Get a loan modification and save your home!

'Our goal is to lower your payment without actually refinancing'.

What makes our service different?

NO appraisals
NO equity required
NO FICO score requirements
NO refinancing
Forensic audits

ONE time, FLAT FEE!

Why Choose Provident & Associates?

We believe we provide a GREAT service. Not only that, but we get GREAT results. On this page, we have compiled our 'Top 15 - 20' BEST results and have organised our other, great results by lender - and also by two or more lenders.

We have results from GMAC,US Bank, Bank of America, Indymac, Countrywide, Wachovia, Washington Mutual,Nationstar - to name but a few! So take a look and see if your lender is here - if so, see what we can do for YOU!

Feel free to also review loan modification client testimonials.

'Top 15 -20' BEST Loan Modification Results

	Countrywide Our Best Result Ever! Old payment: $3,946 (4 months behind) New payment: $1,385 (including escrows) And even better...No good faith down payment! It's under the new Obama Home Affordability program. $153,000 of interest savings!
	Wachovia Another GREAT result! Principle Reduction of $167,395 ! A GREAT result! (result not typical) Original Payment: $5,295 6.57% Interest Only New Payment: $2,319 5 year step program starting at 3.65%
	US Bank - Another BIG Loan Modification! Old Payment: $3909.42 PI New Payment: $2302.28 PITI This represents savings of $2127.91! Top
	Chase - HUGE Permanent Modification! Old Payment: $2193.51 PI 7.25% New Payment: $1110.49 PITI 2.77% Savings of $1357.57! Top
	Client down 14 months of payments. Declined TWICE when he tried to do a loan mod on his own! Original payment: $4,210 New Payment: $1,446 P & I with impounds Total Savings = $2,746 per month. Our results just keep getting better! Top
	Bank of America finished in 30 days! Payment was: $3,097 Neg-Am Payment now: $1,350 3.125% interest rate $1,743 PER MONTH IN SAVINGS FOR 5 YEARS! Top
	Chase (client had a foreclosure auction date on their house for August 25th) Payment was: $2,899 principle/interest Payment now: $1,343 principle/interest/TAX/INSURANCE!! This is an actual savings with Tax and Insurance included of $1,752/month! Top
	GMAC (foreclosure auction was set for August) Payment was: $2,002 Interest Only Payment now: $1,023 PITI Savings more than $1,500 per month with the tax/insurance/principle payment added! Top
	WAMU 6 months down on payments $1,530,000 loan amount Original payment: $8,944 New payment: $6,400 2.62% Interest rate! Top
	Citibank Old Payment: $3,385 principle and interest New Payment: $2,480 principle, interest, tax and insurance Total savings = $1,838 per month! Top
	Wachovia- House in Foreclosure Principal reduction of $96,875.16 - rate reduction from 6.950% to 5% Payment went from $2,834.79 to $1,614.59 I/O for 5 years! Top
	Wachovia- in foreclosure- had sale date of July 16th- postponed- payment was $1282.64 PITI rate -8% Step program 3.05% first yr $468.25 I/O 3.175% $487.47 3.30% $506.67 3.425% $525.86 3.550% $545.05 3.675% $564.24 4.328% remaining term of loan PITI $863.19 Forgave all late fees, payments,interest and legal fees! Top
	HomEQ From 9.625% to 5.5% 5 year fixed Monthly savings total $1,736.52 ! Top
	Home EQ - Another BIG loan modification for 2010!! Old payment: $4624.00 PI New payment: $2766.23 PITI Savings of $2666.28! Top
	Saxon Payment was: $3,656/month ARM Payment Now: $3,014/month for 5 years Savings: $38,520! Top
	GMAC - Cancellation of Debt Amount - $86,796.53 - 2nd mortgage debt forgiven ! Top
	This customer was 6 months behind- his loan amount is $543,053- his interest rate was 6.25 pmt 2135.70 I/O- did not include taxes and Ins- his new pmt is now 2153.23 including his taxes and Ins at a rate of 2.5 %. He has also tried to do a modification with his lender previously with EMC and was denied. We also got 10K in late fees and arrears written off. Total interest savings: $1,697 per month! Top
	Greentree Mortgage Original Payment: $3985.49 I/O New Payment: $2161.99 PITI Savings of $2455.16 ! AND $93,000 IN PRINCIPLE REDUCTION! (result not typical) Top

