LOAN MODIFICATION

Free Loan Modification Assistance

We are volunteering in our communities to help with Loan Modification.

Call 888-399-4844

LOAN MODIFICATION is a hot topic these days. Easy? NO! Confusing & Frustrating? YES!.
Many of our clients have been trying to modify their mortgage loan with their banks without success.  The Forbearance agreements they have been offered that I have seen are nothing more than kicking the can down the road and a set up for future failure. We understand that our clients number one option may be a Loan Modification so they can keep their homes so we have partnered up with Loan Modification Central INC to help homeowners understand and obtain a affordable loan modification that makes sense.

Please take a minute to review what our loan modification guide has to offer you and how it can guide you though the important necessary steps for a successful Loan Modification. We will also share some common mistakes that many home owners fall into leading to unnecessary expenses that can not be recovered.
Regardless of what anyone tells you whether it be your bank, neighbor, loan modification Attorney or best friend there is absolutely no guarantees that your loan modification will be a success but with this kit your chances will be much higher without large Attorneys fees. Honestly no one can can do a better job than yourself when you are equipped with the tools and understanding this guide provides.

Loan Modification Mistakes That May Cost You

Mortgage Forbearance
Mortgage Forbearance or loan Forbearance is a temporary fix and an attempt by your lender to jump start you back on tract for making your mortgage payments! There is a temporary payment reduction and no debit forgiveness, all delinquent debits fees and penalties are ether added to the loan with a higher payment after a short term of lower payments (usually 3 months) or added to the loan with a balloon payment due after a term or as your last payment. As this may be just what you need if your financial hardship is temporary, but if your financial hardship is more long term it may just not make sense at all. Many of our clients have been fooled by the banks collection department to believe the Forbearance payment reduction is permanent. This is not the case and it is important not to get a Forbearance agreement and a Loan Modification mixed up, they are two very different animals and a Forbearance alone will not stop the foreclosure process.

Don’t Believe Everything your banks Representatives tell You
We hear this all the time and the DVD will explain. When you call your bank concerning your loan workout they will re-direct you to the collection department (the same department that sends you those threatening foreclosure letters). The Collection Department will tell you anything true or false to get you to make payments of any amount. They will make false promises that your loan modification is being processed and they need this payment in the meantime. Please don’t fall for their lies, you can save that money for a earnest money deposit at the negotiating table when they are serious about approving your loan modification.

Be Well Prepared And Organized
With the growing number of loan modification requests the loss mitigation departments are overwhelmed and unable to handle the volumes. The best advice we can give is to stick out from the crowed by being well prepared and organized. When the bank reviews your package they will have exactly what they need to get you passed the first revision table. Most loan modification requests don’t even make it passed this crucial step because of the fact that the package is incomplete or unorganized. This guide will help you package your request the way they like to see it giving you an advantage and a better chance for success.

The kit above includes the following:

• Instructional Loan Modification DVD
• Loan Modification Hand Book
• Interactive CD-rom (containing all forms needed for filing)
• Pre-Printed Loan Modification Forms

The Instructional Loan Modification DVD explains the loan modification process and the importance of being organized and complete when submitting your loan mod request package. It will show you what you need to submit and how to correctly file and label your documents so you stand out from the crowd. The DVD also arms you with insider tips and negotiating tools plus explains who to talk to in what department and why. You will learn what to say, what not to say, and if you don’t think you are getting the attention you deserve how to get it using your legal rights and their legal obligations to reply.

The Loan Modification Handbook takes you from the beginning to the end with simple step-by-step directions to prepare a professional loan modification proposal for your lender and teaches you all about the loan modification process. You will discover if you qualify for a loan modification and why, different loan workout options, your legal rights, lender guidelines, and much more.

The Interactive Loan Modification CD-rom contains all the necessary forms and letter templates, needed for professional results. The CD-rom is compatible with Microsoft Excel or Adobe Reader for easy edit, print, package and send.

Basically the Complete Loan Modification Guide was created for homeowners that are facing a financial hardship, stuck with an unaffordable home loan and don’t want to pay any up front Attorney fees without any guarantee. This kit has everything you need to successfully submit your own loan modification proposal yourself without the upfront fees of a Loan modification Attorney.

How much is the kit you ask?

Free for a limited time as they are not free to me.

Please give me a call and I would be happy to help you get started.

Brett Dalbeth
Newman Realty
714-642-1616