Clear Image Financial Group - Mortgage Modification Made Simple

I went onto the Clear Image account tonight & saw a note dated 11/4/09 that an email was sent to me. The email was not received. However, I did want to give you an update.

I had worked late on the due date for returning the signed Loan Modification acceptance papers & missed sending the overnight to the bank. However, I called the bank, got a fax #, sent the papers via fax, then sent the originals via overnight the next day. The bank rep was very nice to me & really sounded sincere when she provided the info, noting our loan accounts, & reassuring me that the next day shipment should be acceptable. End result: our online access to the loan account info was reinstated & the loan modification was completed.

That next day, I had an opportunity to chat with a colleague & told her about our recent Loan Modification experience. She has been going through her own Loan Mod with little success & just received a foreclosure notice. I gave her the 877# to Clear Image & Corey Lassiter's name. He provided great service & really understood our situation, even though our hardship letter was the first 2-pager he'd seen since helping people with loan mods!

Last Saturday, I spoke with Corey & told him all about how at first we were disappointed with the loan mod's new payment. Then after thinking about the total result of the modification, we realized the bank's offer was a good deal overall. After talking with Corey, this really sank in further. We will be sure to refer our friends who might be in need of this service.

We saved almost $50,000 between the principle reduction AND almost $400 less to the monthly payment for both our 1st mortgage & Equity Line of Credit, combined! Although we would have liked to have had an even lower monthly payment, this is still a great deal. Now, we have applied for a replacement homeowners insurance policy for next year's renewal (offered at $3400 premium). That is going to be another big help on lowering the escrow portion of the monthly payment (new policy premium of $2600).

One of the best parts of using Clear Image's services was being able to stay relaxed when the bank collectors called. It was very scary at first but became more comfortable because we were able to explain that "Clear Image was negotiating the Loan Modification on our behalf & asked the bank collectors to contact Clear Image directly." Once the bank reps were informed of this, they were very nice to us on the phone.

Some of the nicest things about Clear Image are the very kind & understanding receptionist (Denise), the account service reps (Tasha Merkling & Mercedes Montoya), & the most helpful Client Login web site. This was so wonderful to have access - we were able to see the steps the service reps were taking & respond to them when emails may not have been received. Kudos to the person who had this online access idea!

We love our home & want to keep it. Thank you to Clear Image for helping us do just that!

Sincerely,
Ziona & Tim Burkett

PS: We would also like to pass a BIG THANK YOU to Steve McRory for referring us to Jeff at Clear Image. Steve, you have taught me a whole lot about mortgage financing & thank you so much for everything!