do it yourself loan modification

This complete do it yourself loan modification guide explains in detail how to complete your own loan modification. We understand that many people prefer to handle their own loan modifications but are just lacking and understand of the loan modification process. This loan modification do it yourself guide will take you step by step through the loan modification process. The most commonly misunderstood aspects of the loan modification process are the hardship letter and the financial statement. These are the most critical areas for sure but there are many other factors you will want to know step by step how to handle as well. With this book you won't need an attorney or a loan modification company to work on your behalf, you will be the expert!

loan modification guide
Home \ About Loan Modifications

What You Need To Know About
Loan Modifications

A loan modification is a change in any of the terms of your mortgage note. Some of the most common elements of a loan modification change are: 

  • Lowering the interest rate
  • Fixing the interest rate
  • Decreasing the principle balance of the loan
  • Putting Past Due charges onto the balance of the loan
  • Increasing the number of years the loan is amortized over

In order to do a loan modification you must first request one from your lender. If you are currently in foreclosure, filing a loan modification request can help stop foreclosure while the loan modification is in process. They mail out a loan modification package to you that details exactly what documentation they will need from you. The loan modification package will also contain additional forms that the lender will need you to complete and send back with the other documentation.

While it is possible for a home owner to complete this package and return it to the lender there are several problems that can arise if one is not in complete understanding about what the bank will need to see. The most confusing elements of the loan modification package are the financial statement form and the hardship letter. These two documents will form the framework of your loan modification request to the lender. It's important to get the package correct and all forms submitted in full the first time. Lenders are known to put you in the back of the line if you don't submit a complete package or if the numbers obviously don't work. 

This is why many people turn to a loan modification company that has an attorney on staff to complete the documentation and deal directly with the bank on your behalf. The bank responds much more quickly to a request from an attorney then they do to a private individual. Because we do loan modifications on a regular basis we have direct contacts at all of the major lending institution loan modification departments. They know us and are more likely to process our requests ahead of a private individuals who are prone to submitting incomplete or financial forms that make the modification immediately disqualified. 

Fill out the info below and let one of our loan modification officers evaluate your options with no obligation to you. We want to help stop as many foreclosures as possible. Loan modifications are now backed by Federal programs to help ensure you get a lower payment that you can afford!

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Stop Foreclosure

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Are you drowning in debt?

The economy has left millions of Americans saddled with crushing debt. For home owners who once had access to equity in their home as a "last resort" savings, there is no where left to turn. 

Housing values have dropped more than 30% over the last two years in states across the U.S. Employers are laying off or cutting back hours putting further pressure on home owners. 

Your home is likely the single biggest investment and there is no reason you need to lose it. We have been working with home owners who have been facing foreclosure and helped them not only save their homes, but actually lower their mortgage payments into a reasonable range where it becomes possible to get back on track and even build up your savings once again.

The economy will turn around and housing values will increase again... until then a loan modification can be the lifeline you need Learn More

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