About Us

Our company is based on the belief that our customers' needs are of the utmost importance. Our entire team is committed to meeting those needs. We recognize the need for standards in the mortgage modification industry and we strive to achieve them. We believe modifications need to be performed with the homeowners best interest at heart. We provide training and support to professionals in the loan modification industry. We also pride ourselves in keeping modifiers up to date on the topics at hand so they can provide superior service to their clients. 

 We would welcome the opportunity to earn your trust and deliver you the best service in the industry.

Mission Statement

 United Mortgage Modifiers of America Association was created out of a determination to stop foreclosures and save our communities.  With our focus on education and building long-term relationships, we bring our program directly to our clients.  We recognize that all clients are unique, which is why we design solutions for their specific needs and offer them access to proven solutions.


Application for membership in the United Mortgage Modifiers Association-

Every applicant signals his or her commitment to uphold UMMAA values as follows:

 “I pledge to conduct my business in accordance with the laws, rules and regulations of the state, the federal government, and in accordance with the Code of Ethics, Standards of Practice, Bylaws, and Board policies of the United Mortgage Modifiers Association of America.  I understand that the failure to do so may result in the termination of my membership without refund.”

CODE OF ETHICS

The members of the United Mortgage Modifiers Association of America, believing that the interest of the public and private sectors are best served through the voluntary observance of ethical standards of practice, hereby subscribe to the following Code of Ethics.

 Honesty and Integrity

UMMAA members shall conduct business in a manner reflecting honesty, honor, and integrity.

 Professional Conduct

UMMA members shall conduct their business activities in a professional manner.

 Honesty in Advertising

UMMAA members shall endeavor to be accurate in all advertisements.

 Confidentiality

UMMAA members shall conduct their business in compliance with all applicable laws and regulations.

 Disclosure of Financial Interests

UMMAA members shall disclose any financial interest they may have in a loan transaction.

 A Guide to Ethical and Professional Practices in Mortgage Modification

 Housing is one of the most basic of all human needs.  Home ownership is an integral part of the fulfillment of the American Dream.  Members of the United Mortgage Modifiers of America Association , act as consumer advocates, while obtaining the finest modifications that are available for the achievement of this dream.  The role of the UMMAA member is to provide education, as well as solutions, to the current housing foreclosure problem.  UMMAA members adhere to the highest standards of ethical and professional conduct while fulfilling this responsibility.

 The Following Standards of Professional Practice are a model by which UMMAA members can measure their performance.  No standards of practice can prescribe actions covering all situations.  Common sense and good moral judgment are required in applying ethical principles to the complex realities of the mortgage industry.  Adherence to these standards will enhance professionalism in the mortgage industry and create goodwill among those who do business with UMMAA members.

ARTICLE I – HONESTY AND INTEGRITY

 ·        UMMAA members, whether by law or by professional commitment, have fiduciary duty to their clients, and strive to maintain absolute fidelity to their interest.

·        UMMAA members support consumers’ right to be treated fairly and honestly, to be given equal access and full disclosure, and to be subject to an objective evaluation.

·        UMMAA members make full disclosure of all pertinent facts to parties to a transaction, neither withholding relevant information nor being a party in any way to false representations.

·        UMMAA members will never ask borrowers or employees to sign a blank document.

ARTICLE II – PROFESSIONAL CONDUCT

 ·        UMMAA members refrain from any practices that are contrary to the best interest of the public or that are not in keeping with the dignity and integrity of the mortgage profession.

·        UMMAA members charge for services only such fees that are fair and reasonable and in accordance with general practice in the mortgage modification industry.

·        UMMAA members strive to stay in close communication with the client and lenders to ensure that questions are promptly answered as well as all significant events or problems.

·        UMMAA members are committed to continuing education regarding industry principles and practices in order to bring the highest level of knowledge and expertise to their clients.

·        UMMAA members, for the protection of all parties, ensure that all agreements are in writing, accurately reflecting the agreement of the parties, and that each party, at the time of signing or initialing, receives a copy.

·        UMMAA members provide the same high level of quality mortgage modification services to all borrowers, regardless of education, level of sophistication, race, color, gender, marital status, religion, age, physical challenge, ancestry, or national origin.