Stressed out and losing sleep because you are worried about how to pay your home loan?  Homeowners having trouble making their mortgage payment may be eligible for a Wilshire Credit Corporation loan modification with Obama’s government plan.  The lender is one of the approved banks who can offer the very aggressive loan terms under this federal program.  If you are at risk of losing your home, or facing a financial hardship that is causing your current mortgage payment to be unaffordable, find out the details of how this plan works and how you can apply for help.

Wilshire Credit Corporation has signed an agreement with the Treasury Department that allows them to actually get paid to modify loans using the standard criteria of the federal program.  Each loan that is successfully modified using this criteria will qualify the bank to receive an incentive payment, that is a big reason for homeowners to apply now because the bank is very motivated to help as many borrowers as possible stay in their home.  Wilshire Credit Corporation will receive payments from the Treasury Department for each loan they modify using this federal plan, whether the loan is delinquent or current.  In addition, homeowners will be paid a bonus of $1000 for each year that they maintain the new payments, for up to five years.  This $5000 bonus for success will be credited towards the loan balance, thereby increasing the home equity and encouraging homeowners to stay in their home.

Federal Plan

What are the basic requirements for homeowners to be eligible for this federal plan called Home Affordable Modification?  There are 5 basic guidelines you must meet before you can submit your formal application:

1. 1.  You must live in the home as your principal residence

2.   Your loan must have been initiated before January 1, 2009

3.  Loan amount must be less than $729,750

4.  Current payment must equal greater than 31% of your gross monthly income (including your property taxes, homeowners insurance and any homeowners dues)

5.  You must be facing a financial hardship situation-due to lower income, greater expenses or other acceptable reason

Once your pass the initial questionnaire, you will be asked to submit an application that includes your financial information.  You will have to prepare a financial statement or budget that details your monthly income and expenses.  This is very important-you must prepare your forms correctly so that you clearly prove you are a good candidate for a loan modification.  You should work on this form before you call the lender-you do not want to be caught off guard and unprepared when you have your lender on the phone.  Take the time to learn the program guidelines and work on your forms ahead of time so you can make the necessary adjustments and increase your chances of approval.  Use the easy to understand directions to complete your own loan modification forms correctly in Chapter 2 of the #1 resource guide, The Complete Loan Modification Guide. 

Learn how!

Wilshire Credit Corporation will use the standard methods of loan modification set forth by the government to lower your mortgage payment to the new target payment.  First, they will reduce the interest rate to as low as 2%, then they will extend your loan term to 40 years, and finally they may defer or forgive part of the principal balance.  The goal is to achieve a new payment that equals just 31% of your gross monthly income.  Your new target payment will be affordable now and in the future, and enable you to be able to stay in your home.

If you are facing difficulties and at risk of losing your home, you need to begin the Wilshire Credit Corporation loan modification process now.  This government program enacted by President Obama is available for a limited time and funded by $75 billion in stimulus money.  Do not miss your chance for the help you need and deserve.  Make sure you understand how to apply and qualify so you have the best chance of success.

You can get the help you need to apply and qualify for a Wilshire Credit Corporation loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to qualify for the Obama Federal loan modification plan.

Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Home Edition Loan Modification Kit with Customer Assist

Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly.

Homeowners stuck with high mortgage payments could get the relief they need to stop foreclosure under the federal government stimulus plan that features loan modification help.  This plan is subsidized by the TARP funds and is aimed at helping 5 million borrowers find a solution to stay in their homes.  So just what does it take to get some of that bailout money assistance from your lender?  Here are some details of the program and how to apply and increase your chances of qualifying.

Learn the Basics:

Name of plan: Home Affordable Modification or HAM for short.  Most of the larger lenders and servicers are already approved to offer the program to their eligible borrowers.  Those banks still awaiting approval from the feds are accepting applications from interested borrowers.  Once approved, participating lenders are able to take advantage of incentive payments that actually reward them for each loan modified using the plans parameters.

Who can apply: Homeowners facing a financial hardship situation and who live in the home as their primary residence are encouraged to contact their lender and ask to be considered for HAM.  You will also be asked to provide proof of your income and assets to verify that your current mortgage payment (including the costs for property taxes, homeowners insurance and any homeowners association dues) equals more than 31% of your gross monthly income.  Your loan has to have been taken out before January 1, 2009 and have a balance of less than $729,750 (multi units can be higher)

Federal Government Loan Modification Plan benefits:  The goal of this program is to reduce the borrowers monthly mortgage obligation to equal just 31% of their gross monthly income.  Once a homeowners begins the application process, participating lenders have agreed to forestall any foreclosure proceedings while the application is reviewed for eligibility.  The long term benefit is an affordable and sustainable mortgage that will encourage the borrower to stay in their home and continue making payments each month.

