Step by Step Loan Modification eBook
***UPDATED July 1st, 2010***
There is no need to pay anyone $1,500 - $4,000 to do what you can do for yourself.
Cut through all the wrong information and arm yourself with this step-by-step eBook with
all the forms, examples, and worksheets you need to get your loan modification submitted
and approved the first time, Quick!
Why Buy Our Loan Modification Book? EXPERIENCE!
As a Mortgage and Real Estate Broker, I have experienced bankruptcy, liens, judgments, foreclosure, short sales, auctions, threats, and learned more than I ever thought or wanted to know about loan modification and saving a home. I now know how to deal with almost any situation. I am a real person with real hands on experience with Loan Modification and foreclosure and I have solutions.
Most companies tell you what time it is....we show you how to build the watch!
We are two generations of experienced and licensed mortgage and real estate professionals . We have done 100s of full service loan modifications for our clients and their friends and families.
We have been in the trenches doing loan modifications for 3 years including successfully negotiating our own loans.
We have talked to the negotiators, collection people, short sale administrators, Foreclosure trustees, written hundreds of hardship letters and put together the right information the lender wants to see.
We are real people with real hands on experience and solutions. We own real estate businesses, have families and bills just like you. What we're not are slick marketing people who have "read up" on the subject and are simply providing you information that has been cut and paste. It based on our experience.
After spending months of research and compiling hands on information and tactics and the most current changes in this new area of mortgage management we wrote this book.
People are broke, scared and want to keep their houses and families in tact and we guarantee this book will address all those issues and more.
Read our full background here
Let us show you how to....
Modify your Own Loan without paying anyone to help you-
with insider TIPS that make it happen quicker and more effective
Negotiate a Loan Modification that lowers your rate and payment.
Stop your Foreclosure or Sale Date - little known techniques keep you in the home
Qualify for the Obama HAMP Programs
Use our easy fill in the blanks Forms and Worksheets Included - Print, complete online, or Download
Delay Foreclosure and Use Alternatives to Loan Modification - you should know what your options are and how to navigate them
We have not filled our pages with information you probably already know about the financial crisis,
graphs, charts, and other web pages. We get to the point and give you access to the information you need
now so you don’t lose your home. Time is of the essence and we realize that.
We have broken down everything into terms you can understand and can come back to as a resource as you work through your loan modification process.
Talking to your lender can be like talking to the wall or to someone speaking another language. We give you tricks to get your package looked at and get answers.
If nothing else reading this book will help you become armed with valuable and accurate information and knowledge to go toe to toe with your lender. It is a good desktop reference for the many questions you get from your lender.
Obama Loan Modification Programs
(update July 1st, 2010)
Obama has pledged Billions of dollars to help homeowners modify their loans and also made some recent enhacements to those programs. Our Loan Modification book has been updated to include all those changes and what it takes to qualify.
The Obama Loan Modification programs can and will give you some of the lowest rates and payments available for any type of loan modification but - BE WARNED - there is always a trial modification plan and the trial period has to be followed exactly or the lender can sell your house from underneath you if you are delinquent. They have zero tolerance for delinquencies while in the trial period. We will show you how to avoid the most common mistakes people make during this trial period.
Like all other modifications you must fit into their formula and know exactly how to show them why you deserve a modification, how you are going to afford it, and provide back up to everything you show them. We will show you how to qualify yourself for this program in detail.
WHAT YOU GET
(updated July 1st, 2010)
Step-by-Step Instruction from Experts who do this everyday
Names of Non-Profit resources who can help you negotiate for Free
Insider TIPS that make it happen quicker and with better results
Multiple, Detailed Examples on How to Craft and Present Each Section Including... The Cover Letter - The Hardship Letter - The Proposal Letter - The Income and Expense - And much more!
How to qualify for the Obama H.A.M.P. programs
Find out if your lender took TARP money and how that can help you.
Underwriting criteria, and how to get approved in a real world situation!
All the Interactive Forms and Worksheets you need with built in formulas
Detailed examples and explanation of Debt To Income ratios and forms to calculate them for you.
Our Proven Pre-Qualification Method to "Tighten Up" Your Proposal Packet Before Submitting It!
Details on all the loan modification types available
4 Alternatives should you not qualify for a loan modification
A Comprehensive Breakdown of your “Loan Modification Proposal” Packet and all of it's Components
A complete list of all the backup Documents you will need
Samples of actual modified loan documents
Proven Advice on How to Proceed if Your Loan Modification Has Been Denied (and Still Get the Help You Need to Save Your Home)
5 Free Bonuses with Book
- Entire section on Credit Repair and insider tricks to Repair
- Instant access to credit repair software and full service credit repair
- Sources for secured credit cards to re-establish credit
- Sources for debt consolidation and debt settlement
- Laws regarding debt collection, i.e. harassment copy of Fair Debt Credit Protection Act
For those who don't have time to sit on the phone or complete the paperwork outlined in our book, we offer the Jumpstart Program. This program is designed for people who want to know they are pre-qualified and that the paperwork is done correctly, completely, and ready to be submitted. Go to our Jumpstart web page for more details.
Why are we the best solution to your problems?
We are a family operation who has been in every aspect of real estate including Real Estate Sales, Finance, Development, and Construction. There is no substitute for this experience and we have a combined 60 years of it. We have experienced everything you are going through plus bankruptcy, liens, judgments, threats, and learned more than we ever thought or wanted to know about saving a home and how to deal with almost any situation. We are a real people with real hands on experience and solutions.
Working with banks, lenders and lawyers for over 30 years you would think they would be there to help you when you when economic conditions took such a hard turn. I hoped they would work with me and help me salvage my retirement investments and years of hard work by just by calling them and asking them to work with me…WRONG.
I found out its hardball and they don’t care about all the money I gave them for years on my 13 mortgages. Remember the old expression “I am mad as hell and I am not going to take it anymore!” Well that’s the day my attitude changed and yours should too. People’s intentions, as mine, were good and honest, now WE need a bailout just like our lenders have received.
I found the problem with having a reputable modification company provide full service loan modification services wasn’t affordable for most people. The cost without an attorney involved is around $2,500 to $3,500 and with an attorney usually more than that.
This might work for some, but I found most people I talked to were plenty smart enough to do it themselves if they only new how to and had the right information.
That’s why I wrote the book I am offering you for $80 only $39.95!. We have attorneys
and service providers that can still provide full service loan modifications, foreclosure delay, and
consultation in all other areas for many, but frankly in talking to hundreds of people we all felt
that showing you how to modify your own loan without paying someone else was a need we could fill.
Okay so that’s my offer and what you can do for yourself starting tomorrow. It’s as easy
as paying $80 $39.95 using any major credit card or PayPal. Upon payment you can immediately download the
book and get to work.
Respectfully,
John (Kurt) Francis
P.S. – Remember the sooner you get the process started the sooner the phone calls will stop and the sooner you can get your mortgage payment and rate lowered!!
To contact us you can email us at info@lowcostloanmodification.com.