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I am passionate in what I do, and believe in taking exceptional care of my clients. I got into the mortgage business at the beginning of the refi boom, and my main objective was to help people find the right mortgage program for their situation. There were a lot of Mortgage Consultants and Loan Officers during that period that did not have their clients best interest at heart, and were more concerned with making a quick buck. I always strived to set myself apart from those individuals.
Now I am in the Loan Modification business, and my main objective is to help those individuals that now find themselves in the unfortunate position of having been put in the wrong mortgage.
LRJ Financial has 12+ years industry experience, we are 100% attorney backed, and offer a 100% MONEY BACK GAURANTEE if we are unable to get a modification done for you. We pride ourselves on ethics, integrity, and exemplary customer service.

Profile Summary:
Mortgage Modification Saint Paul, MN
More About Me
My interest are varied, but to narrow it down to a few things, I'll start with my family. I have a 3 year old son that is the light of my life, and occupies the majority of my time. My other primary interest would be Loan Modifications. I'm totally immersed in helping as many people as I possibly can during this real estate/mortgage crisis. It is something that has affected the vast majority of us, myself included, which is why I take it to heart like I do. I love to fish, though I don't get enough time to do much of it. I am also a football junkie. I've been involved with it almost my entire life in some capacity.
Real Estate
Property Management
Phillip Hosey is located in Saint Paul, MN and has the following skills: Mortgage Modification
Real Estate / Property
Similar Skillwho Members
My Skills

Mortgage Modification

Category: Real Estate / Property
A mortgage or loan modification is: The process whereby a Homeowner's
current mortgage terms are modified and both the
Lender and Homeowner are bound by the new terms.
• The most common modifications are:
1. Lowering the interest rate
2. Reducing the principal balance
3. Converting an adjustable interest rate (ARM) to a
fixed rate
4. Extending the loan term or re-amortization
5. Forgiveness of past due payments and fees
6. Any combination of these scenarios
Relevant Education / Credentials
Years Experience: 1