Federal Plan

HSBC is being paid by the Treasury Department to offer Obama’s Stimulus Plan Loan Modification program to borrowers facing financial hardship situations.  The goal is to keep homeowners out of foreclosure and encourage them to keep making mortgage payments.  Can this program help you?  Here’s how it works.

How to Apply:  Obama has mandated that every homeowner who requests the Home Affordable Modification Plan must be considered.  This means that even if you have applied with HSBC previously and been turned down, you can re-apply under this Federal plan.  During the review process, any foreclosure proceedings will be halted until an eligibility determination is made.  So, you can call the banks Loss Mitigation Department and say, “I want to apply for the Home Affordable Modification Plan”.

CAUTION:  Do NOT give HSBC any of your financial information until you have taken the time to prepare your loan modification forms and have fine tuned your application.  This is critical to success-you need to be prepared and have all of your information in front of you so that you don’t make any mistakes.

Obama’s Stimulus Plan Features:  The program has one goal-to provide you with an affordable and sustainable mortgage payment so you can stay in your home.  There is a standard method of determining if you qualify:

1. Do you live in the home as your primary residence?
2. Was your loan taken out before January 1, 2009?
3. Is your loan amount less than $729,750? (for 1 unit properties-higher for 2-4 units)
4. Is your current payment more than 31% of your gross monthly income? (including your property taxes, homeowners insurance and any homeowners dues)
5. Are you facing a financial hardship situation?

If you can meet all of these basic criteria, then you are a good candidate for help.  The next step is to prepare your actual application forms-this is the important part.  You must take the time to work on your financial statement and adjust your budget so that you fit into the approval guidelines.  This is a simple process and not hard to do when you follow step by step directions provided in the #1 resource for homeowners, The Complete Loan Modification Guide.

Once you have prepared your forms and fine tuned the figures, it is time to get on the phone to HSBC.  Ask for the Loss Mitigation Department, do not speak with the Collections Department, they cannot and will not help you with a loan workout.  Make sure you have all of your prepared forms in front of you-refer back to your financial statement when asked questions by the counselor-you can be confident that you have a good chance of approval – why?  Because you spent a couple of hours learning and preparing your application correctly!

You can get the help you need to apply and qualify for an HSBC 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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

OCWEN borrowers looking for relief need to learn how to complete a loan modification application correctly so they will qualify for the help they need. A loan modification can be the solution that offers long term, affordable mortgage payments that will allow homeowners to avert foreclosure and stay in their home. OCWEN has agreed to offer the Federal program that offers to modify loans for borrowers facing financial hardship. But how does a needy homeowner start the application process? More importantly, how can a desperate borrower increase their chance for approval with their lender so they obtain a new, low mortgage payment?

Here are the Top 10 FAQS about a loan modification application to help answer some of those important questions:

1. Does every homeowner qualify for a loan modification? Unfortunately, no, a homeowner must be able to meet certain required qualifications in order to obtain a loan workout.
2. Do I have to be delinquent on my payments to qualify for help? No, but you must show evidence of imminent financial hardship-meaning that if you don’t get help you will become delinquent due to increase expenses or less income. However, at this time, priority is given to those borrowers who are facing foreclosure in the near future.
3. Can I get a loan modification if I have filed Bankruptcy? If you are in active Chapter 7, then you must wait until the case is discharged to apply. Chapter 13 borrowers must obtain court approval for any changes to their debts.
4. What is an acceptable hardship situation? While each borrower facing a unique situation, most lenders have generally agreed that divorce or separation, job loss, decreased income, illness or medical expenses, death of family member, military duty, incarceration and natural disaster are all valid reasons to submit a loan modification application.
5. Do I have to prove my hardship? The lender will ask for a Hardship Letter which will briefly describe your situation, what steps have been take to correct the situation and your intention to remain current in the future. Borrowers can use an outline and hardship letter template provided in Chapter 10 of the #1 resource for homeowners, The Complete Loan Modification Guide, to help  write a convincing hardship letter.
6. What loan modification forms are required and where do I get them? Your application will have to include a borrowers statement that provides your general information and financial statements that detail your income and expenses so that lender has a snapshot of your current financial situation.
7. What else do I need to give my lender to determine if I qualify?  You will be asked to provide your paycheck stubs, bank statements and tax returns.
8. I owe more than my home is worth-can I still submit a loan modification application? Yes, there is actually more incentive for OCWEN to offer you a lower mortgage payment so you can stay in your home as they stand to lose more money by foreclosing due to the decreased value of your home.
9. Does a loan modification hurt my credit? The loan workout itself will not reflect on your credit report, however if you have had late payments and are delinquent, that will usually be reported to the credit bureaus. Interestingly, some lenders have delayed their reporting of delinquent loan payments in an effort to give the homeowner the opportunity to explore refinancing options before hitting the credit report.
10. Whats the best way to get started on my loan modification application? First, you must take the time to learn as much as you can about the process so that you can increase your chances of success by preparing an acceptable application to your lender. Once you know and understand what your bank needs to see in order to qualify you for help, you will be able to prepare your paperwork properly so you can get the help you need and deserve-use the valuable information provided in the best selling handbook, The Complete Loan Modification Guide.

