best clickbank store: 60-Minute Loan Modification

CAN LOAN
MODIFICATION SAVE
YOUR HOME?

“Discover How a Near-Broke California Man Saved all
5 of His Homes From Foreclosure Shaving a Whopping
$493K off his Total Mortgage Expenses Using a Dead
Simple Do-it-Yourself Loan Modification System.”

PROVEN LOAN MODIFICATION SYSTEM: Go direct to your lender to save time and money… NO lawyers, NO closing costs, and NO dirty loan mod firms.

My paint-by-numbers system gives you all the tools you need to bang out a killer loan modification application in just 60 minutes, then follow-up and negotiate with your lender to get the best possible deal…

… I’ve done this 5 times on my own properties and dozens of times for clients. PLUS, I’m the only guy that offers a 100% unconditional guarantee for your success!

Date: January 11, 2010

Dear Homeowner,

Let me guess… your home’s value is dropping by the day and your monthly mortgage payment is downright ridiculous in this economy—am I right?

You know that foreclosure is a terrible option, but you also know you’ve got to do something or you’ll spend the next 30 years broke and struggling, throwing most of your hard-earned money into a bottomless pit because, quite frankly, your mortgage terms stink!

NOTE: All loan types are currently being approved for modifications including…

Negative Amortization Loans
Adjustable Rate Mortgages (ARMS)
Fixed Rate Loans
1^st, 2^nd and even 3^rd mortgages
Investment, vacation, and rental properties

I’m talking about saving your home here!

My name is Mike Rockwood, and in 2008, I nearly lost all 5 of my homes to foreclosure. The bad economy combined with my bad loans made it impossible for me to keep making my payments each month.

I’m sure you know the feeling…

When the 1^st of the month came around, I literally felt sick with anxiety. My homes are my one and only foothold on the American Dream—and I thought I was going to lose everything just because the real estate market went sour.

Here’s Why I’m Telling You All This…

Just before I defaulted on my loans, by chance, I was invited to mortgage modification weekend workshop where I learned there was still hope—a lot of hope actually!

My wake-up call: I’d heard the term “mortgage modification” before, but I always assumed it was expensive, complicated, and difficult (like everything else that has to do with real estate).

Boy, was I wrong!

Here’s the truth: loan modifications are the fastest, cheapest, and easiest way to fix you mortgage problems—and nearly everyone qualifies! Let me be clear here… this is NOT a refinance, this is NOT a short sale, foreclosure, or bankruptcy.

Take a Look My Personal Loan Mod Successes
(on my own homes)…

	My Indy Mac Loan Modification: Before: 6.5% fixed (not bad… but not good enough) After: 5.125% fixed Monthly Savings: $638 (and $199K over life of loan) *primary residence
	My Wells Fargo Loan Modification: Before: 6.5% fixed After: 4.5% fixed Monthly Savings: $262 *2nd mortgage
	My Litton Loan Services Loan Modification: Before: 7.35% fixed After: 7% fixed Monthly Savings: $140 ($27K over life of loan) *Rental property
	My 2nd Litton Loan Modification: Before: 12.5% fixed After: 7.0% fixed Monthly Savings: $95 ($12K total over life of loan) Rental property PLUS I reduced my principal by 20%
	My National City Modification Before: 9.343% fixed After: 1.0% fixed for 18 months Monthly Savings: $782 (49% reduction!) 2nd mortgage on primary residence saving nearly $10K/year **30-year mod in progress now

“Loan Modification Does Not Have
to Ruin Your Credit!”

You don’t need a lawyer and you don’t need $1000’s of dollars… all you need is to get your story straight and submit a well-organized application to your lender requesting a reduction in payment.

Here’s where I come in: you need your application done right the first time, otherwise you risk rejection and you might even lose your home—so don’t even think about doing this without the proper tools and support!

I’ve done this for myself 6 times now, and hundreds of times for my clients, so I know with certainly that I can help you make your loan modification application perfect—and get the absolute best possible deal.