Stimulus Plan Loan Modification Terms:  The plan calls for a standard method of modifying loans to reach the target payment.  Participating lenders are required to use these methods in order to receive the monetary incentives from the Treasury Department.  First, the interest rate will be reduced to as low as 2%, next the term may be extended to 40 years, and finally some of the principal balance may be deferred or forgiven in order to reach the 31% target mortgage payment.

Learn the Guidelines to Qualify:  Since the approval criteria is standard for everyone, it pays to learn exactly what the lender is looking for on your paperwork in order to approve your application.  If you can adjust your budget correctly and provide all of the required paperwork in a complete and accurate package, you have a very good chance of qualifying for this aggressive loan modification plan.  Now is not the time to slap something together and hope for the best.  Over 150,000 borrowers have already gotten approved, you can too when you take the time to learn and prepare.

APPLICATION TIP:  Do not contact your lender and give them your financial information until you have taken the time to work on your budget and completed your forms ahead of time.  This is critical if you hope to be able to prove in black and white that you meet the approval guidelines.  You do not want to be stumbling around with the bank on the phone trying to guess at the right answers!  Make sure you complete your loan modification forms correctly-take advantage of the step by step directions in Chapter 2 of the #1 resource guide for homeowners, The Complete Loan Modification Guide.  It’s the inside edge you need to be successful when dealing with your lender.

You can get the help you need to apply & qualify for the Stimulus plan loan modification by ordering and downloading the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to apply and qualify for the Obama federal program too. Get started today on the path to secure home ownership, order and download The Complete Loan Modification Guide. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Are you facing a financial hardship and finding it hard to make your mortgage payments?  If you are delinquent or are at risk of getting into trouble due to unaffordable mortgage payments, then you may be eligible to apply for President Obama’s Federal loan modification plan.  The first step is to find out if your lender or servicer has been approved by the Treasury Department to offer this government program.  Here is a list of the authorized lenders, see if yours is listed:

Aurora Loan Services, LLC.

Bank of America, NA

Bayview Loan Servicing, LLC

CCO Mortgage

Carrington Mortgage Services, LLC

Chase Financial, LLC

Citimortgage, Inc

Citizens First Wholesale Mortgage Co.

Countrywide Home Loan Servicing LP

First Federal Savings and Loan

GMAC Mortgage LLC

Green Tree Servicing LLC

Home Loan Services Inc

IBM Southeast Employees Federal Credit Union

Lake National Bank

National City Bank

Nationstar Mortgage LLC

Ocwen Financial Corporation, Inc

RG Mortgage Corporation

Residential Credit Solutions

Saxon Mortgage Services

Select Portfolio Servicing

Technology Credit Union

Wachovia Mortgage FSB

Wells Fargo Bank, NA

Wescom Central Credit Union

Wilshire Credit Corporation

Did you find your lender or servicer?  If you did, then you should contact them and ask to be considered for the federal loan modification plan called “Making Home Affordable”.  This federally subsidized loan workout program features modified mortgage terms designed to give borrowers a payment they can afford and help them to avoid foreclosure.  Under this program, you could see your interest rate reduced to as low as 2% for 40 years and possibly have part of your principal balance deferred or forgiven.

Pay a Company?

Lenders will receive cash incentives paid by the Treasury Department for each loan they modify using this federal loan modification plan.  You do not have to be delinquent to qualify, nor does your loan have to be owned by Freddie Mac or Fannie Mae in order to get help.  Homeowners will also be eligible for payments of up to $1000 per year for each year they maintain the new modified payment-for a maximum of five years.  If you have a second trust deed as well, this federal plan mandates that it also be modified concurrently.

If you did not see your bank listed, don’t give up.  New lenders are being approved everyday, and most are accepting applications from interested borrowers while they await their formal Treasury Department approval.  You should use this time to learn more about how the plan works, and find out how to complete your application paperwork so you have the best chance of qualifying.

