ModDocs

ModDocs®

Easily generate modification extensions and loan assumptions, and loan default materials for existing commercial, multifamily, and investor-owned 1-4 unit loans documented by any platform.

Versatile Platform Compatibility

ModDocs’ flexibility enables lenders to modify loans documented on any platform, not just those initially created with GoDocs.

Customized Document Packages

Custom-tailored document packages for each transaction ensures that the documentation aligns precisely with the unique aspects of each loan and jurisdiction.

Real-Time Expert Support

Access to a team of expert in-house document specialists and real-time assistance helps address any issues or questions that may arise during the loan modification process.

Cost-Effective Alternative to Law Firms

Offers an excellent alternative to risky in-house forms, delivering professionally prepared documents at a fraction of the cost.

“We have very unique loans and GoDocs works with us to make any adjustments needed. Compared to the company we had before, GoDocs is very responsive and accessible."

Challenges in Commercial Loan Modifications

Commercial lenders often encounter several challenges when modifying commercial real estate (CRE) and commercial and industrial (C&I) loan documents.

Complexity of Documentation

Modifying loan agreements requires meticulous adjustments and a thorough understanding of legal and financial nuances to ensure all terms and conditions are accurately updated.

Rigid, Outdated Tools

Most loan documentation platforms are built for standard loan origination, not modifications. Existing systems lack flexibility, requiring manual workarounds that slow down the process and increase the risk of errors.

Time-Consuming & Costly Attorney Reliance

Traditional modifications often require outside counsel, leading to high legal fees and lengthy turnaround times. Even in-house legal teams face bottlenecks, delaying approvals and frustrating borrowers.

High Compliance Risk

Modifying CRE and C&I loan documents requires precision to ensure regulatory compliance. Legacy systems and manual updates make it easy to overlook critical legal language, exposing lenders to compliance violations and financial risk.

Lending Platform ModDocs®

By the Numbers

Since 2020, 35+ states have proposed or passed new commercial lending laws or disclosure requirements, which can necessitate document modifications or addenda. – Source: CSBS (Conference of State Bank Supervisors), 2024 State Reg Tracker

35 + states

Doc modifications made manually lead to error rates as high as 12%, especially when state-specific legal language or borrower-specific conditions are involved. – Source: Deloitte 2022 Commercial Lending Transformation Report

12 %

Between March 2024 and March 2025 there was an 86% increase in commercial real estate (CRE) loan modifications – CredIQ

87 %

Commercial loan modifications fees can range from $1,500 to $10,000, depending on the complexity of the transaction. - Brillant Law

$ 1500 to $10,000

Faster, Safer, More Confident Modifications

ModDocs® transforms the way commercial lenders handle loan modifications, delivering speed, accuracy, and compliance at scale. ModDocs ensures every modification is executed with precision, regardless of complexity or origination system.

Reduce deal timelines and increased lender responsiveness, leading to faster closings and fewer missed opportunities.

ModDocs® significantly accelerates the loan modification process by automating document generation, reducing turnaround time from weeks to potentially hours or days. ModDocs® handles modifications from any originator platform without requiring manual drafting or external legal teams.

Minimize legal and financial exposure due to incorrect or incomplete modification documents.

Automated data validation eliminates risks such as inaccurate rate changes, missed maturity extensions, or misaligned terms. Errors in modified docs can have severe legal and financial consequences, from borrower defaults to lien priority.

Eliminate the need for external legal reviews for state-level compliance.

Unlike legacy systems or general doc gen platforms, ModDocs® produces state-specific commercial loan modification documents. This built-in compliance ensures lenders meet the latest legal and regulatory requirements for the state in which the property is located.

Enhance lender protection, and the ability to handle complex modifications without needing litigation-savvy legal counsel.

Whether adjusting interest rates, extending maturity dates, changing collateral, or modifying borrowers, ModDocs® guides users through a smart decision tree that mirrors an attorney’s reasoning. It even includes logic for prepayment waivers, spousal signature requirements, and lien preservation strategies, details often missed by competitors.

Built for Speed, Compliance, and Confidence

ModDocs’ powerful features are designed to streamline loan modifications without sacrificing legal precision. ModDocs equips lenders with everything they need to modify with confidence, no matter the complexity.

Automated Loan Mod Generation

Quickly generate attorney-level commercial loan modification documents—no matter the origination platform.

50-State Compliance

Stay protected with state-specific templates that reflect the latest legal and regulatory standards.

Smart Decision Tree Guidance

Built-in intelligence guides you through complex scenarios, surfacing the right docs, waivers, and signatures—automatically.

Automated Data Validation

Minimize risk with real-time checks that catch errors before documents are finalized.

Discover The Fast, Reliable Way to Modify Loans with GoDocs ModDocs™

Transforming loan doc automation with GoDocs. Discover the difference in loan document automation excellence.