Learn how!

Homeowners seeking loan modification help should learn a bit about the process before contacting OCWEN. A knowledgeable homeowner is a powerful homeowner. Make the decision to take control of your financial future by taking the time to research, learn and prepare. Spend just a couple of hours learning the basics, and your chances of success will be much greater.  This is serious stuff, your families home and credit is on the line-your time and effort will be well spent and you will be able to get back on the path to secure home ownership.

You can get the help you need to apply and qualify for an OCWEN 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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

When you apply for a modification with Bank of America, you will be asked to supply certain loan modification forms. The bank requires some basic information from a homeowner and this information is reviewed to determine your eligibility. Here is a list of the basic forms and just what is required on each one.

1. Borrowers Statement: This is your basic information like name, birth date, social security number, employment information. You also show any co-borrower information here, and list your dependents. This form tells the bank how long you have been on your job, if your spouse works and how many people live in your home.
2. Hardship Letter-Affidavit of Hardship: A brief description of your current financial situation and what has happened to cause the current mortgage payment to become unaffordable. This is your opportunity to explain your circumstances to your bank and gain their empathy. There are 3 critical parts to an effective letter, make sure you cover them all-follow the helpful outline provided in Chapter 10 of the #1 resource guide, The Complete Loan Modification Guide.
3. Financial Statement: The most important part of your application, this form really determines whether you will qualify for a loan modification or not. This is where you detail your income, expenses, assets-a basic snapshot of your financial situation. It is critical to work on this before you call your lender. Why? Because you need time to make any adjustments to your monthly budget so that you can meet the debt ratio and disposable income requirements. Learn about how to prepare you budget correctly in the #1 book for homeowners, The Complete Loan Modification Guide.

Be sure you complete your loan modification forms correctly-you can learn the approval guidelines and then make any necessary adjustments to your own application so that you have the best chance of approval. The secret to success is to work on your application before you contact your bank so that you have the best chance of meeting the approval guidelines. Now is not the time to just throw something together and hope for the best. You don’t have to be an expert or have any experience-just spend a couple of hours learning the basics.

You can get the help you need to prepare your forms 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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Trying to get a National City Bank loan modification but finding it difficult to understand the guidelines and approval process?  Homeowners who are in the middle of applying for a loan workout, or who are wondering if they might qualify for a loan modification need to know a few important tips that will make the process easier to understand and give them the inside edge for quicker approval and mortgage relief.  Once you understand a few basic guidelines, you will be able to complete your paperwork so that it has a greater chance of approval and be on your way to a fresh start with your lender.

Here are 6 helpful tips that will work with any lender to help your loan modification application get approved:

1. You must know your lenders guidelines for loan modification approval.  Each lender has a formula that they use to arrive at an acceptable modified payment and your application must demonstrate that you can meet this criteria.  National City Bank is authorized to offer Obama’s plan, called Home Affordable Modification.  The federal stimulus plan, called Home Affordable Modification, has standard guidelines for everyone-so learn what these are and you are on your way to success.
2. Learn how to calculate your debt ratio so that you can figure out a monthly budget that implements your new modified payment and falls within your banks guidelines.  For example, the federal guideline is a new payment that equals 31% of your gross monthly income, so prepare your loan modification application so that the new payment equals 31% of your gross income to meet the banks qualifications.
3. Compose a compelling and convincing hardship letter that explains your situation to your lender.  This letter should detail the circumstances that caused the hardship, what steps have been taken to remedy the situation, and your commitment to sustained home ownership.  Keep it short-no more than 1-2 pages long.  Make sure you cover the 3 critical elements in an effective letter-you can use the Outline and Template provided in the best selling handbook, The Complete Loan Modification Guide.
4. Provide back up documentation for your hardship.  For example, if you had medical expenses, provide copies of the bills.  If you were laid off or had your hours cut at work, send a copy of the notice from your employer.  This will add credibility to your story.
5. Include copies of your 2 most recent paystubs to cover a 30 day period, along with your 2 most recent bank statements, Federal Tax Returns for the last 2 years and proof for any other source of income.  Follow an easy Document Checklist provided in Chapter 10 of the #1 resource for homeowners, The Complete Loan Modification Guide.
6. Submit a complete, accurate and acceptable loan modification application proposal to your lender.  You can follow a Document Checklist to make sure you have supplied everything required by the bank.  Missing paperwork will cause your application review to be delayed.