APPLICATION TIP:  The secret to successfully getting your loan modified using President Obama’s federal loan modification plan is to prove that you meet the program’s approval criteria.  There are standard guidelines that must be met-either you qualify or you don’t.  But you can make some minor adjustments to your budget and financials so that you have a very good chance of meeting those guidelines-you just need to know how to prepare your application correctly.  You can follow the step by step directions to complete your loan modification forms in Chapter 3 of the #1 resource guide for homeowners, The Complete Loan Modification Guide kit.

Learn about the guidelines for approval and how to prepare your own acceptable loan modification application by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to apply and qualify for the Obama federal program too. Get started today on the path to secure home ownership, order and download The Complete Loan Modification Guide. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

A very aggressive program is being offered to qualified homeowners and is funded by Obama’s stimulus plan.  Four to five million homeowners are targeted for this loan modification effort, and if you are losing sleep and stressing out because you can no longer afford your mortgage, now is the time to learn the steps to apply for assistance.

You must be able to meet the basic eligibility requirements to be able to apply for this Stimulus loan modification plan.  The first step is to make sure you fit into this category:

1. Live in the home as your principal residence
2. Loan was taken out before January 1, 2009 and is less than $729,750
3. Current payment equals more than 31% of your gross monthly income-including your property taxes, homeowners insurance and any homeowners dues
4. Facing a financial harship situation

Once you pass the preliminary questions, your next step will be to complete an application and submit it for review.  This will include a financial statement or budget that details your monthly income and expenses, as well as a letter that explains to the bank why your current mortgage payment has become unaffordable.  All of this information will be verified and reviewed carefully before your loan modification will be approved.

The Obama stimulus loan modification plan has standard terms and procedures-if you can prove you meet the guidelines you are approved-if not, you are denied.  You will greatly increase your chance of approval if you take the time to work on your budget, hardship letter and gather all of your income documents before contacting your lender.  You need to be sure that you make the necessary adjustments to your budget so that you have a good chance of qualifying.  Once the bank sees your information it is too late to make any changes.

Once you have all of your loan modification forms fine tuned and completed correctly, you will be ready to submit your paperwork for final review.  You will be given a short telephone interview and it is a good idea to have copies of everything you sent in so you can refer to them and answer the questions correctly.  It’s not hard to properly prepare your application-use the best selling handbook for homeowners, The Complete Loan Modification Guide kit and follow the step by step directions.

You can get the help you need to apply and qualify for a loan modification by ordering the #1 resource for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender.

Learn how to qualify for the Obama Federal loan modification plan. Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Those homeowners who are having trouble making their mortgage payment or you are at risk of losing their homes may be eligible for a Citimortgage loan modification and qualify for the streamlined approval process.  The bank is now approved to offer the federal loan workout program that is funded by $75 billion dollars of stimulus money.  Learn how you may be eligible for relief using the very aggressive program initiated by President Obama to help borrowers keep their homes.

Citimortgage has agreed to abide by the loan modification terms set forth by the Treasury Department, and in return the lender will be paid for each loan workout that meets the federal guidelines.  The approval process basically involves 3 steps for homeowners-if you know how to navigate your way through and can prove you meet the guidelines, then you will be on your way to a low mortgage payment.

1. Step one is to make sure you can pass the basic eligiblity questionnaire.  If you can meet these guidelines, then you can go on to the second step.  Do you live in the home as your principal residence?  Was your loan taken out before January 2009 and is the balance less tan $729,750?  Is your current payment more than 31% of your gross income?  Are you facing a financial hardship situation?
2. If you passed those questions, then step 2 is to actually complete the loan modification forms and provide proof of your income and assets.  Be careful!  Remember, the information you provide will determine if you get approved or not-this is not the time to slap something together!  Take the time to learn about the approval guidelines, and know how to make adjustments to your budget so that you will qualify.  You can get help to complete your own loan modification forms and learn the insider tips to success in Chapter 2 of the best selling resource guide for homeowners, The Complete Loan Modification Guide.
3. You will be given a short telephone interview and you will be asked a few questions to verify the information you provided.  Make sure you have copies of all of the forms you submitted as will as all the other documents in front of you so you don’t stumble or say the wrong thing.  Learn what to say and what NOT to say in Chapter 3 of The Complete Loan Modification Guide.

Once you are approved for a Citimortgage loan modification you will be on a 3 month trial-make sure you make all of the payments on time.  Then the workout will be finalized and you can begin getting your finances back on track.  Learn the secrets to fixing your credit score in the bonus Chapter 9 of The Complete Loan Modification Guide.  These are hard times for millions of homeowners-but only those who take the time and make the effort to learn, prepare and then get going will be successful.