Why trust me? In the process of saving my own homes, I became a leading authority on mortgage modification. Perhaps you’ve heard me on the radio or read articles about me in the newspaper.

Here’s what makes the 60-Minute Loan Modification so unique and why it’s created such a buzz:

It’s Fast - My last loan modification application took just 25 minutes (avg. is 60 minutes) and I secured a 1% fixed rate for 18 months.
It’s Cheap – Loan modification firms (often illegally) are charging $3,500-5,500 for filling out some forms and calling your lender… ridiculous! My system is more effective and keeps that cash where it belongs—in your pocket!

Plus, you’re results are 100% guaranteed so there’s no risk to you at all.
I’m a Real Person – Most people in the mortgage modification business are vultures preying on other people’s misfortunes. In many cases, the same mortgage brokers who sold us these crappy loans in the first place are now trying to overcharge you and me for “loan modification services.” What a sham!

I speak with all my clients personally both in one-on-one calls as well as 2x/week on our teleconferences. I’m a real guy with real mortgage problems just like you—but I found a way out!

When you work with me, there is no giant corporate structure, no hiding behind company logos or disclaimers… we offer full disclosure to our clients and are here to support you every step of the way

Can Banks Really Just Give Away Money?

It’s hard to believe but it’s true… I’ll save $493K over the life of my loans simply because I lowered my rates. Here’s just a couple places where the money is coming from:

Dec 26, 2008: Hope Now (a lender alliance) announces its plans to double the number of loan modifications granted in 2009 and save 2.2 million homes from foreclosure with as much as $300 billion in government subsidies
Oct 31, 2008: Chase announces plans to modify $110 billion in home loans
Oct 6, 2008: Bank of America (who took over Countrywide) announced it’ll dish out $8.4 billion in interest rate and principal reduction for homeowners

And those are just a few BIG examples… loan modifications are being approved right now by every single mortgage lender nationwide… so the questions is, do you want to participate or not?

Here’s the way I see it: Wall Street already got their bailout (to the tune of $2 trillion!), and loan modifications are now bailing out average people like you and me on Main Street - but it’s not going to last forever!

Why You MUST Do Your Loan
Modification Yourself

Most Lawyers and Loan Modification
Firms are a Scam

Don’t be fooled! Before I decided to do my loan modification myself, I almost hired a so-called “loan mod consultant…” but thank goodness, I learned the truth first!

Here are the scary facts of loan mod firms:

Many loan modification firms were started by subprime mortgage brokers who were out of work.

These hucksters know very well that they’ve only got 6-12 months before banks stop accepting loan modification requests, so their goal is to get as many customers (and as much money) as they can right now.

They’ll often charge a ridiculous $3,500-4,500, and once they’ve got your money, their focus is on getting more customers, not servicing their existing ones.
On the rare occasion when a loan modification firm is successful, they almost always accept the first offer the bank suggests—this is crazy! The bank’s first offer is almost never their best offer, so even if you do get your loan modified, you could still be getting screwed long-term.
Loan modification firms use cookie-cutter template letters and legal speak that sends up red flags at many banks. Remember, your lender is under tremendous pressure from the government and the media to help individuals like you, not fast-talking lawyers or consultants.
In California, there are currently only 14 certified loan modification consultants yet over 1,000 companies offering loan modification services-do the math. Most firms are operating illegally in California, and the same is true in every other state as well.

Not Sure If You Qualify?

Crazy but true: more people qualify than don’t for loan modifications. As long as you can demonstrate some real financial hardship and a real risk of defaulting on your loan, there’s an excellent chance you can knock 5 or even 6 figures off your total mortgage expense and whack a huge chunk off your monthly payment-simply by asking the right questions!

Basic Loan Modification Qualifications:

Must have a real hardship
(loss of income, death in family, etc)
Must have a debt-to-income ratio of 31-50%
(but as high as 79% are still approved)
Must have a loan that is at least 9-12 months old
Must have an income source that can reliably & realistically allow you to make modified payments (if you’re unemployed, you’re in trouble)

So why isn’t everyone doing this?

