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Take the Confusion and Guesswork out of preparing your Loan Modification Application!
You’ll receive everything you need:
  • Easy to understand, step-by-step “How To” Handbook
  • Loan Mod Quick App© Software
  • All of the required forms
  • 30 Days Email Support
  • Updates, Tips & Newsletters
All This For Only $97.00!
my loan modification
You will receive all of these materials IMMEDIATELY - sent directly to you with a link to download The Complete Loan Modification Guide Kit!
NEW! How can you increase your chance of Loan Modification Approval?
Use the Loan Mod Quick App© Software!
Simply input your information and it AUTOMATICALLY calculates your:
  • Loan to Value
  • Debt Ratio
  • 31% to 38% Target Payment
  • Disposable Income
  • Assets
  • Imminent Risk of Default
  • Your NEW interest rate, loan term
    and potential principal forgiveness
my loan modification
Is SAVING your home worth spending less than $100 so you
can be armed and ready to work with your lender??
my loan modification

This easy-to-use Software helps fine-tune your family’s budget so that you have the best chance of success.
It couldn’t be easier-you can feel confident with your application knowing your calculations are accurate!

Success Stories - They did it So Can You!
Using the Complete Loan Modification Guide

I bought the kit and using the information and forms I was able to get both of my loans modified-my first loan is with Indymac and they reduced my rate to 3%, deferred $89,969 of my principal, and lowered my payment from $3375 to $1381-which is very affordable for me. My second loan is with Wells Fargo, and I sent in the same paperwork to them, with just a few adjustments, and they modified my loan to a 20 year-NO INTEREST-principal only payment of $430. I am so happy-I did it myself and saved my home! My total payments are now less than half of what I was paying. Don’t believe that you have to hire someone to get help-I did it and got my modifications within 2 months. -Gabe V.

My wife & I were so scared, our house had lost so much value-we didn’t know what to do. We bought The Complete Loan Modification Guide and decided to give it a try. It was not hard, we just followed the directions and we were able to get a modification on our first and second loan-but the really amazing thing is that our second lender-GMAC- FORGAVE $99,650 of our principal! You just have to know how to prepare your forms and be very persistent-we couldn’t be happier with the results. I highly recommend using The Complete Loan Modification Guide. -Mario & Patty M.

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Loan Modification Process

Trying to get a loan modification can be frustrating and confusing for distressed homeowners. If you are wondering if a loan modification might be a solution to help you avoid foreclosure and save your home, you need to learn about the loan modification process. To help you understand how the loan modification process works and what you can expect, here are the Top 10 Questions about Loan Modifications:

  1. What exactly is a loan modification? A loan modification is a permanent change in one or more terms of a home loan. The loan modification process allows the loan to be reinstated, and can include an interest rate reduction, a longer loan term, principal reduction or a combination of all three. A successful loan modification should offer the homeowner an affordable and sustainable monthly loan payment.
  2. Will I have to pay all of the late fees and penalties? Most lenders will either waive the late fees or allow you to include any outstanding amounts into the new loan. Always ask for a complete breakdown and description of all fees and penalties from your lender-some fees may not be justified and should be waived.
  3. Will my bank need to do a physical inspection of my home and view the inside? Yes, the lender may conduct a review if they deem it necessary during the loan modification process.
  4. How can I find out if I qualify for a loan modification? The #1 criteria your lender will look for to approve your loan modification if proof of your ability to afford the new loan payment now and in the future. You will need to provide your bank with properly completed financial statements and usually proof of your income, such as pay check stubs, bank statements, etc.
  5. Can I still ask for a loan modification even if I am not currently delinquent on my home loan? Yes, most lenders will now accept loan modification applications from homeowners who foresee a problem meeting their home loan payments due to interest rate resets or financial hardship. The Federal government is urging lenders to proactively reach out to homeowers who face potential default. The loan modification process allows homeowners to apply for a loan modification without being currently delinquent.
  6. What is an acceptable hardship situation? Each homeowner's situation is unique, generally lenders consider: divorce/separation, death of a spouse or borrower, illness/medical bills, military service, loss of job/income to be acceptable reasons to consider a loan modification. A well written, compelling hardship letter included in your loan modification application package is very important so your lender will understand your current circumstances and intentions.
  7. Does a loan modification stop foreclosure? Yes, that is the purpose of a loan modification. When you complete a loan workout solution with your bank, your loan is immediately brought current.
  8. What about my missed payments-can they be added back into my loan? Yes, generally your missed payments can be added to the new loan balance and then spread out over the term so you can then afford the new loan payment. Some lenders may require a "good faith" payment to start the loan modification process.
  9. Is there a fee to do a loan modification and can I do it myself? No, there are no fees involved in a loan modification when you work directly with your bank. There is no title, escrow or appraisal. You certainly can work directly with your lender during the loan modification process, as long as you have some upfront knowledge and do some preparation. Once you understand what your lender needs to see, you can prepare your application properly.
  10. So, how do I get started with the loan modification process? IMPORTANT! Before contacting your lender or a loan modification company, do your homework-learn as much as you can about the loan modification process so that you can make informed decisions. It is not rocket science, but you do need to have a general understanding of what it takes to get a loan modification application approved. Saving your home is worth all of your time and effort!

