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Assistance from JP Morgan Chase in Las Vegas.

A loan modification and foreclosure assistance center has been opened by JP Morgan Chase in an effort to serve families in the greater Clark County Nevada region. The center will help people from across the community, including Las Vegas Nevada homeowners, who are struggling to make their monthly mortgage payments. Counselors are on site to meet face to face with borrowers, explore solutions, and to do their best to ensure the homeowner doesn’t face a foreclosure. The office is located at 500 N. Rainbow Blvd. Phone 702-259-7171

The reason that may experts think a center such as this can be successful is that it allows customers the ability to walk in and meet with loan specialists. This speeds up the process, and face to face communication is after all the best form of communication. It is much more efficient than having to mail in forms, hope they don’t get lost, waiting on replies, and going through that process. Discussing an issue or problem with someone directly is always the best option.

The goal that JP Morgan Chase has set for itself is to keep as many people in their homes for the long haul rather than just delay the inevitable foreclosure. So they focus their assistance programs on people who are more than likely going to be able to get back on their feet.

What type of modifications do Las Vegas homeowners get?

While the exact terms will vary based upon the applicants personal situation, the most common type of modification is changing the terms of the loan. This can include such changes as lowering interest rates, deferring payments, or  temporarily reducing payments.

At the start of the process, Chase loan officers will meet with the customer and review their financial situation. They will need to first determine whether the customer is eligible for a loan modification. Be sure to bring your records to the center, as the counselor will need supporting documents of any hardship, such as proof of a job loss, current mortgage information, details on the death of a spouse, severe medical condition or emergency, etc.





What classifies as a hardship is extensive. For example, maybe someone secured another job but not at the same earnings level, so they're underemployed. This may be considered a hardship. An unexpected medical emergency or bill may be considered a crisis as well. The homeowner needs to be sure to bring in documents on what has occurred, as well as expenses that they currently have. If you are not sure exactly what to bring, it is better to bring too much rather than too little.

The loan centers being set up by JP Morgan Chase are designed to help families and individuals who are at least 30 days delinquent on their mortgages. However, if you are less than 30 days late or about to miss a payment, the center can refer you to other programs.

The bottom line is that the Las Vegas loan-modification centers could save homeowners time and trouble as they will no longer be talking to people who have no decision-making power at the bank. Homeowners will no longer be sending in paperwork that gets lost or shelved, and they do not have to wait as long for a reply to their request for assistance.





By Jon McNamara

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