also specializes in

At The Law Offices of Kenneth H Dramer PC, before we make recommendations, our debt lawyers, mortgage relief specialists, and paralegals ask the right questions to find out more in detail about your unique situation. Based on factors such as your income and financial hardship, we help determine which option will work best for you.  We don’t only offer one choice since no one option can solve each of our clients’ specific needs.  Call now, and one of our debt lawyers is waiting to get you started on the road to a debt-free and stress-free future.  There is no obligation so don’t delay.  CALL TODAY!


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*Individual results may vary based on consumer’s earnings, assets, and current mortgage loan situation.  Our law firm does not assume or pay your mortgage, nor provide credit or tax advice about any forgiven amounts. Mortgage assistance does not obtain immediate repayment arrangements.  Mortgage assistance is not available in all states.

*Be wary of any company that tells you not to pay your mortgage loan as it may have a negative impact on your credit report and other consequences.  For example, your mortgage loan may continue to accrue late fees and penalties; you also may receive calls from your lender and/or their collectors, you could even be sued for non-payment.  If your lender obtains a judgment against you, then you may lose your home.  Make sure you choose a company that explains the benefits and consequences of each mortgage relief option.

*The information provided on this site is for general information and educational purposes only.  The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.

*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.