Borrowers who have some good, general knowledge of how the loan modification process works will be able to prepare a much more professional and acceptable application to their lender.  This will greatly increase the chance for a quick and beneficial loan workout offer.  The bank is flooded with thousands of requests, so a homeowner who takes the time to research, learn and prepare will most certainly be able to cut through the red tape and get the results they need sooner.  Application TIP:  Do NOT contact your lender until you have prepared your financial statements, determined your debt ratio and made any necessary adjustments to your forms.  This is critical if you hope to have a good chance of approval.

You can get the help you need to apply and qualify for a National City Bank 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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Confused about whether you can qualify for a Wells Fargo loan modification to lower your mortgage payment?  Homeowners facing financial difficulties may apply for a loan workout to lower their monthly loan payment to help them to stay in their home.  However, each applicant must complete a loan modification package that will be reviewed for eligibility by the lender.  One of the most important qualifications is called debt ratio-this is a percentage figure that Wells Fargo deems acceptable when calculating your new modified mortgage payment.  Learn what this figure is and how to calculate your own debt ratio to make sure you have a chance at loan modification approval.

Just what is debt ratio?  This is a figure that represents the amount of your gross monthly income that is spent each month on your housing expenses.  It is a simple math equation-total your monthly housing expenses (mortgage payment, property taxes, homeowners insurance, any homeowner dues) and divide that figure by your household gross (before taxes) monthly income.

What is an acceptable debt ratio?  The ratio can vary between programs, but for the federal stimulus plan, which the bank is offering, the target ratio is 31%.  A Wells Fargo loan modification can use a number of options to achieve a new mortgage payment that is affordable and meets the banks guidelines for approval.  This new modified payment is targeted to equal 31% of the homeowners gross monthly income.  This new lower payment can be accomplished by one or more of the following options:

1. Longer loan term up to 40 years
2. Reduction in interest rate-as low as 2%
3. Principal forbearance whereby a portion of the current loan balance is deferred interest free
4. In some instances, principal forgiveness

To help struggling borrowers apply for a Wells Fargo loan modification, the lender has increased its full-time home retention staff by 125% to almost 6,000 employees.  The bank plans to continue adding staff as the demand warrants.  These employees are trained to work with financial troubled borrowers to find a solution that is most appropriate to their circumstances.

Interested borrowers are encouraged to take the time to learn about how to meet the requirements for a Wells Fargo loan modification before contacting the bank.  Homeowners can pre-qualify themselves by learning how to calculate their own debt ratio, how to arrive at a target modified mortgage payment and how to complete the required loan modification forms properly.  Borrowers who submit a complete, accurate and acceptable package to the bank will have a better chance of getting the results the need and deserve.

President Obama is warning homeowners against paying any company or attorney for a loan modification.  Recent statistics are proving that borrowers who work directly with the bank have a much higher success rate.  The lenders do not want to speak with companies who have taken a fee from homeowners-a loan workout is free and can be done by the homeowner without paying anyone.  The secret to approval is to just know the basics-no experience or special knowledge is required.

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.

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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Homeowners seeking help with an unaffordable home mortgage have a second chance to keep their homes with the federal stimulus loan modification plan.  Close to 4 million are targeted with $75 billion in stimulus aid.  Chase promises a systematic review of its entire mortgage portfolio and aggressively offer loan workouts to those borrowers who qualify.

JP Chase Morgan, who also owns Washington Mutual and EMC will be participating in the Home Affordable Modification program by implementing proactive outreach efforts to borrowers who have loans with the three companies. The special features to this program include:

• Interest rates reduced to 2%
• loan terms extended to 40 years
• principal reduction or deferral

The bank has already helped over 250,000 borrowers with a Chase loan modification. The total foreclosure preventions are projected to exceed 650,000 loans representing $110 billion in mortgages. When Chase acquired Washington Mutual, they inherited a large portfolio of the risky Option Arm loans which have proved to have a high default rate. The decision was made to offer loan modifications that eliminate negative amortization and will be more affordable for borrowers over the long term.