More Loan Modification Results - By Lender

Click on the lender name to see the results; click again to close!Top

America's Servicing Company (ASC)

	ASC (8 months behind, trustee sale post poned twice) Old Payment: $2,991 New Payment: $2,452 Savings of $538 and the $24,000 in arrears is added to the principle!
	America's Servicing Company 1st - Loan modification 1st Dropped rate from 7.35% ARM to 4.95% 30 year fixed. Payment savings = $968/month!
	America's Servicing Company Old Payment: $2,135 New Payment: $1,240 Savings: $895/month !!
	America's Servicing Company Old payment: $2650.75 PI 8.375% New payment: $2168.94 PI 5.25% Savings of $481.81

Aurora

Aurora

Old payment $881.61with impounds ( p & I pmt $778.29 )
New paymentt $566.33 with Impounds ( p & I pmt $463.01 ) !

Aurora

Old payment: $2578.33 I/0
New payment: $1362.87 pi

Savings: $1215.46 + PRINCIPLE PAYMENTS!

Bank of America

	Bank of America Payment was $909.30 I/O Payment now $432.21 P & I 3.625% 5 yr 5.375% P & I remaining term of loan
	Bank of America Old payment: $3,271 - Interest Only Adjustable New payment: $2731 Principle, Interest, Tax, and Insurance Savings of over $1,200 per month!
	Bank of America Payment was $3061.40 PITI Payment now:$2376.46 PITI Total savings: $684.94
	BANK OF AMERICA- ACCOUNT WAS NO LONGER A 2ND AND WAS IN COLLECTIONS OLD PAYMENT WAS: $756.00 NOW $250.00 ZERO PERCENT INTEREST SAVE $9,072 OVER 1 YEAR!
	Bank Of America- in foreclosure Old payment: adj I/ O $2200.00- no impounds New Paymentt $1848.29 PITI Total Savings: $979/month!!
	Bank Of America Was $219.92- was 8.5% Now- 1% - payment $87.19 That's 60% off their monthly payment!
	Bank of America Old payment: $1309.78 PI New Payment: $1007.49 PI TI Savings of $ 675 .29!
	Bank of America Old payment: $3149.55 int only New payment: $3443.59 with principle, interest, taxes, and insurance included! Savings of $838.96!
	Bank of America Old payment: $4172.24 PI New payment: $1845.74 PITI Savings of $2929.50!
	Bank of America Old payment: $2112.29 PITI New payment: $1333.31 PITI Savings of $778.98!
	Bank of America Old payment: $2400.00 interest only with impounds New payment: $1240.00 PITI Savings of $1602!
	Bank of America Old payment: $3641.15 PITI @ 6.875% New payment: $2725.60 PITI @ 2% Savings of $915.55!
	Bank of America $1441.50/month original payment $1808 was old mortgage, but client was $20k behind Savings = $367/month

Bayview Mortgage

Lender –Bayview Mortgage

Previous loan program: 6.625% Payment: $1656.25 P&I $2175.25 PITI

New modified loan program: 2% for 5 yrs. Caps out @ 5% 3 Mo. Trial Mod with Payment of $1396.76 PITI

Savings: $778.49 per month

Budget Financial Company

Budget Finance Company (client 3 months behind)

Rate drop from 10.8 to 7%.
Payment went from $573.00 per month to $397.87 per month!

Chase

	Chase - 6 Months Behind 9.25% down to 4.07% for 3 years and then 5.07% for the life of the loan. Total savings of $1,113 per month!
	Chase Old payment: $2859.27 IO New Payment: $3005.76 PITI
	Chase Old Payment: $3038 PI New Payment: $3325 PITI Savings over $1400

Citi Bank

Citi Bank

Old payment: $1695.25 P/I

New payment: $1228.75 PITI

Countrywide

	Countrywide Originally in ARM 7 months behind 9.75% rate New Rate: 3.625% for 5 years 5.375% for remaining term.
	Countrywide - NOT a trial! Old rate: 7.5 - P & I- payment $2411.77 New rate: 4%- P & I - payment $1664.61 Savings: $747.16 a month!
	Countrywide Old payment: $3809.97 - I/O with T & I New payment- PITI: $2317.25 Savings:$1492.72 a month!
	Countrywide Old payment: $2359.44 PITI- adjustable New payment: - $1650.44 PITI Savings of $709.00!
	Countrywide - Loan modification (client 7 months behind) Interest rate dropped from 6.25% ARM to 4.25% 5 year fixed interest only. Payment savings = $1,258.33/month!