You can learn about the loan modification process in a low cost, easy to read ebook you can order and download right online. The Complete Loan Modification Guide is an easy to follow handbook that will take you step by step through the loan modification process. You are provided with everything you need to prepare a professional and acceptable loan modification application. The Complete Loan Modification Guide gives you all of the required loan modification forms along with detailed directions on how to complete them properly. You will learn how to calculate your debt ratio, get help with your hardship letter, learn about your legal rights and much more. Get the help you need so you can end the sleepless nights and stress filled days-order and download The Complete Loan Modification Guide today!

Loan Modification Guide

Millions of homeowners are in default and facing the very real possibility of losing their home. If you are one of these borrowers stuck in a bad loan, you need help now. A loan modification may be the solution you are looking for. But how can you learn about loan modifications without paying a fortune? A loan modification guide will show you what you need to know about your loan modification options. A loan modification is a free option that can provide an affordable monthly payment by changing the terms of your current home loan.

There are a lot of companies offering loan modification assistance for a fee. Unfortunately, many of these companies are brand new and have little experience in the loss mitigation field. If you are struggling to make your house payment, you probably don't have thousands of dollars to pay someone who may or may not be able to help you.

Another low cost option is to learn about loan modifications yourself by ordering a loan modification guide and work directly with your lender to find a loan workout solution. You may say, I don't know the first thing about loan modifications, well that is ok, because you can learn the basics and know as much as some of these companies that charge you a big fee to represent you. Even if you decide you feel more comfortable hiring someone, at least you will have the knowledge about the loan modification process to know what to expect and what questions to ask. Once you learn how the loan modification process works you will be able to better judge if you want to deal with your lender directly or hire a loan modification company.

Most lenders have a predetermined criteria or guideline they will use to qualify a borrower when reviewing a loan modification application. Not all borrowers will qualify for a loan modification. The loan modification guide will teach you about the lender guidelines and help you complete the forms properly. You must be able to show your lender that you can afford the new, lower payment now and in the future. The loan modification guide takes you step by step thru the loan modification application so you will be able to prepare a professional and acceptable loan modification application to your lender.

There is a lot of "free" information on the internet about loan modifications, but it is very difficult to piece it all together and be certain that you have all of the most accurate and complete information. A loan modification guide is the most convenient and cost effective way to get all of the unbiased loan modification information you need. A loan modification guide will help you whether you decide to do it yourself or retain a loan modification company. It is definitely money well spent and can save you many hours of frustration and thousands of wasted dollars.

