UPDATED: Specific recommendations to take advantage of Barack Obama's $75 Billion Loan Modification Plan, The Homeowner Affordability and Stability Plan(HAMP Program)
WARNING: Do not pay a Loan Modification Company $1500-$3000 to simply fill out the forms included in this kit.
“GOOD NEWS for homeowners facing foreclosure: AT LAST! a complete Loan Modification Kit which provides insider tips and easy instructions on how to stop the foreclosure process and SAVE YOUR FAMILY’S HOME. ” Guaranteed or you PAY NOTHING.
Loan Modification Success Process
If you are struggling with high mortgage payments like so many of us you may be looking to get a loan modification. Following these 5 steps you can increase your chances of getting your loan modification approved and lowering your monthly payments.
1st Step - Research & Know Your Numbers
The first step to get approved for a loan modification is to do a bit of research. You need to make sure that you follow the guidelines and criteria to make sure you are given the loan. There are specific calculations your lender will do to determine if you qualify and it is critical that you know how to present your numbers. Spreadsheets(included in the kit) are available to guide you through this calculation ahead of time. You need to minimize the risk of your loan modification being delayed or denied by not having the proper documents prepared. Lenders are very busy and they love to see well prepared loan modifications with all the required information.
2nd Step - Your Hardship Letter is the most important thing! - But you cant overlook any single document
The second step to get approved for a loan modification is to convince your lender to give you the loan modification by showing how you have suffered or will suffer a financial hardship that needs a loan adjustment to be resolved. This is why you must provide a Hardship letter to let the lender know your circumstances without this a loan modification will not be accepted. This document is the most important part of the loan modification process, the kit provides exceptionally well written hardship letters that have been proven to have had success.
3rd Step - Speak to the right person the first timeThe Final Step to get approved for a loan modification is to be patient and persistent. Use proper forms of communication and learn how to cut through the line and speak directly to the person that can help you. The complete loan modification kit includes tips on how to avoid the debt collection group and speak to the loan modification experts.I
The Complete Loan Modification Kit will guide you through the entire process and provide Hardship Letter Templates, Complete EBook, Financial Calculations Spreadsheet and much more.
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Success Story #1 "I just had to call and say thanks, with the help of your Complete Loan Modification Kit I have been able to get a loan modification on my mortgage with Countrywide. Without the easy to follow steps I would have been lost, this kit was a complete life saver and I owe you huge.Thanks again."
Steve Mire, Detroit, Michigan |
Only $39.95
Obama's Loan Modification Plan - Homeowner Affordability and Stability Plan (HAMP)
The $75 billion Homeowner Affordability and Stability Plan was passed into law by President Barack Obama. Here is what you must know!
Determine if you are Eligible for your share of the $75 billion Bailout?
1. Do you live in the home?
2. Is your current loan amount within ($625,500 in high cost areas and for other areas $417,000)
3. Are your current house payments more than 31% of your gross income?(The Complete Loan modification kit will automatically calculate all financial ratios your lender may want to see)
4. You must be able to show you have current income?
If you answered yes to these questions there is a good chance you will qualify for a loan modification under the terms in the Homeowner Affordability and Stability Plan.
Apply for a Loan Modification (Order and Instantly Download the Complete Loan Modification Kit)
You must act quickly; millions of American's will be trying to get a piece of the bailout! The sooner you act the better your chances are of receiving a loan modification. However, it is important to ensure that you have all your documentation in order so that when you do reach your lender they will be able to process your request quickly.
So in step 2 first prepare all documentation required by your lender then contact them. The Complete Loan Modification Kit has all document templates, forms and checklists your lender may request. With the Homeowner Affordability and Stability Plan if your loan qualifies there is a good chance that the lender will contact you. Be certain that the person claiming to be your lender truly is! But there is no guarantee your lender will contact you, therefore it is in your best interest to be proactive and contact them.
INSIDER TIP #1
It is important to understand that with Obama's Homeowner Affordability and Stability Plan lenders have a financial incentive, and they love money, to process as many loan modifications as possible. Therefore it is essential that if you want your lender to consider your case a high priority for them, you need to make it easy for them to process your application fast. Nothing will get your case dropped to the bottom of the pile faster than taking up an hr of your lenders time with questions you can learn easily if you read the included Loan Modification Manual. The Complete Loan Modification Kit Course Manual provides a clear overview of the loan modification process.