GMAC

	GMAC Old Payment: $2,146 New Payment: $1,519 29% payment decrease!
	GMAC - Loan Modification Interest rate dropped from 7.25% ARM to 4.2% 30 year fixed. Payment savings = $632.28/monthly !
	GMAC - Negative Amortization Loan Negative am. loan- $4.125 Negative payment- $1410.71 and P & I payment $2061.43 New payment: - $1753.20 - PITI Total Savings: $308.23 a month plus in a fixed loan now, which was what the customers goal was!
	GMAC Old Payment: $1,274 New Payment: $743 Savings = 42%!
	GMAC HUGE SAVINGS ON A 2ND! Old Payment: $746.00 New Payment: $418.61 Savings: $327.89
	GMAC Old payment: $1952.13 PITI @ 5.183% New payment: $1057.06 PITI @ 2% Savings of $895.07

Home EQ

Home EQ

Old payment: $4624.00 PI
New payment: $2766.23 PITI

Savings of $2666.28!

Homecomings Financial

Homecomings Financial - Loan Modification (client 5 months behind)

Dropped interest from 8.5% fixed to 6.5% fixed.
Payment savings = $167.37!

HSBC

HSBC

Old payment was $2508.33
New payment: $1722.15

Savings: $786.18

Indymac

	Indymac - In Foreclosure Temporary Principal reduction of $144, 664 till the year 2036 - interest reduced on balance to 3 % for 5 years, then 4.75% for remaining terms. Payment was $986.00 interest rate 5.75% New reduced payment of $622.40 !
	Indymac 7% Payment - $2,121 Now - 3% Payment 1,196 Total savings = $924 per month and loan fixes at 5.25% in 5 years
	Indymac Old Payment: $1,275 Interest Only 6% New Payment: $1,301 Principle, interest and TAX AND INSURANCE ADDED! Interest rate: Below 2% !
	Indymac New Payment - $1811.02 Savings - $740

Litton Loan

	Litton Loan (finished in 3 weeks) Payment was: $3,315 Interest Only with tax & insurance Payment now: $2,748 Principle, Interest, Tax, & Insurance Total savings: More than $900/month with principle payments!
	Litton Old payment: $1485.00 New payment: $895.01 Savings: $590/month!
	Litton Loan Old payment: $1408.23 PITI @ 5.89% New payment: $866.44 PITI @ 2% Savings of $541.78!

National City

	National City Payment was $700.00 New payment is $283.11 per month -locked in for the next 2 yrs at 1%. Total savings = $ 416.89!
	PNC- National City Was: $336.00 at 3.25 Now $110.00 at 1%

Nationstar Bank

Nationstar Mortgage - Rate Reduction

Rate was 6.950% - now 5.597 %
Payment now $3,421.21- was $4,797.37!

Nationwide

Nationwide - trail and repayment

Payment was: $1281.61 PITI

1st payment: $1046.00
2nd payment- $1046.00
3rd payment- $97.56

They are past due since June '09. Once they complete the payments the modification will take place.

PNC Mortgage

PNC Mortgage

Old payment: $2357.30 @ 6.125
New payment: $1917.74 @ 5.00

Savings of $439.56!

SPS

SPS

Payment was: $1366.95 PITI
Payment now: $807.24 PITI

Total savings: $559.71

Suntrust Bank

Suntrust Bank

Old payment: $3806.43 I/O @ 6.25%

New Payment: $3075.24 PITI @ 3.5% for the first 2 years
$3749.24 PITI @ 4.5% for 3rd and 4th year
$4255.09 PITI @ 5.25% for the remainding term of loan

Savings over $1746.75 per month!