You can get the help you need to apply and qualify for a loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender.

Learn how to qualify for the Obama Federal loan modification plan. Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Frustrated and stressed out because you cannot afford your mortgage payments?  There is good news for Wells Fargo loan modification candidates as the bank begins streamlined approvals using the Obama plan.  What does this mean for you?  Now is the time to learn how you could qualify for a payment reduction under this government sponsored plan.  Find out how it works and how you can apply.

Now that Wells Fargo is approved to receive incentive payments from the Treasury Department for every loan they modify under Obama’s plan, the approvals are being sent out to qualified homeowners quickly.  The fact is that if you can prove you meet the standard guidelines then you have a very good chance of getting that lower mortgage payment you need.

The secret to a fast Wells Fargo loan modification approval is simple-know and understand how to complete your application so that it fits right into the acceptable guidelines.  You can make it easy for the bank to approve you when you prepare and submit your application correctly.  All they are looking for to approve you is that you meet the criteria-when you can prove in black and white that you are a good candidate then you are on your way to a lower payment.

What are the approval guidelines and how can you be sure that you are completing your Wells Fargo loan modification forms correctly for quick approval?  You must be able to prepare your financial statement so that it proves that the current payment is unaffordable but the new, modified payment will fit your debt ratio percentage and you have a little money left over after paying all of your bills.  You can learn how to do this by following the step-by-step directions in Chapter 2 of the best selling resource book for homeowners, The Complete Loan Modification Guide kit-it’s not hard with these instructions.

When you take the time to work on your loan modification forms before giving Wells Fargo your financial information you are making sure that you have the best chance of approval.  If you just slap something together and hope for the best, you are taking a big chance.  Your home is on the line-make sure you do everything you can to get the results you need and deserve.  It just makes sense-learn, prepare, fine tune, then apply-it is time well spent.

You can get the help you need to apply and qualify for a Wells Fargo loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly. The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to qualify for the Obama Federal loan modification plan. Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Are you stuck in an unaffordable mortgage and wondering if you could be a good candidate for a loan modification?  There are federal programs that you may qualify for-with $75 billion waiting to help eligible homeowners get affordable payments, now is the time to learn how you could benefit from one of the loan workout plans.  Here are some questions and answers to help you get started.

1. What is a loan modification?  A permanent change to one or ore terms of the original terms of your mortgage-usually resulting in a more affordable payment. 
2. What is the difference between a refinance and a loan modification?  A loan modification does not require any certain credit score, appraisal or escrow.  A loan modification is free and you work with your existing lender to revise the terms of your current loan.  A refinance is a completely new loan, and requires that you meet certain underwriting criteria, including credit score, loan to value, income, etc.
3. What are the different loan modification programs available?  Each lender has their own programs and in addition, the Stimulus Plan includes a Federal program called, Making Home Affordable.  Depending on the homeowner’s situation, they may be eligible for a reduction in their interest rate down to as low as 2%, a longer loan term-up to 40 years and perhaps principal reduction or deferral.
4. How do homeowners facing financial hardship apply for a loan modification?  Borrowers will be asked to complete loan modification application forms, provide proof of their income and will be given a short telephone interview.  Based on the information provided to the bank, a decision will be made if the homeowner is eligible for assistance.
5. How can a borrower increase their chances of success?  It is very important to understand how to complete the application correctly so that the forms prove to the lender that the homeowner meets all of the guidelines.  This is easy to do when following the step by step instructions provided in The Complete Loan Modification Guide.

6. 

   Pay a Company?

   6.  Is it necessary to pay a loan modification company or hire an attorney?  In the vast majority of cases, homeowners can do it themselves and be successful.  There is no need to pay large upfront fees to an outside company-and recent statistics show that borrowers who work directly with their lenders are having a greater success rate.  President Obama is encouraging all homeowners to work with their banks directly to get help-but the secret to success is learning a bit about how to prepare your application correctly-and that is exactly what The Complete Loan Modification Guide does.

    

7. What was your motivation for publishing The Complete Loan Modification Guide kit?  Our goal has always been the education and protection of homeowners.  After seeing thousands of borrowers pay exorbitant fees and be taken advantage of, we realized that homeowners could get better results themselves-all they needed was an easy to understand and simple to follow Guide.  That is what we have provided with a complete loan modification system-
8. What do you mean “system”?  When homeowners purchase the kit, they receive an easy to read handbook with step by step directions through the loan modification process-as well as information on loan workout options, lender guidelines, tips to fill out the forms and your legal rights.

