Modern House

Considering Restructuring Your Mortgage Loan?

Lowest Mortgage Rates in decades, apply now!



Our mission is to set the highest standard in the Mortgage Assistance industry and we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We utilize strategic "mortgage planning", so that we can help you increase your chances of obtaining approval for more favored mortgage loan programs offered by mortgage companies.

                                                       We also specialize in mortgage restructuring and we love what we do. Not

                                                       all folks qualify for a refinance or a restructure as the qualifications and

                                                       strategies with these are similar in nature but quite different. Mortgage                                                                 Restructuring (aka loan modification or aka loan adjustment ) is getting the

                                                       terms of your current loan changed while refinancing is paying off your old

                                                       loan, and replacing it with a new one.


                                                       One of the keys to success with obtaining a good mortgage restructure is                                                           passing "NPV" (Net Present Valuation). What is NPV?  It is a calculation and

                                                       mathematical formula that was popularized in 2008 by the FDIC for the

                                                       government's Making Homes Affordable program: "HAMP (Home

                                                       Affordable Modification Program) and for mortgage investors to see if it is

                                                       their best interest to modify/restructure a loan or not. Now a days, the

                                                       mortgage industry has "Servicers" (company who collect your payments)

                                                       and "Investors" (company who owns your note). The investor is who sets

                                                       guidelines for servicers to determine approval eligibility.

There are ton's of mortgage assistance and relief programs including loan modification, and refinance programs mortgage companies may offer. Navigating through them and learning which one if right for you is important as well as the pros and cons and risks involved with attempting to go for a certain program.  When it comes to Mortgage Assistance, professional and legitimate help is key.


What sets us apart from other companies is that we do not charge any upfront fees, and our team is obsessed with quality customer service and putting the needs of the people we serve first. 


We also work with a wide range of "A" rated lenders with first quality rates to private "hardship" lenders and this allows us to assist you in getting approved for all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, Conventional, Jumbo, FHA, Interest Only, Stated-Income, HELOC, HECM, VA, SBA and Commercial loans.


Purchase.                         Refinance.                        Restructure.                      Reverse.         

Buying your first home?                             Thinking of refinancing?                               Can you restructure instead?                       Want to use your homes equity?

Whatever your looking to do, we got you covered. We'll review your scenario to figure out what programs may be available to you and the pros and cons of attempting to go for a certain program.

For example, when refinancing, you may be able to get an FHA loan or go for a Conventional loan, but do you know why go FHA instead of Conventional or why go Conventional instead of FHA?

We'll educate you on this and many more....


RESTRUCTURE OR REFINANCE? That's a great question!

Knowing which route you should go, really depends on your specific

situation, such as; are you having difficulty paying your current mortgage payments? Is your credit good or bad? Are you current or behind on payments? Have you been denied for a refinance recently?

Whatever the answers, we may still be able to assist. Within about 5-10 minutes, we can evaluate your current situation and come up with a custom plan for your goals. Not everyone will qualify right away and not every scenario can get assistance. If presented correctly a lender may modify your current loan terms or refinance you under a new program. 




Apply Now!

Note that by Clicking "Submit" you agree to be contacted by us through email, mail, text (SMS/MMS), and/or phone including via pre-recorded message - even if you're on a state/federal Do Not Call Registry. You can ask us to stop contacting you at any time and we will.



We've dealt with most major mortgage servicers and mortgage companies. 

Obtaining a Loan Restructure/Modification is not attainable in every situation and results can vary.

Call us now for a Fast and FREE review of your mortgage scenario.

We operate on a 100% Contingency basis and charge $0 upfront fees!

Thinking of Refinancing or Restructuring?

Need more details?

We are here to assist. Contact us by phone, email or via our social media channels.

Call Toll Free:  1-855-499-7608

| New Vision Direct | 3951 Higuera St #2020 Culver City, CA 90232 | Phone: 1-855-499-7608 |

| Fax: 1-855-275-7018 | | |


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New Vision Direct helps you prepare and process the application for mortgage assistance programs offered by Mortgage Companies.  It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender or servicer. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us a fee for our services. We are not associated with the government, and our service is not approved by the government or your lender; and even if you accept our offer and use our service, your lender may not agree to change your loan.

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