US Bank

US Bank- started 8/21

Payment was: $2178.77 I/O 5.5
Payment now: 3% PITI $ 2040.37

Savings over $800/month with principle payments!

Wachovia

Wachovia And Franklin

1st loan: $386,000 1st 7% adjustable down to 5% step program fixing at 6.5% for the life of the loan in 6 years.
Initial interest savings = $696/month

2nd loan: from 6% adjustable to 1% adjustable $414 to $247 payment.

Total combined savings = $943/month!

Wachovia Bank

Old Payment: $2634.94 PITI 6.49%

New Payment: $918.71 I/O 2.9% 1st yr
$1037.50 I/O 3.275% 2nd yr
$1156.30 I/O 3.65% 3rd yr
$1275.10 I/O 4.025% 4th
$1393.90 I/O 4.4% 5th yr
$1512.69 I/O 4.775% 6th yr

$1980.14 PI 5.168% for the remaining term of loan

A saving of $1716.23!!

Wachovia

Old payment: $2561.89 PITI
New payment: $1222.11 PITI

Savings of $1339.78!

Washington Mutual (WAMU)

	WAMU - $ 570,000 loan amount plus $22,000 in arrears Original payment - $2,913 I.O. rate has adjusted New payment - $2,201 5/1 I.O Monthly savings total: $712!
	WAMU Original payment: $1,606 New Payment: $941 5 year fixed and if she makes her payments on time for 5 years, this payment will remain for the duration.
	WAMU Equity Payment was $1150.47 at 10.10% Payment now $183.34 Total savings of $967.13!
	WAMU Old Payment: $3,403 New Payment: $2,006 Total savings $1,397/month!
	WAMU Old payment: $2364.18 p/I New payment: $1791.20 PITI Savings of $983.98!
	WAMU Old Payment: $3402.89 PI 6.875% New Payment: $ 2005.74 PITI 2% Savings of $2008.23
	WAMU Old payment: $2037.54 PITI New payment: $1186.88 PITI Savings of $850.66

Wells Fargo

Wells Fargo

Payment was: $718.24 PITI
Payment now: $403.64 PITI

Total savings $314.60!

Wells Fargo

Old payment: $2165.83 I/0
New payment: $1594.27 PITI

Savings of over $900/month!

Other Results plus those with Two or More Lenders!

Click on the lender name to see the results; click again to close! Top

Other Results Plus Those With Two or More Lenders!

	Nationstar Bank Modification Completed in 6 Days!! 3 months behind Original Payment: $2,185 New Payment: $1,277 for 2 years Total Savings = $21,792!
	2nd - GMAC - Loan Modification Dropped rate from 9.99% fixed to 6% fixed. Payment savings = $266/month ! Total client savings = $1,234/month!
	Nationstar Payment was: $2,549 Payment now: $1,747
	2nd - Beneficial Payment was: $848 Payment now: $428 Total client savings = $1,222 per month!
	1st - Bank of America Payment was $2,297 - 7.5% Payment now $1,608 - 4%
	2nd - Countrywide Payment was: $1,190 - 12.75% Payment now: $674 - 6% TOTAL MONTHLY SAVINGS: $1,205 !
	Originally 6.5% ARM Interest Only New payment: 6.375% 40 year fixed Principle & Interest Total Savings= $622/month AND paying principle & interest instead of I.O.
	Countrywide - Bank of America Old Payment: $2,268 Interest Only New Payment: $1,413 Interest Only Monthly Savings = 38% !
	1st - Wells Fargo Old payment $1934.26 PITI New payment:$1379.20 PITI Total savings: $555.06!
	2nd - EMC Old payment: $471.92 New payment: $210.96- trial Total savings: $260.96
	Wamu/Chase Old payment: $4290.30 PITI @ 7.875% New payment: $ 2088.66 PITI @ 2% Savings of $2201.64!

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Contact us or CALL 866-352-2660 TODAY for a FREE evaluation!

Office: 925-485-9502 | Toll free: 866-352-2660 | Fax: 925 485 9505

39 California Avenue ste 203

Pleasanton CA 94566

Get a loan modification and save your home!

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Why Choose Provident & Associates?

'Top 15 -20' BEST Loan Modification Results

More Loan Modification Results - By Lender

Other Results plus those with Two or More Lenders!