Welcome. In these tough economic times, hard-working homeowners feel trapped in a perfect storm of adjustable mortgages, dropping home values, and tightening credit requirements. Some might think the only way out is to just walk away from their home. In many cases, our office can drive those storm clouds away and have you seeing blue skies, like those you see above.  As attorneys with a combined 60 years of experience assisting Maryland families and businesses in banking, foreclosure, real estate and bankruptcy matters, the Law Offices of Richard W. Moore is here to apply that knowledge and experience to assist homeowners struggling to keep their homes by achieving a modification of their current mortgage. We can help! 

If you are having trouble with your mortgage, facing default or foreclosure, if your rate has been adjusted upward, we can be your advocates to negotiate with your current lender to re-structure and modify your loan. We can help:

• Lower your interest rate to a comfortable payment you can afford
• Stop foreclosure with a loan modification agreement
• Change the terms of an Option ARM mortgage
• Obtain a principal reduction or forbearance

The new modified mortgage contract that our office would negotiate with your lender can result in savings over the life of your mortgage of $50,000 or more!!

Call us at 410-825-1790 or email us today!! 

What We Do

When you call, we will review your financial and personal information to "pre-screen" you for eligibility for a loan modification. If we believe you will qualify, we will prepare a package for submission to your lender, and will advocate for a change in your mortgage terms which will benefit you for up to 30 years. The legal services we provide will strive for some combination of a lower interest and longer repayment term, which could lower your monthly payment by a considerable amount. One element of the process is to demonstrate the hardship that you are currently enduring, due to loss of job, reduction of hours, illness, etc.              

Do any of these apply to you?

I owe more than my house is worth.

I'm stuck in an ARM and I can't qualify to refinance.

I'm behind on my payments. 

Our household income has dropped off.   

My interest rate has jumped up.

Now is the time to act!!

The lenders' willingness to modify their loans has not been greater than right now. The federal government has provided incentives for lenders to modify their loans to homeowners experiencing hardship. Procrastination could result in missing this tremendous opportunity, which could keep you in your home and save you $50,000 or more!

Call Us Today!

Call us at 410-825-1790 between 9-5, 443-253-1380 evenings and weekends, or email us right away!

We look forward to hearing from you!