• Who is your mortgage servicer?
  • What is your current loan type? (Jumbo, fha, conventional, va, usda)
  • How many mortgages do you have?
  • How much is your monthly payments?
  • Are you having a difficult time budgeting your monthly expenses?
  • Are you currently facing increased in housing expenses, obsessive obligations, repairs, maintenance, medical, and even tenant problems?


Credit Counseling and

Budgeting Services


All business services come from the direct consultation to client’s that have minor or substantial financial issues. Our team properly advises and works with our clients to effectively negotiate an affordable solution. We also offer advice to clients regarding how to properly maintain their financial position.

My family and I are forever grateful to James Allen and his team at jrm Associates Inc. I could go on forever how fantastic they are, but I will keep this as concise as possible. When I received a letter from jrm associates that they could help me get out of my impeding foreclosure, I had already paid an attorney $3,000 to help us and was mentally exhausted by the entire process, but my gut told me to call them. I won’t get into why we were in foreclosure because what is important is we will be out of it by July. The Attorney did nothing but push paperwork to me to complete month after month (proof of income, bank statement, profit and loss, etc.) and hold off the foreclosure date which in the end, didn’t work. It was clear they were working for the bank and not us. My mortgage company sold our loan to another which complicated the situation even more. When we called jrm Associates, James spoke with us on the phone and was literally at our house within 24 hours to help us sort through all the paperwork and discuss our options – in person! This was unbelievably important because of the experience I had with the Attorney and bank. There’s nothing like meeting face-to-face. He got to see our home, meet our family and better understand our situation. He sat and listened and went through the massive amount of paperwork between us and the the mortgage company, the attorneys, etc. I really felt the love (not to be corny), but I felt that he cared and was going to help us get out of this situation. He was a straight shooter and extremely knowledgeable about the foreclosure process and laws too – not a sales person. One of the best things about them is they handle all of the paperwork. You don’t have to complete monthly profit and loss statements on your own, you don’t have to make a zillion copies of months of bank statements, etc. You have very little to do – they do it all and they keep in constant contact with you the entire time. James answers the phone anytime you call and boy did we call because we couldn’t believe the process was so smooth – we thought it could be a scam. I’m making my last modification payment this month and will have this terrible situation behind me soon and I owe it all to James and his team at jrm associates. If you are going through a similar situation, CALL THEM! They are professional, honest, caring, knowledgeable and most of all they are for the people

The Burke Family

I want to thank James Allen and his team for helping me and my family with our mortgage payments. To be honest I was a little skeptical at first. It’s hard to whole-heartedly give someone, that you hardly know, your hard earned money and know how your outcome will turn out. James Allen was a man of his word and everything that he said he was going to do, he did with precision. I was very pleased with the outcome. Would use and recommend James Allen to anyone. Pleasure doing business with you!

A. Soto

I was contacted by JRM & Associates, specifically James. I previously applied on my own with my lender and was denied all 3 times. I even paid over $3500 in retainer fees at a law firm and hired 2 more companies who didn’t do anything for me. When James called and we discussed my financial position, he immediately told me there were options. James assisted me with everything, he just made it easy for me. I was approved, saved over $600/month, and received a permanent loan modification with an principle reduction incentive over the next 3 years! They kept me informed the entire time and communicated on a weekly, sometimes even daily, basis. I HAVE AND WILL CONTINUE TO REFER JRM & ASSOCIATES INC. THANK YOU AND GOD BLESS!

Marissa L.

My husband’s colleague introduced us to JRM & Associates to pursue a modification for our properties. At first, I was a bit hesitant, but after meeting with James I felt confident it was the right thing to do. James was very thorough and kept me informed of each step of the process. The banks will try to frustrate you, but don’t allow them to. James secured two successful modifications and one is pending. I have no doubt it will be another success. Thanks JRM & Associates!

B. Lawrence