Looking in Phoenix Az to Get a Loan? I am a Senior Account Executive for National Standard Financial in the mortgage services dept. National Standard Financial is a one stop financial services company in the mortgage mediation industry. They can now offer a fairly new service called short pay re-finance. This program basically re-finances properties, both residential and commercial that are financially upside down (mortgage over value). National Standard Financial is able to negotiate forgiveness by the note holder of a portion of the loan amounts on the property and re-finance at today's value. That could be a substantial loan reduction amount. The short pay re-finance program reduces the loan amount considerably and the loan payment goes down accordingly without a negative effect on the borrower's credit. There are no loan amount limits on a short pay re-finance. Check it out now at our website <http://www.nationalstandardfinancial.com/>. In addition to this, they have all the other programs a mortgage company offers. Let me know if you or somebody you know may be experiencing the above problem and wants a way out. Requirements are they must be current and on time for the past 12 months regarding their mortgage payment history. If an owner has done all the right things and now suddenly their property is not worth what they owe this is considered a hardship and could qualify for the short pay re-finance program. If they call their lender for a loan modification the lender may tell them they can't help them because they are not behind on their payments and instruct the borrower to call back when they get behind. National Standard Financial can literally get loan amounts reduced to real current loan to value ratios with all necessary documents, a new appraisal and a new short pay re-finance loan. If you are in Phoenix Az or the surrounding areas and are looking to Get a Loan or home mortgage, please call.