Toni Patillo – Santa Monica and Palisades Real Estate Agent

Loan Modification

CDA Law Center

CDA Law Center (CDALC) is recognized by numerous non-profit Homeowner Advocates as a “Top Trusted Firm” for helping consumers through their loan modification process. They include Martin Andelman of Mandelman Matters, and Richard Zombeck of the Huffington Post and Home Preservation Network, to name a few. With over four years of experience and over 3,000 successful modifications negotiated, you can be confident our experienced attorneys and staff will work diligently on your case until resolution. Our commitment is to provide you with honest and ethical advice, and to help you make an informed decision regarding your loan modification needs, as loan modifications are not the best remedy for everyone. Our ethical standards prohibit us from accepting clients unless they have a demonstrable financial hardship, have capacity to make a modified payment, and we believe you may meet the Net Present Value (NPV) criteria required for a loan modification.

At CDALC, we understand how the uncertainty of the loan modification process can be stressful, as the outcome of any negotiation is uncertain. Anyone, including attorneys, who tell you otherwise or guarantees specific results should be scrutinized carefully. We pride ourselves on our tremendous knowledge and our ability to guide our clients through the process, we perform each and every service we contract with you to perform, under the supervision and direction of our attorneys. To help us determine whether you potentially qualify for modification, we first gather your detailed financial information and conduct a free, no obligation financial analysis and initial consultation. Based on this preliminary information, we determine whether it is likely you will qualify for a loan modification from a financial perspective and relay to you what your modification terms may look like upon lender/servicer approval. We base our decision from our extensive experience in working with the various government and non-government programs offered by the various Lenders and Servicers. If we believe you do not have a case for modification, we will tell you why. We can help with loans owned by both private investors and the GSE’s (Fannie Mae and Freddie Mac), and primary residences, investment properties, and commercial real estate.
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