Kevin Rasher is a dedicated loss mitigation attorney who brings 15 years of experience in the industry to his work at Modify Law Center. Currently a Senior Mitigation Attorney at the firm, Kevin Rasher has been approved by the U.S. Department of Housing and Urban Development and is a member in good standing of the Better Business Bureau.Unfortunately, homeowners facing financial hardship are not easily able to renegotiate their loans. As banks face no legal requirement to modify loans, the services of a mitigation attorney such as Kevin Rasher are necessary in almost all cases.Additionally, Kevin Rasher ensures that his clients do not fall prey to the many foreclosure scams currently circulating. There are a limited number of legal loan modification options available, and these are regulated by state and federal law. Kevin Rasher advises his clients about which options are applicable to their situations so that they are not fooled by con artists.In order to conduct a loan modification assessment, Kevin Rasher requires financial documentation, including tax returns, mortgage documents, insurance policies, and pay stubs. Based on the results of the assessment, Kevin Rasher may be able to negotiate a loan modification in as little as two weeks, although many loan modifications take several months to process.Kevin Rasher is able to modify virtually any aspect of a loan’s terms, including the interest rate, the duration of the loan, and the principal. However, Kevin Rasher cannot legally include unpaid late fees or home repairs in the modification, and the new loan must be a fixed-rate loan.For qualifying holders of Fannie Mae and Freddie Mac loans, Kevin Rasher can negotiate loan modifications under the U.S. Department of the Treasury’s Making Home Affordable program. This program runs until June 2010 and is aimed at homeowners with mortgages that originated on or before January 1, 2009. Since 2003, Kevin Rasher and the Modify Law Center team have helped struggling homeowners avoid foreclosure. Kevin Rasher can be contacted through the Modify Law Center at 800-509-2974 (949-313-1277 fax).