Who we are. What we do. Why it makes a difference.
Protect Yourself from Predatory Lenders
Refinancing or Modifying your home may be one of the most important and complex financial decisions you'll ever make. Many lenders, appraisers, and real estate professionals stand ready to help you. However, you need to understand the process to be a smart consumer. Every year, misinformed homeowners, become victims of predatory lending or modification fraud.
Don't let this happen to you!
Do NOT let anyone convince you to pay upfront fees for your refinance or modification. V.O.I.C.E. was created to assist those homeowners without any upfront OR backend fees. V.O.I.C.E. is able to do this because of its relationship to philantharpists, special goverment programs exclusive to V.O.I.C.E and its partners, and help from people just like you.
Never sign a blank document or a document containing blanks. If information is inserted by someone else after you have signed, you may still be bound to the terms of the contract. Insert "N/A" (i.e., not applicable) or cross through any blanks.
Read everything carefully and ask questions. Do not sign anything that you don't understand. Before signing, have your contract and loan agreement reviewed by an attorney skilled in real estate law, consult with a trusted real estate professional. If you cannot afford an attorney to preform your refinance or modification, take your documents to the HUD-approved housing counseling agency near you to find out if they will review the documents or can refer you to an attorney who will help you for free or at low cost.
Recent News
10/22/2009 - On 10/22/2009, We added a new partner Circle One Financal Solutions to assist us in helping Americas Refinancing or Modifying there homes. With over 18,000 partners and a new television campaign Circle One Financal Solutions looks to be in the lead asisting more Americans then any other Refinance or Modification campany