Homeowners who are having difficulties paying their Chase, WaMu or EMC mortgages should apply for the new Chase loan modification program. If you can answer yes to these basic qualifications, you are a good candidate for help:

• live in the home as your primary residence
• loan originated before January 1, 2009
• loan amount less than $729,750
• Facing a financial hardship situation
• Current payment equals more than 31% of your gross monthly income

Interested borrowers should contact Chase and ask to be considered for the Home Affordable Modification Plan. The homeowner then needs to complete the application and provide the necessary documentation for final approval to obtain the new modified payment. During the review process, any foreclosure proceedings will be halted.

Not all borrowers will qualify, so it is important to learn about the guidelines and know how to complete the paperwork properly. If the paperwork is not completed properly, even the most deserving homeowner may be denied the loan modification help they need and deserve. It is important for homeowners to learn about the application process so they will have a better chance of approval for a Chase loan modification.

You can get the help you need to apply and qualify for a Chase 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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Homeowners facing delinquent mortgage payments or at risk of becoming delinquent, may be eligible for part of the $75 billion stimulus plan that President Obama has implemented to provide affordable home loans.  The program is called Home Affordable Modification and will seek to modify loans for homeowners who can meet certain approval guidelines.  If you need help to afford your mortgage, learn just what is required to apply and qualify for this aggressive loan modification plan.

The first step for an interested homeowner is to find out if you meet the basic criteria so that your application will be accepted.  Can you answer yes to:

1. Live in the home as your primary residence?
2. Loan originated prior to January 1, 2009?
3. Loan amount less than $729,750 for 1 unit properties
4. Current payment equals more than 31% of monthly gross income? (including property taxes, homeowners insurance and any homeowner dues)
5. Facing a financial hardship situation?

Once you pass this initial questionnaire, you will be asked to provide information about your income, expenses and assets.  The process involves completing a simple financial statement that details your income and your monthly bills.  You will be asked to provide:

• Proof of your income-paystubs, tax returns, award letters, rental agreements, etc.
• 2 months bank statements
• Hardship letter explaining your financial -Affidavit of Hardship
• Financial statement detailing your income and expenses

Of all this paperwork, the most critical is your financial statement.  This is really a snapshot that shows the lender if you are a good candidate for the Obama Federal Stimulus Loan Modification plan.  What is the bank looking for?  Basically, they need to verify that you fit within the program guidelines and will be able to afford and maintain the new modified payment.  The secret to get approved is to know how to prepare your financial statement, make any necessary adjustments to your budget to qualify and know how to compute your debt ratio to meet the 31% target payment.

Pay a Company?

You don’t want to miss out on this federally subsidized program because you did not understand how to prepare you application.  Take the time to learn the basics and your chances for approval will increase greatly.  Over 250,000 homeowners have already worked with their lenders to get a Home Affordable Modification.  If they did it, so can you!

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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Learn how!

When you apply for a modification with your lender, you will be asked to supply certain loan modification forms. All lenders require the same basic information from a homeowner and this information is reviewed to determine your eligibility. Here is a list of the basic forms and just what is required on each one.

1. Borrowers Statement: This is your basic information like name, birth date, social security number, employment information. You also show any co-borrower information here, and list your dependents. This form tells the bank how long you have been on your job, if your spouse works and how many people live in your home.  Find this form in Chapter 10 of the best selling handbook for homeowners, The Complete Loan Modification Guide.
2. Hardship Letter-Affidavit of Hardship: A brief description of your current financial situation and what has happened to cause the current mortgage payment to become unaffordable. This is your opportunity to explain your circumstances to your bank and gain their empathy. There are 3 critical parts to an effective letter, make sure you cover them all.  get more information on this in Chapter 2 of The Complete Loan Modification Guide.
3. Financial Statement: The most important part of your application, this form really determines whether you will qualify for a loan modification or not. This is where you detail your income, expenses, assets-a basic snapshot of your financial situation. It is critical to work on this before you call your lender. Why? Because you need time to make any adjustments to your monthly budget so that you can meet the debt ratio and disposable income requirements. Learn about how to prepare you budget correctly in a handbook for homeowners.

These loan modification forms are available on many of the lenders websites, or you can use generic forms provided in the #1 resource for homeowners, The Complete Loan Modification Guide. The secret to success is to work on your application before you contact your bank so that you have the best chance of meeting the approval guidelines. Now is not the time to just throw something together and hope for the best. You don’t have to be an expert or have any experience-just spend a couple of hours learning the basics.

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. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. 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. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com