You Deserve a Fair Chance to Keep Your Home. Let’s Talk About It.

Falling behind on your mortgage doesn’t mean all hope is lost. Foreclosure can feel like a storm you can’t escape—but with the right support and strategy, you may still be able to protect your home and regain control of your finances.

At Visionary Surplus Recovery, we believe every homeowner deserves to be heard, informed, and empowered. Whether you’re just a few payments behind or already in foreclosure, one option worth exploring is a loan modification—and we’ll help you do it the right way.

📞 Call (813) 934-4146 now to schedule a free consultation with a team who truly understands what you’re going through—and how to help.

What Is a Loan Modification?

A loan modification changes the terms of your current mortgage—not a refinance or new loan, but an adjustment to make your monthly payment more affordable. This often includes:

• Extending the loan term

• Lowering the interest rate

• Rolling missed payments into the balance

• Adding a balloon payment at the end (in some cases)

It’s not one-size-fits-all—and that’s why having professional guidance can make the difference between approval and denial.

How Visionary Surplus Recovery Helps You

We’re not a law firm—but we work with foreclosure defense attorneys and experienced negotiators who handle cases just like yours every day. Here's what we do:

✅ Evaluate your eligibility
✅ Help prepare your financial documents
✅ Submit or resubmit your application
✅ Follow up consistently with your lender
✅ Negotiate better terms with your loan servicer
✅ Coordinate with your attorney to manage your foreclosure case

Too many homeowners trust the bank's word—only to find out too late that their application was denied while the court moved forward with the sale. Don't let that be your story.

Are You Eligible for a Loan Modification?

Loan modification approval depends on several factors, including:

• The type of loan you have (FHA, VA, conventional, etc.)

• Whether you’ve previously applied or been approved

• The reason you're behind on payments

• Your income and debt obligations

• How far along your foreclosure case is

• The remaining loan balance and property value

We help you understand where you stand—and what steps to take next.

Why It’s Worth Getting Help

Banks have attorneys. So should you.
Even though you can try to modify your loan alone, the odds are often stacked against you. Delays, missing documents, or vague instructions from your servicer can derail your efforts—and lead to foreclosure.

Our team works alongside professionals who know how to communicate with lenders, push through red tape, and advocate for homeowners.

What to Do Now

1. Call us at (813) 934-4146 for a free consultation

2. Review your options—loan modification or otherwise

3. Let us assist you in negotiating with your lender

4. Take back control of your situation—with support on your side

Visionary Surplus Recovery
Helping Florida homeowners make smart moves during tough times.
📞 (813) 934-4146