"After I was laid off from my job and I had my first child, I knew I was in a bad position. When my lender started foreclosure proceedings, Iowa Mortgage Help got involved. The process was very smooth and my rep stayed in contact with me, and even afterward called to make sure everything was going okay."

-- Zakiya Jenkins

"In August 2006, my husband and I were notified by the mortgage company that our rate was going to adjust. I contacted them about locking in a rate, only to be told that they wouldn't be able to help. Our house payment went up $700/month. We struggled to put gas in our vehicles to get to work and to buy groceries. Then, a friend gave me the number to Iowa Mortgage Help. We are convinced that without the vast knowledge and assistance of Iowa Mortgage Help, we would have lost our home."

-- John & Andrea Davison

"I don't know what I would have done without the help of Iowa Mortgage Help. After a long and expensive battle with medical bills, I faced foreclosure of a home that has been in my family for over 100 years. I was finally able to get a successful loan modification and a payment I can afford in order to take care of my home. I'd have lost everything if it wasn't for their assistance."

-- Rebecca Swyers

LEGAL SERVICES

Through a unique partnership with Iowa Legal Aid, eligible Iowa Mortgage Help clients receive free legal services to help them navigate through the foreclosure process. This is an expense that could otherwise add up to thousands of dollars!

Iowa Legal Aid attorneys will provide a range of services to Iowa Mortgage Help clients which may include (determined on a case-by-case basis): legal advice and counseling, preparation of court forms, limited negotiations, and representation in court proceedings.

Iowa Legal Aid also provides Iowa Mortgage Help clients with free legal services for issues and problems that are not necessarily directly tied to a foreclosure case, but may impact whether the modification action will be successful.

These additional services could include, clearing title for property, bankruptcy counseling, preventing wage garnishment, drafting rental agreements for borrowers who have renters in the home, assistance with tax issues, enforcing family law support orders, recouping monies paid by unsuspecting borrowers to mortgage scammers, among other legal issues that may impact a successful mortgage modification application.