INSIDER TIP #2
One of the largest differences in the loan modification process that the Homeowner Affordability and Stability Plan will have is the fact that to receive a loan modification you do not need to be behind on your mortgage payment. Now if your ARM has been reset to a high rate and you answered yes to the questions in step 1 you can likely get your rate reduced to 4.5% fixed.
INSIDER TIP #3
Follow Up! It is especially important now, with so many loan modifications being started that you stay in contact with your lender and ensure your case is being handled effectively.
MORE INSIDER TIPS IN THE KIT!
Enjoy the Benefits of Saving Your Family's Home
Thanks to the Homeowner Affordability and Stability Plan there has never been a better time to pursue a loan modification. But with this opportunity there is also the downside that your lender will not have the time or patience to walk you through the process, to get approved quickly for a loan modification you will need to prepare all documentation before you begin the process of speaking with your lender.
To prepare these critical documents you can use the Complete Loan Modification Kit which provides you with all the forms, document templates and an extensive how-to guide.
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Success Story #2 "This guide to loan modification is easy to read and guides you through the whole process one step at a time. Everything you need to know to save your home from foreclosure is her. If you're in mortage difficulties and you're tired of confusing jargon, this book is for you"
Sergei Beloi, Minneapolis, Minnesota |
Only $39.95
The Complete Loan Modification Kit Includes:
Complete updated Loan Modification Course Manual which shows you how to get a Loan Modification and...
Lower your interest rate and payment!
Reduce your principal balance!
Convert an adjustable rate to a fixed rate!
Receive lender forgiveness of missed payments!
Remove all late fees and charges!
STOP THE FORECLOSURE PROCESS!
Or have your lender agree to any combination of these!
Complete Loan Modification Kit Testimonial
"I have always been skeptical of anything on the internet, especially e-books, but This one turned out to be one of the best decisions I ever made. I never thought I would ever have to worry about losing my home to foreclosure, you hear about it all the time, but never think it will happen to you. Then my husband and I both unexpectedly lost our jobs and in today's struggling marketplace we couldn’t find new ones soon enough. We were having problems paying all our bills and things just kept adding up. Before we knew it, we were on the verge of losing our home. Your book gave me the confidence and assurance I needed to fight to save my home. The knowledge and advice in the book is priceless and armed me with the tools and Plans that enabled me to keep my house and sanity! The book was so easy to follow and I believe it truly saved me and my husband’s future. I have already told all my friends and family about this book and how lucky we were to have found it.”
Listen to what Misty left on ForeclosureMedic.com's answering machine after we asked her about reading the book:
"How much did a Loan Modification help me? My monthly payment went down by $400 and my variable rate of 8.25% dropped to 6.25%. Now I am living stress free in my home."
Tom Banks, Detroit, Michigan
"I worked hard for 3 months modifying the loan. Through persistence and following straightforward steps I was able to lower my monthly payments and I did not have to pay any late fees or charges. The best reward is how proud I am that I can provide the security of a home we own to my family."
James Bishop., Apple Valley, California
"After trying to modify my loan with the help of a “Loan Mod Company” and being denied I didn’t think I had anything to gain by trying on my own. But by being able to communicate more frequently I was able to ensure my application was not forgotten. Using the same strategies and personal communication I was able to drop my rate to 6% and add all my late payments on to my mortgage total."
Stephanie Tauter, Boulder City, Nevada
Plus – To assist you in the Loan Modification Process 5 Free Gifts are Included:
Free Gift 1: Document Checklist
There are many forms required for a loan modification. This document checklist allows you to be certain all required forms are included when you submit your paperwork. 1 page missing from your submission could delay your application for weeks.
Free Gift 2: Hardship Letter Templates (3 different ones)
The hardship letter is the most critical piece of paperwork you will submit. It is the initial hurdle for the process and where most people’s application will fail. However, following the instruction and templates provided you can be certain you will be submitting the most effective hardship letter you can. The hardship letter templates can be edited with any word processor, such as MS Word. 3 Free hardship letter templates are provided so that you can choose which fits your specific situation and adjust the letter accordingly.
Free Gift 3: Loan Modification Contact Log
Over the course of the loan modification process you will communicate with many different people. If you do not accurately keep track of communication it could be a costly mistake. This contact log allows you to easily write down details of all communication you have with lenders.
Free Gift 4: Loan Modification Fax Cover Sheet
During the loan modification process you will be required to fax in forms. It is important to appear responsible and professional; a relevant fax cover sheet can help you in this process.
