I’ve been contacted by Apex Members to do a loan modification on our mortgage. Sounds great. They can get us t least 4%, possibly lower, but I can’t find anything to validate the company online. They said that William D Goodrich is the lawyer that does their work, and I did email him. The problem is that they need $990 upfront before they can begin the process. He said that their company can get us the modification, and if we go to our loan company, they probably won’t give it to us.
How can we find out if this company is honest?
Also, we’ve been in this house for 6 years, but have refinanced 2 x. For the Federal Loan Modification, It states loans before 2009. Our original loan on this house was before 2009, but we’ve refinanced since then. Would that disqualify us for the modification?
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