Massachusetts Loan Modification Center|    
     

The Massachusetts Loan Modification Center has only one core mission, and that is to help you save money on your residential or commercial mortgage payments by favorably adjusting, or “modifying” your interest rate, your principal balance, the length of your loan or by forgiveness of past due amounts, late fees and collection costs. While each person’s current mortgage and financial circumstances are different, that is why you will enjoy the benefit in knowing that your no cost consultation will be with a licensed Massachusetts Attorney who has a record of success in obtaining loan modifications. You will receive a complimentary analysis of your loan or loans, as well as advice on what options you may have available to reduce your monthly payments or otherwise assist you in obtaining a new payment arrangement with your lender.

Recent Results

Client from New Bedford --- Original Payment $1,163.45 --- Reduced Payment $600.40 --- Savings $563.05
Client from New Beford--- Original Interest 7.00% ---- Reduced Interest 2.00% --- Savings 5.00%

Client from Randolph ---- Principal Forgiveness $101,787.69

Client from Natick ---- Interest rate before 8.75% --interest rate after 3% --- Reduction of 5.75%
Client from Natick ---- principle forgiveness of $141,964.38.

Client from Plymouth---- Payment Before $1,889.00---- Payment After $1,339.37----- Savings $549.63
Client from Plymouth ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Woburn---- Payment Before $1,533.27---- Payment After $979.6----- Savings $553.67
Client from Woburn ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Bellingham---- Payment Before $1,841.00 ---- Payment After $1,207.69 ----- Savings $633.31
Client from Bellingham ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Pembroke---- Payment Before $1,722.07 ---- Payment After $881.30 ----- Savings $840.77
Client from Pembroke---- Interest Rate Before 4.81% --Interest Rate After 2.00% --- Reduction of 2.81%

Client from Chicopee---- Payment Before $1,739.00 ---- Payment After $1,339.72 ----- Savings $399.28
Client from Chicopee ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Marlborough---- Payment Before $2,564.78 ---- Payment After $1,839.56 ----- Savings $725.22
Client from Marlborough ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Monson---- Payment Before $1,107.47 ---- Payment After $686.79 ----- Savings $420.68
Client from Monson ---- Interest Rate Before 5.75% --Interest Rate After 2.00% --- Reduction of 3.75%

Client from Framingham---- Payment Before $2,963.47 ---- Payment After $1,465.87 ----- Savings $1,497.60
Client from Framingham ---- Interest Rate Before 5.75% --Interest Rate After 2.00% --- Reduction of 3.75%

Client from Abington---- Payment Before $2,365.00 ---- Payment After $2,027.13 ----- Savings $337.87
Client from Chicopee ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Springfield---- Payment Before $1,231.00 ---- Payment After $876.03 ----- Savings $354.97
Client from Springfield ---- Interest Rate Before 7.13% --Interest Rate After 2.00% --- Reduction of 5.13%

Client from Acton---- Payment Before $897.21 ---- Payment After $692.99 ----- Savings $204.22
Client from Acton---- Interest Rate Before 5.00% --Interest Rate After 3.25% --- Reduction of 1.75%

Client from Dedham---- Payment Before $2,600.00 ---- Payment After $2,125.34 ----- Savings $474.66
Client from Dedham---- Interest Rate Before Adjustible --Interest Rate After Fixed --- Reduction -

Client from Swansea---- Principal Forgiveness $187,722.59
Client from Chicopee------ Principal Forgiveness $118,918.78

Client from Dudley---- 46 Months behind - brough current - (Over $60,000 behind)
Client from Falmouth------36 months behind - brought current (Over $50,000 behind)

Client from Sudbury Original Payment $6,091.03 Reduced Payment $3420.14
Client from Sudbury Interest 2% first 5 years then increased to max 3.85%

Client in Brockton---- Payment Before $2585.00 ---- Payment After $1940.27 ----- Savings = $644.73
Interest before Adjustable at 7.25% --Interest After 5% and now fixed Savings 2.25%

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Richard S. Ravosa, Esquire

A Loan Modification Can

  • Lower your monthly payment
  • Lower your interest rate
  • Lower your principal balance
  • Eliminate late fees & attorney fees
  • Reduce your stress level
  • Help you keep your home


Michelle Cote

Richard S. Ravosa, Esquire, was one of only fifteen lawyers recognized in 2005 by Massachusetts Lawyers Weekly as a “rising star” for his achievements in representing clients with difficult legal obstacles to overcome, his business acumen, and entrepreneurship skills. Attorney Ravosa is admitted to the practice of law in Massachusetts and Connecticut and has an accomplished record as a bankruptcy lawyer, trial lawyer, negotiator, and strategist. Attorney Ravosa is a member of the Boston Bar Association, Massachusetts Bar Association, American Trial Lawyers Association, American Bankruptcy Institute, National Association of Consumer Bankruptcy Attorneys and a member of the Boston Bar Association's Bankruptcy Section and is chief legal counsel of the Massachusetts Bankruptcy Center.

 

Attorney Michelle L. Cote heads the firm’s Worcester office. She is a graduate of the Massachusetts School of Law at Andover, where she won numerous awards of distinction for legal writing, legal advocacy, and litigation practice. Her practice is focused on all areas of personal injury law, including car accidents, animal attacks, slip and fall cases, catastrophic injuries, medical malpractice, products liability, premises liability and insurance litigation. Attorney Cote also oversees the firm’s Loan Modification and Mortgage Restructuring Department and Business Law Division. She is a cum laude graduate of Worcester State College and Assumption College in Worcester. Attorney Cote is a member of the American Bar Association, Massachusetts Bar Association and Worcester County Bar Association.

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This page may be considered “advertising” under Massachusetts Supreme Judicial Court. The information presented on this page in no way constitutes legal advice and does not establish an attorney client relationship, which can only be done after you and an attorney meet and agree on the terms of that relationship.