FEE  -  $2,895
Our fee comes with a 100% Money Back Guarantee. It covers the entire loan modification process for one property, inclusive of up to 3 separate mortgages on one primary residence.  If your application is accepted by our firm, we guarantee that your mortgage loan up to $729,750 on your primary residence will be modified by your lender to payment and terms better than what they are today.

100% Money Back Guarantee

Pacific Capital Mortgage, Inc. dba LoanModOnline.net will guarantee to provide you, our Client, with a loan modification of your existing mortgage loan on your primary residence.  If we fail to obtain a loan modification of your current mortgage loan, Pacific Capital Mortgage, Inc. will provide you a full 100 Percent REFUND, with the exception to the conditions listed below*.  We retain no fees for our legal cost or administrative processing work, if we are unsuccessful.  The reason we are able to guarantee our work, is because we pre-qualify our clients before taking them on, and our success rate is near 100%.  If we are unsuccessful, we are happy to refund all of your funds that you have invested in our firm to retain our services.

Pacific Capital Mortgage, Inc., dba LoanModOnline.net believes in assisting clients to the best of our ability!  We only hope in return you will send us as many referrals as you can think of.

* The 100% money back guarantee does not apply to Non Owner Occupied Investment Properties, Second Homes, Residences with first mortgage loan amounts in excess of $729,750, and on Primary Residences where a NOD has been filed.  A NOD is a Notice Of Default which usually is seen posted to a door or window on the property.  Lenders file in the public records where the property is located a public notice called the Notice of Default.  In some states, the Notice of Default is also attached to the home, generally on the front window, like a big scarlet letter.  It states that the borrower is in default, behind in the mortgage payments, and if the payments are not paid up, the lender will seize the home.  Pacific Capital Mortgage, Inc., dba LoanModOnline.net, does not guarantee the modification/resolution term, only that a resolution will be offered.  In Arizona and California, lenders typically do not file a Notice of Default until the borrower is at least 60 days behind in making payments.  Lenders must then wait 90 days.  During that 90-day period, the borrower has the right to make up the back payments and reinstate the loan.