PFS opened its doors, unofficially, in September of 2007 as an alternative for candidates calling into local Dallas/Fort Worth mortgage companies. As loan  products and programs started to disappear, a group of loan officers wanting to help their clients started performing loan modifications. After the great success at this first round of modifications, the company incorporated and started doing strictly loan modifications and principle reductions.

We found, what you as a lay person has inevitably discovered, that loan modifications and the successful completion of said modifications are not easy to execute. The main reason for the trouble in completing a loan modification is the lender not wanting to approve and the difficulty to which they make the process of approval.

As a company, we have gone through the “growing pains” of learning what can and cannot be done with a loan modification. This is something that a lender will not tell you until the end of the process when they let you know if you have been approved or not. WE HAVE ALREADY DONE THE LEG WORK FOR YOU.

We are not a fly-by-night company that popped up in the last six months to make a buck off of the recent trend in modifications. We are mortgage professionals doing what we know best, getting your loan re-underwritten. We are owned and operated by former top producing loan officers and every file is touched at least once by a principle owner of the company. A principle owner also takes part in the final negotiation with your lender. We have a stake in your modification and its approval.

As a company we do not take on every file that comes our way. We do an extensive prequalification as we do not work on files that we feel cannot be completed. As a result of our due diligence, our success rate is higher than any other company and we offer a 100% guarantee that we will get an offer from your lender.

As part of our program for fixing your over all financial picture, we also offer debt settlement services.  After we are done with the restructuring of your finances, we will refer you to a reputable credit repair company that we do business with.

Debt settlement is a great way to get debt free very quickly, just make sure you use someone who tells you the truth about their programs.