They also receive a DVD that provides an overview of the loan modification process, what is included in the kit and how to use the materials.  All of the required loan modification forms are provided on an interactive CD for easy completion and professional looking results.  They also receive a set of pre-printed forms with instructions.

But, we also give the homeowner continued support with email support, monthly newsletters and notifications on program updates.

9.  How long does it take to get a loan modification?  It varies, but we are now seeing our customers getting their answers back within 30 days or so.  The more complete and accurate your application, the faster you can expect an answer.

10.  How can homeowners get The Complete Loan Modification Guide kit and what does it cost?  The kit is $149 and it is available by visiting our website;  www.modifytoday.us.

Now that Obama’s stimulus money has found it’s way to mortgage lenders, over 150,000 homeowners have already gotten lower payments with a loan modification in the last few months.  It looks like there is light at the end of the tunnel for borrowers who can meet the approval requirements.  Wondering how you can apply and qualify for loan modification help?

$75 billion in stimulus money is allocated to help lenders and homeowners with loan modifications that feature low, affordable monthly payments.  The trick is knowing what the approval requirements are and then completing your loan modification forms so that your bank sees that you meet those requirements.  A little upfront preparation will make a big difference in getting approved-now is not the time to slap something together and hope for the best.  Your home is on the line, take a little time to learn what you need to do to prepare and submit and acceptable loan workout application.

You can learn about lender guidelines and who qualifies for which programs in Chapter 3 of The Complete Loan Modification Guide kit.  Do you know which program you might qualify for?  How do you adjust your budget and financial statement so that you meet that approval criteria.  It’s easy when you follow the step by step directions and use the forms provided in Chapter 10.

Work on your budget now

Do you know how to calculate your debt ratio and determine your target payment?  This is critical if you want to have a shot at getting the lowest mortgage payment on your modification.  Each lender has it’s own acceptable debt ratio requirements-when you have this information ahead of time you are able to make the necessary adjustments and fine tune your figures before your bank reviews them.  Remember, even a small adjustment to your budget can make the difference-you need to know this before submitting your application. 

You need a lower mortgage payment, your lender has programs and funding available to modify loans-all you have to do is to learn a few basic steps so that you can get the help you need and deserve.  The truth is that even the most deserving homeowner can be declined if they do not take the time to prepare their application correctly.  It’s not rocket science-all that is required is a couple hours of your time and you can greatly increase your chances of success.

You can get the help you need to apply and qualify for a loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly.

Home Edition Loan Modification Kit with Customer Assist

The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to qualify for the Obama Federal loan modification plan.

Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Good question-why do some homeowners get their loan modifications with Countrywide completed in 30 days while other borrowers wait and wait and wait?  If you are facing the possibility of losing your home, you don’t have time to wait around and worry.  Here are some important things you can do to help speed your application along.

1. Make sure you know exactly what Countrywide needs to see from you in order to approve your application quickly-if you don’t send everything in the first time-your answer will be delayed while they move onto the next file.  You can follow a simple Submission Checklist found in Chapter 10 of the best selling handbook for homeowners, The Complete Loan Modification Guide.
2. Prepare your budget-detailing your income and expenses-ahead of time.  This way you have the chance to make the necessary adjustments so that you fit into the approval guidelines.  Even a $100 adjustment could make the difference between approval and denial.  Get step by step directions for completing your financial statements correctly in Chapter 3 of The Complete Loan Modifcation Guide.
3. Compose your hardship letter so that it gives just enough details to make it convincing, but is not so long the lender won’t even read it.  An effective letter contains 3 critical elements-you can follow an easy outline provided in Chapter 10 of The Complete Loan Modification Guide to make sure you include everything you should.
4. 4.  Compile all of the paperwork, make copies of everything for your records, then fax it and mail it to Countrywide.  Now mark your calendar to call and check the status every 5 days.  You want to make sure it has been received and is at the top of the stack.

Homeowners are getting loan modifications with Countrywide-but successful homeowners know the tips to get results fast.  If you don’t take the time to learn and prepare you are taking a big chance-now is not the time to just “Wing it”-your home deserves a few hours of your time to learn and prepare.

You can get the help you need to apply and qualify for a Countrywide loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly.

The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. Learn how to qualify for the Obama Federal loan modification plan. Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide, your loan mod in a box. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com