PandA is a top rated award winning local real estate law firm.
In Las Vegas, North Las Vegas and Henderson, Nevada, homeowners seeking a principal reduction, elimination of a second mortgage, or other loan workout, come to a Las Vegas loan modification attorney at PandA Law Firm for a creative and effective approach to their loan modification.
Much like a refinance, loan modifications make changes to your original loan in order to LOWER YOUR MORTGAGE PAYMENT. However, unlike a refinance, the changes are usually based on your income, not your credit score or home’s value. More importantly, a loan modification can actually lower the amount you owe the bank! That’s something a refinance can’t ever do. PandA Law Firm can help you:
Most loan modifications include one or more of the above changes, with the end result being a lower mortgage payment!
If your loan payment is too high for you to afford, sooner or later you will default on the loan. When that happens, the bank’s only option is to foreclose on your home and sell it, applying the proceeds against your loan balance. Every month that goes by while the bank is stuck with a property that it cannot sell represents lost revenue. On the other hand, if the bank agrees to a modification, it continues to generate a stream of revenue and will be better off in the long run.
Bankers know these facts and are willing to agree to a modification when they believe it is in their best interest. Part of our job as loan modification lawyers in Las Vegas is getting the lender to agree that your loan is a good candidate for a modification, and then negotiating the most favorable workout possible.
In most cases, PandA Law Firm can modify loans even when you’ve been turned down for a refinance or if you tried to get a modification on your own and the bank denied you. Our attorneys have successfully modified thousands of loans, and have experience with all major banks and most of the smaller ones. Because each case is different, our attorneys provide Free* Consultations. During your consult, your attorney will review your financials and use their experience to tell you whether or not you’ll qualify for a modification. If you don’t qualify, your attorney will discuss your other options. Call 702-818-3888 now to schedule your free* consultation!
Yes! In most cases, PandA Law Firm can modify mortgages for commercial and rental properties! Schedule your free* consultation with one of our firm’s partners today by calling 702-818-3888.
Why not do both? At PandA Law Firm, we understand that a lot of homeowners only want to keep their home if they can get the bank to reduce their principal. That’s why we’ve pioneered the All-in-One Program. If you’re on the fence about whether to modify your loan or short sell the property, click here to learn more.
To contact PandA Law Firm via email, please click here.
Where the mortgage is undersecured because the amount owed is greater than the value of the home securing it, it may be possible to bifurcate the loan. Bifurcation basically splits the loan into two loans, with a secured loan up to the value of the home and an unsecured loan covering the remaining balance. An unsecured debt may be discharged by a bankruptcy, subject to a debt settlement, or otherwise removed through the loan modification process.
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*We provide free consultations for Personal Injury, Debt Relief, Consumer Protection and Mortgage Assistance cases. Real Estate, Family Law and general Litigation cases may incur consultation fees. Contact us for more information.
Voted Best of Las Vegas 'Best Bankruptcy Firm' and Best of Las Vegas 'Best Alternative Dispute Resolution Law Firm (AKA Best Debt Settlement Law Firm)' and Best of Las Vegas 'Best Real Estate Law Firm' and Best of Las Vegas 'Best Divorce Lawyers' and Best of Las Vegas 'Best Tax Lawyer'.
PandA Law Firm
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email https://www.pandalawfirm.com/contact/
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to https://www.pandalawfirm.com/contact/