AT LAST! a Complete Loan Modification Kit which provides insider tips and easy instructions on how to stop the foreclosure process and SAVE YOUR FAMIL

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.

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 time

The 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.   

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. 

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.”

Misty Lange, Arlington, Virginia

Listen to what Misty left on ForeclosureMedic.com's answering machine after we asked her about reading the book:

More Do It Yourself Loan Modification Kit Success Stories

"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

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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60-Minute Loan Modification

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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