Free Gift 5: Borrowers Financial Statement Template
This template, using Microsoft Excel, will walk you through the steps required to build professional financial statements. It will also automatically calculate your Net Worth and other important financial indicators lenders need to see and accountants would charge hundreds of dollars to calculate. You won’t need to do any calculations yourself.
Only $39.95
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The 100% No-Risk-To-You Guarantee If the 3 step kit does not help you keep your home we will refund you 100%, no questions!
In fact, we invite you to use this kit and put all the risk entirely on me. If at any time for any reason in the next 90 days you feel that it falls short in delivering everything that has been promised, just let us know and we will be happy to give you a full refund, no questions asked.
"I am taking all the risk away, the product is yours to keep!" |
What are the 8 most common mistakes?
and
How the Complete Loan Modification Kit will ensure you don't make them!
Mistake 1:
Applying with your lender prior to knowing the way the entire system works and being unaware of lenders requirements in order to approve your application.
Complete Loan Modification Kit Solution 1:
Thoroughly researched and written, easy to understand, Loan Modification Course Manual
Mistake 2:
Paying huge sums of money as upfront charges to a loan modification company before establishing its credentials and loss mitigation expertise. Many home loan owners have surrendered thousands of dollars without positive returns, instead of starting with their own do it yourself loan modification application process.
Complete Loan Modification Kit Solution 2:
Only $39.95 Thousands of dollars less than Loan Modification companies that simply fill out the same forms. Plus a 90 day 100% Guarantee!
Mistake 3:
Time is of essence. Do not end up wasting it by speaking to employees who under the pretext of assisting you end up extracting last dimes from your pockets. They actually belong to collections department and will probably never help you in providing an actual loan workout. You need to know the right contact person in order to derive the desired results.
Complete Loan Modification Kit Solution 3:
Instantly delivered forms, checklists, manual and templates all showing you how to get started quickly and be ready to contact your lender with everything ready in under 24hrs!
Mistake 4:
Unconvincingly written hardship letters will not help your cause. The description should be compelling in order for the lender to empathize with your situation. It is imperative to understand that if you do not convince your bank that you deserve a Loan Modification due to circumstances which are beyond your personal control, your chances of approval are very minimal.
Complete Loan Modification Kit Solution 4:
Professionally written templates that are easy to customize and have been proven successful.
Mistake 5:
Error of Omission - Incomplete information or omitting relevant fields on your application formcan be the most common reason for the delay and in some cases even rejection of your proposal. Are you aware that your local bank shall verify all the information provided by you? It is a full disclosure procedure, in which, delays can be avoided by disclosing all your income and debts in totality. There is a method available to ensure that you do not leave or miss anything on your proposal.
Complete Loan Modification Kit Solution 5:
Professionally written templates that are easy to customize and have been proven successful.
Mistake 6:
Submitting a Loan Workout proposal which does not meet the criteria or requirements set forth by your lender. Each lender has their own criteria that must be met. When your forms do not conform to set criteria of the banks, then in all probability your proposal will be declined. Ensure that you know your banks lending guidelines and then complete your loan modification forms. Are you aware of method to gauge your target mortgage payment so it is within your budget and also confirming to lenders guidelines for approval?
Complete Loan Modification Kit Solution 6:
Templates that automatically calculate your financial ratios your lender needs to see. Complete package from A-Z of everything you need with an easy to follow guide.
Mistake 7:
Not providing your lender with the entire loan modification package that includes all forms and documents needed for their review. Remember, your lender has thousands of borrowers like you who need similar assistance.
Complete Loan Modification Kit Solution 7:
Document checklists, you will not miss any documents!
Mistake 8:
Not being persistent in communicating with your lender can allow for your case to fall through the cracks and remain un-resolved. You must ensure you are in constant communication with your lender to ensure you get a speedy resolution to your application.
Complete Loan Modification Kit Solution 8:
Phone conversation scripts + contact log so you can keep track of all communication and ensure your Loan Modification does not get ignored.
Only $39.95
P.S.: You have an incredible 90 days to decide if the Complete Loan Modification Kit exceeds your expectations. If it does not you can simply request a refund and the kit is yours to keep. I am taking all the risk away, the product is your to keep!
P.P.S If you feel this material would be useful but are currently in a position that it makes purchasing it difficult, I want you to have it anyway, please purchase it and then request a refund if the money could help save your home. I believe that if you took the time to read all the way to the bottom than without a doubt this product would help save your home. As an additional bonus for reading to the bottom of the page here is a Free Hardship Letter Sample!
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