They are! Your bank gets hundreds of loan modification applications every single day. Normally this would be a problem, but since most requests come from idiot lawyers and other hacks trying to cash in others’ hardships, it’s incredibly easy as a homeowner applying on their own (with my insider strategies) to stand out and get your loan modification approved quickly…

… you just need to understand the process!

With 6 successful modifications under belt (including loans that I was told were impossible to modify), I know exactly how this works. I even know a simple trick that makes it illegal (yes, that’s right, illegal) for your lender to ignore your application.

How the 60-Minute Loan Modification
System Works

STEP 1: Order my 60-Minute Loan Modification Workbook below (at $87, this is the greatest bargain you’ll find anywhere)

STEP 2: Take advantage of unlimited email support if you have any questions during the process. It usually takes about 60 minutes to complete your application and then put it in the mail!

STEP 3: Adhere to the “follow-up” plan clearly illustrated in the handbook to make sure your lender gives you a timely response to your requests.

STEP 4: Wait for your lender to call with an offer!

Save Your Home Today!

Most struggling homeowners go through a huge denial—I know I did! This is so embarrassing… I actually felt guilty for asking my bank to modify my loan.

How crazy is that?

I figured I messed up so I was to blame. Now, I know how ridiculous that is. Firstly, my bank is just as much to blame as me, and secondly, it just plain doesn’t matter!

This housing crisis is affecting everyone, so modifying an upside down, crazy mortgage is not just reasonable—it’s actually the responsible thing to do.

Doing nothing, missing payments, and pulling your hair out trying to make ends meet is downright reckless by anyone’s standards!

So here’s the scoop:

A year ago, most people had never even heard of loan modifications, and now they’re featured on the news almost every night! Thanks to our tax dollars subsidizing the big banks, you and I (average people) have a chance to get bailed out too—but it won’t last forever!


“How Much Will You Save with a Modified Mortgage… $300, $500, $800 per month?”
My 60-Minute Loan Modification Workbook (Instant Access PDF download) If you’re like me, the last thing you want to do is read some textbook, so I’ve organized my guide so that you can fly through it, reading only the sections that pertain to your particular situation. This way, you can crank out a killer application in the shortest possible time with all the facts you need on reference should the need arise. You’ll Learn: How to get your entire loan modification application *done in 60 minutes* How I negotiated a *3-month grace period* where I didn’t have to pay anything with no penalties and all missed payments forgiven (pg. 23) How to write a *bullet-proof hardship letter* in 10 minutes flat (pg. 73) *Automated follow-up secretsso you don’t have to waste hours on the phone waiting for your lender to respond. A powerful handwritten letter trick* that gets me callbacks 75% of the time while most people get only a 10% response (pg. 57) *Negotiating tips* for people who HATE negotiating… learn exactly what to say when your lender calls with an offer (pg. 35) How I *modified 4 rental properties* (pg. 45) The 60-Minute Loan Modification Workbook Normal Price: $179.95 January Special! Only $87.95 (all files are digital products for instant download) My Iron-Glad, 60-Day…100% GUARANTEE If for any reason (or absolutely no reason at all) you’re unhappy with the 60-Minute Loan Modification, I absolutely insist that you send it back at any time within 60 days for a 100% hassle-free refund that will be processed immediately with no catch and no fine print. But Wait… There’s More! - Amazing FREE Bonus 1 - My Personal Swipe File of Forms & Spreadsheets Get instant access to my own personal, pre-programmed Excel spreadsheets, fax forms, hardship letter forms, and templates. Includes a quick start video tutorial to show you EXACTLY how to use each tool to put together an stellar loan modification application in minutes. You’ll Get: Quick-start video leads you step-by-step showing you EXACTLY how to complete each form perfectly—and FAST! *Fastest possible application process* so you can get this done and knock your payment down quickly without hassle Contact info for *every major U.S. lender* Microsoft Word, Excel, and .txt files for hardship letters, expense sheets, and application forms *PC & Mac* compatible ZERO computer skills required (I’m a totally computer dunce… so don’t worry!) *Bonus AUDIO version* of the my workbook included so you can listen in your car or on your iPod - Amazing FREE Bonus 2 - 60-Day Email Coaching (Retail: $187 Yours FREE!) My email coaching program allows you to contact me and my team directly to get advice on anything and everything that might come up during your loan modification process. My goal is to make your loan modification as easy and effective as possible, so my team and I bend over backwards to help you as needed. Note: average response time to emails is 6-12 hours. - Amazing FREE Bonus 3 - Real Lender-Homeowner Negotiation Recordings (Downloadable MP3 audio file) The is one of my most-sought tools because it allows you to listen in on real conversations with lenders and borrowers so you can hear exactly what you should and should not say to ensure you end up with a sweet deal. Remember, the first offer your bank makes is never the best offer, so this disk alone can save you thousands. Includes: *Real phone conversations* with lenders, and borrows including Wells Fargo, IndyMac, Litton, and more! “Model” calls for fast responses *Simple Tricks* to beat the bank Bonus audio book version of my 60-Minute Loan Modification - Amazing FREE Bonus 4 - Credit Card Cure: “How to Modify Your Credit Card Debts!”(PDF download - Value $24.95 Yours FREE!) My business partner, Ryan, decided to renegotiate his credit debt. It seemed like an absurd idea, but when he knocked his balanced from $25,000 to just $5,000 in just 4 months—it got my attention! Now, we’ve had HUGE success teaching others how to do the same. You’ll Learn: How to legally & ethically *make credit card debt disappear* Word-for-word *what to tell the credit card companies* Why *bankruptcy* is the last option (and usually avoidable) Why your credit score can easily be repaired Why you should run (not walk) from debt counselors The 60-Minute Loan Modification Workbook Normal Price: $179.95 January Special! Only $87.95 (all files are digital products for instant download)

