Since 2009, Golden State Financial Services has assisted thousands of California homeowners. Due to rising home values, obtaining home loan modifications are more difficult than ever. In addition to this, there are still many homeowners still unable to refinance their loans due to their LTV (how much they owed on their house versus its value) being 100 percent or higher. There are also still many homeowners in "ticking time bomb" interest only loans. The first program that Golden State Financial Services evaluates for its clients is HAMP (Home Affordable Modification Program), a premier product available for a homeowner. With the help of Golden State Financial Group, over 6,500 homeowners from California have obtained approvals from their lenders for refinancing, loan modification, and reverse mortgage. For those with problems in refinancing their homes, the company offers a free consultation that will guide clients toward the next steps.