Michael Gaddis, J.D. Realty Group

After multiple loan modification denials from our bank, we went to an «expert» lawyer that guaranteed help. They were expert in hard sale tactics and big words, but in loan modifications, not so much. They even «gave» us a second attempt at modification and failed miserably. As a last ditch effort to save our house, I googled loan mods and found Michael Gaddis. He gave us a free consultation and an honest assessment of our situation. Michael Gaddis never pressured us and let us make our own decisions. Our loan was even transferred a couple of times, and Michael Gaddis stuck with us throughout. Michael Gaddis gave us exact directions that we followed, and we were successlful in getting our loan modified and saving our house. My wife was very emotional during the whole process, and she couldn’t be happier with the results from Michael Gaddis and his team. Thank You!

I want to thank you Michael Gaddis and his professional team for successfully resolving my financial situation.
Because of the changes to my employment situation I had to relocate, and needed to sell the house I purchased in 2005. The house was upside down, and I could not sell it because the prices since then have fallen due to a collapse of the housing market, and didn’t recover since then. I rented it out for a while, but rental income could not cover the expenses. The payments became unbearable.
I was in a dire situation, I didn’t know what to do, the house became a financial black hole. Based on my cash flow I saw that in less than 6 month I could not be able to afford basic expenses. That was when I contacted Michael.
Michael was very understanding to my situation. He analyzed it — for free! — and provided me with some numbers which made it very clear to me, that the only option in my situation is a short sale of the property. I agreed, and Michael’s team started working with banks to approve the short sale. I didn’t think it could have been possible, but Michael handled situation perfectly. I didn’t have to deal with harrasing phone calls; Michael’s team communicated with the banks, arranged the sale of the property, found a buyer, and reached a successful approaval of the short sale.
Today — thanks to Michael and his professional team — I am debt free, and no longer have a noose on my neck in a form of an upside-​down rental which was a cash black hole — with not a single cent from me.
I would like to highly recommend Michael Gaddis to anybody in need of a professional Real Estate Broker and Attorney with deap understanding of law, finance and real estate, who can lead a difficult finantial situation to a successfull resolution. My short sale situation was handled very professionally and I’m 100% satisfied.

I went to Michael for a free review of my mortgage. Because I have just changed jobs before I met him, a refinance was not an option, but he recommended another solution that saved me $ 20k +, all without any compensation. I am very grateful for his help and he is the only guy I recommend for mortgage refinance.

I was very skeptical about hiring an attorney to help us with our home modification. I was ready and willing to walk away and give up as I had tried to negotiate a modification with Bank of America repeatedly for over three years, every time being denied for various, random reasons that made no sense. My husband, stubborn as usual, refused to accept that we were going to lose our home. He did extensive research online looking for a reputable attorney to help us. After reading reviews and looking up information on the various consumer web sites and verifying license status he insisted on hiring Michael. I reluctantly agreed, certain that we were just throwing money down the toilet. Much to my surprise in just a few months we had our modification trial payment plan in place and after four months of making trial payments the final modification papers were prepared and filed. Amazing!!! Michael did not require any money up front. All the other so called «modification specialists» we had spoken to wanted large sums on cash up front and monthly payments until the process was completed. He only charged us after the papers had been filed, and his fee was much more reasonable than other places that had multiple complaints filed against them for being a scam. From my experience in dealing with Michael and his staff I can say that Michael is legit and honest.