“I resided in Jersey City, NJ when I first visited the Cabanillas & Associates Union City office location in 2011. I was three years behind on my Federal Housing Administration (FHA) loan payments with Bank of America. I needed a loan modification so that my property would not go into foreclosure. I retained Cabanillas & Associates in hopes of being able to save my home, and was relieved that the loan modification team started working on my case immediately. Everything was going well when my husband passed away suddenly in December of 2014. After the loss of my husband, I was devastated and felt like giving up on keeping my property. Just when I was about to give up, an approval letter was received by the Cabanillas team for a trial plan. After making my first three monthly payments, I received a permanent modification with a loan forgiveness of over $200,000.00 towards my debt and a new fixed interest rate of 2%. I was ecstatic at the fact that all of my worries with the house were finally over. I thank the soul of my husband, which I believe is responsible for what I call a miracle. I can now stay in my home, and I am most thankful because I can remain in the home which my husband and I created so many good memories. I continue to be a very happy client, all thanks to the help of Cabanillas & Associates P.C.”