You can order and download The Complete Loan Modification Guide right online and be on your way to home based financial security again. This is the most up to date, complete loan modification guide available. The Complete Loan Modification Guide provides you with everything you need to prepare a professional loan modification application. The low cost loan modification guide will take you step by step thru the loan modification process. You will learn how to calculate your debt ratio properly, help to write a hardship letter, get information about your legal rights and much more. Order and download The Complete Loan Modification Guide today.

Loan Modification Center

Are you behind on your payments or facing foreclosure? Unable to refinance or sell or home? The Loan Modification Center can help. If your are stuck in an unaffordable home loan, there are some new loan modification programs you should know about.

The Loan Modification Center has one goal-to help you keep your home!

The Loan Modification Center will show you:

  • Who qualifies for a loan modification
  • New loan modification programs you may apply for
  • How to complete the required forms properly
  • How to write an effective hardship letter
  • Negotiating tips to get the best loan modification
  • Your legal rights
  • Much more

Loan modification is the most cost effective and timely manner to help the millions of defaulting homeowners get back on track. The Federal Government is now strongly encouraging lenders to proactively reach out to distressed homeowners to offer affordable and sustainable loan payments to avert foreclosure.

You have questions-the Loan Modification Center has answers. You can end the sleepless nights and stressful days wondering how to save your home. Get started now to learn everything you can about loan modification programs. You might have been taken advantage of when you got your original loan-don't let that happen again. An informed homeowner is hard to take advantage of. Make sure that you take the time to educate yourself so you can take advantage of the billions of dollars in homeowner assistance programs now being offered.

The Loan Modification Centercan help you in your battle to save your home and obtain a new, affordable home loan payment. The most up to date information on loan modification programs, government programs, new legislation and market conditions are available at the Loan Modification Center. You can order and download The Complete Loan Modification Guide right online and learn everything you need to know about loan modification.

The Complete Loan Modification Guide is a low cost, easy to follow handbook that takes you step by step through the loan modification process. You can save hours of stress and frustration by following the directions included in The Complete Loan Modification Guide to complete a professional and acceptable loan modification application to your lender. Get started on the path to financial security again, order and download The Complete Loan Modification Guide today at the Loan Modification Center.

Loan Modification Forms

There are certain loan modification forms required by every lender before they can consider your loan modification application. How these forms are completed will determine in large part whether your loan modification application will be approved or denied. It is extremely important to learn everything you can about your lender's guidelines before you submit a loan modification application. All lenders ask for the same general information from their borrowers which they then review to determine if the homeowner will qualify for a loan modification. Here is a list of some of the loan modification forms required:

  • Submission Sheet: A brief form showing the borrowers names, property address, mailing address, lender loan # and request for loan modification
  • Borrower Information Statement: Provides your lender with all of your pertinent information in a concise format: name, birthdate, addresses, employment info, dependents, etc.
  • Hardship Letter: A compelling and bried description of your current financial hardship, what caused you to become delinquent, what steps have been taken to remedy the situation, and how you plan to keep the payments current in the future if granted the loan modification
  • Current Financial Statement: A detailed breakdown of your current financial picture: wages, any other sources of income, all of your monthly bills and expenses, current house payment-statement may show a negative (more going out than coming in)
  • Proposed Financial Statement: Same as above, except the new, lower house payment is used to demonstrate your financial ability to make and maintain the payments

These loan modification forms are part of your loan modification application package that is submitted to your lender. How you complete these forms will determine if your loan modification is approved-even the most deserving homeowner can be denied if their situation is not presented properly to the lender. It is extremely important to take your time to learn about how to complete the loan modification forms before sending anything into your lender for review.

You can learn everything you need to know about completing the loan modification forms in The Complete Loan Modification Guide. This is a low cost, easy to ready handbook that you can order and download right online. The Complete Loan Modification Guide will take you step by step through the loan modification forms, showing you how to complete them properly. You are provided with everything you need to prepare a professional and acceptable loan modification application your lender will review quickly. Order and download The Complete Loan Modification Guide today and get started on the path to home based financial security again.

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