The Life Foundation
a non-profit organization
partnering with
Integrity Funding, LLC
248-640-7874
Integrity Funding, llc
2174 Middlebelt Rd.
West Bloomfield, MI 48324
United States
ph: 248-757-1485
alt: 248-640-7874
ifkc2004
Services
Integrity Funding offers several different programs to meet the needs of homeowners who are facing financial difficulties.
We are your advocate.
We are there every step of the way, working with you to find the right solution to your financial situation.
Loan Modification
A Loan Modification is a federal government program that changes the terms of your current mortgage. It helps bring relief to responsible homeowners who either have lost equity in their home and are unable to refinance or are struggling to make their mortgage payments. A Loan Modification permanently changes one or more of the terms on your mortgage, it allows your mortgage to be reinstated which results in a payment you can afford.
Key conditions or terms that can be modified
- Extending the term of your loan
- Lowering the interest rate
- Reducing the principal
Short Sale
A Short Sale is when a lender or lenders , through evaluating and negotiating, accept less than what is owed on the property to satisfy the loan or release the lien.
If your are faced with hardship and unable to meet the obligations on your mortgage payments, the lender will settle the matter with us as opposed to taking the property through foreclosure.
This is a list of the most common "hardships" that are accepted by mortgage lenders
- Loss or Significant loss of income
- Family illness or injury
- Divorce or separation
- Injury or illness within extended family
- Unexpected increases in living expenses
- Employment relocation, if there is not enough equity in the property
Foreclosure
If you are a homeowner who is about to be foreclosed on, this step could salvage your credit and allow you to move foward with your life.
A Deed in Lieu of is an option in which Integrity Funding will negotiate with the bank for the homeowner to get back the property, in exchange for a release of all obligations under the mortgage.
Another program may be where Integrity Funding will find investors to purchase the foreclosed property.
Why shouldn't I do this myself?
Because you only have one chance to get it right, there is no second chance.
We specialize in Loan Modifications. We know on a daily basis what is going on and changing in the real estate and financial marketplace.
Consumers can find themselves on the phone for hours being connected to different departments and never getting a straight answer.
We know how to speak to the bank. Saying the wrong thing can lead to losing your other lines of credit.
A package may consist of 21 pages plus all other supporting documents, if the process is not done properly and accurately under the banking guidelines this causes delay, where your file may sit for several weeks before it is reviewed again.
That's why you hire us. We do it right!
Something to think about
If you had a very important tax return to do that you knew had to be done correctly, would you do it yourself or call an accountant or CPA?
If you had an electrical problem in your house and you knew you had to replace the fuse box and rewire would you do this yourself or call an electrician?
If you had a serious pain in your chest and you knew something was wrong, would you try to fix it or would you get medical help?
Integrity Funding, llc
2174 Middlebelt Rd.
West Bloomfield, MI 48324
United States
ph: 248-757-1485
alt: 248-640-7874
ifkc2004