Why Listen to Me?

Aside from being a homeowner, I’ve been a real estate professional and distressed property consultant in Southern California for the past 4 years dealing primarily with short sales and pre-foreclosures until 2008 when loan modifications changed all the rules and became THE SWEATEST deal for anyone (like me) who got in over their head before the marked tanked.

I’m a homeowner, a real estate agent, a short sale expert, and now one of the leading authorities on do-it-yourself loan modification with a track record and client list that grows daily. Most importantly, I’m a hardworking honest guy who figured out a fast and cheap way to fix my screwed up mortgages—and I can show you how to do the same.

Do Not Hesitate—Modify Today!

The government subsidies will dry up. The real estate market will rebound, and within 6-12 months, loan modifications will be ancient history… so act fast, my friend!

In these tough economic times, there are just two types of people:

First, there are those that take action, seize opportunity, and strategically position themselves for future success even when today, things might look a bit grim. The second type are those that complain, play the blame game, and cry “victim” every time they hit a speed bump.

I’ll admit, I used to be in the second group, the whiners, but since I’ve wised up, 2009 is now slated to be one of my best years ever.

Follow my system. Modify your loan. Slash your monthly payments and “fix” your screwed up mortgage… start right now by ordering my 60-Minute Loan Modification Workbook.

To your success,

Mike Rockwood
Loan Modification Expert Author

p.s. My only regret is that I spent about 6 months getting ready to modify my first loan… trying to figure out if it was the best solution… trying to figure out how to do it.

I was stupid. My hesitation cost me upwards of $10,000 in payments I could have avoided simply by modifying sooner. Learn from my mistakes, leverage my turn-key resources, and take action now.

p.p.s. Btw, this is 100% RISK FREE because of my iron-glad, 60-day, 100% guarantee. I risk everything, you risk nothing. I’m absolutely certain I can help you, but you’ve got to take the first step. See you on the inside!

My Iron-Glad, 60-Day…100% GUARANTEE
If for any reason (or absolutely no reason at all) you’re unhappy with the 60-Minute Loan Modification, I absolutely insist that you send it back at any time within 60 days for a 100% hassle-free refund that will be processed immediately with no catch and no fine print.

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