Know the Guidelines

Homeowners who want to apply for a loan modification under HAMP can greatly improve their chances of qualifying by using a software program that actually mimics the federal guidelines.  Since the federal loan workout plan uses a standard formula for determining which borrowers will qualify, it is important for homeowners to prepare their application so that it fits within the approval guidelines.

The HAMP loan modification software program is designed to make it easier for borrowers to figure out if their financial statement will pass through the qualifying process.  There are 7 triggers for HAMP that an applicant must pass.  The Loan Mod Quick App software program will figure these for you automatically:

1. Loan to Value Ratio- the difference between what you owe on your home and what it’s current market value is
2. Current Debt to income Ratio (DTI): this is the percentage of your income that is being spend currently on your housing expenses-you must pass this critical trigger in order to be eligible
3. Asset Ratio- How much money do you have in the bank in liquid reserves?  Too much and you fail!
4. DCR- Debt Coverage Ratio is showing the lender that you are at imminent risk of default and need a loan workout now!
5. Current Cash Flow-this shows the bank whether you have enough money each month to pay your bills-if you have alot of money left over each month then you may not qualify
6. New Target Payment-the Loan Mod Quick App shows you immediately what your new monthly mortgage payment could be under HAMP.  This new payment is figured off your gross income-learn if your new modified payment will be affordable for you.
7. Waterfall Method of Modification-see what your new interest rate, term or loan amount will be under the HAMP formula.

Download immediately!

While the HAMP process may seem complicated, when you use the loan modification software program you will be able to take all the guess workout out of your application.  Just imagine how many hours you can save when all you need to do is input your income and expenses, and instantly all the figures are displayed for you.  You can then use this valuable information to make any necessary adjustments to your financial statement and application before you submit it to your lender.

The Loan Mod Quick App software program can definitely be the inside edge you need to have the best chance of qualifying for HAMP or other loan workout plans with your bank.  You do not have to just “take a shot” at applying-you can be sure that your figures are accurate and meet the guidelines with this easy-to-use software program.

Not sure how to qualify for a loan modification?  Loan Mod Quick App software takes the confusion out of preparing your application.  This helpful tool takes the guesswork out of qualifying by figuring your debt ratio, target payment and other important calculations for you.  Why take chances with your application?  Simply input your unique financial information into the Loan Mod Quick App and it calculates it all for you!  You can save hours of time and avoid costly mistakes.  The Complete Loan Modification Guide kit is the best selling do-it-yourself system that includes the software, handbook, forms and much more. Visit myloanmodificationcenter.com and order today-Immediate download!

An Indymac loan modification may be the solution for converting your high mortgage payments into low affordable terms so that you can stay in your home comfortably.  But just how does this loan workout program work?  Who qualifies and what is the best way to apply?

Indymac Loan Modification Process Details:

1. Designed only for borrowers who live in the property-not rental or second homes
2. You must be able to prove that you are facing a financial hardship situation-this could be due to loss of income, medical reasons, marital issues, high credit card debts, etc.
3. Your Indymac loan should have been taken out before January 1, 2009 and the balance is less than $729,750
4. The current mortgage expenses-including taxes, insurance and any HOA dues must exceed 31% of your gross household monthly income

Learn how to fill them out correctly

Ok,  so that is the basic application criteria for an Indymac loan modification, but just how to you apply correctly and most importantly make certain that you have the best chance of approval?

1. Contact Indymac and ask to apply for HAMP-Home Affordable Modification Program
2. Take a short telephone interview to determine if you meet the basic eligibility (detailed above), then you will be sent an application package in the mail
3. You must prepare a short 3 page application that includes a financial statements detailing your income and expenses.
4. You will sign a 4506T form, a hardship affidavit and write a brief explanation of your current situation, and provide proof of your income-paychecks or Profit  & Loss for self employed borrowers
5. Mail this all back for review and final determination of qualification
6. When your are approved, you then begin a trial loan modification for 3 months before loan mod becomes permanent

What is the secret to being sure you have a good chance of Indymac loan modification approval?  Simple-it’s your financial statement-this must prove that you fit into the guidelines.  This means that your current income and expenses have been filled out so that they fit into a 4 step formula that includes your debt ratio, new target payment, disposable income and more.

Does all the calculations for you!

This may sound confusing, but if you need help you may want to use a software program that is designed specifically to help homeowners complete their application correctly.  Just put in your income and expenses, and all the calculations are done for you immediately.  You can see if you need to make some adjustments to your budget in order to fit into the guidelines.

This is critical information to know when applying for your Indymac loan modification.  The lender will not tell you this information, but as long as you meet the triggers for approval on your financial statement, you will have a much better chance of success.

Not sure how to qualify for a loan modification?  Loan Mod Quick App software takes the confusion out of preparing your application.  This helpful tool takes the guesswork out of qualifying by figuring your debt ratio, target payment and other important calculations for you.  Why take chances with your application?  Simply input your unique financial information into the

Download immediately!

Loan Mod Quick App and it calculates it all for you!  You can save hours of time and avoid costly mistakes.  The Complete Loan Modification Guide kit is the best selling do-it-yourself system that includes the software, handbook, forms and much more. Visit myloanmodificationcenter.com and order today-Immediate do

Know the Guidelines

Homeowners who wish to apply for a Chase Loan Modification and take advantage of the HAMP program, need to learn the very important formula used to determine who will qualify.  This formula has been implemented by the lender in accordance with the HAMP guidelines and is used on every loan mod application.  Here is the debt ratio formula that you need to know before you prepare your paperwork.

HAMP Debt Ratio Calculation Formula:

1. Loan will be modified using a new target payment that equals 31% of the household gross income.
2. Standard methods of modifying will be used to reach the target payment-reduce rate to as low as 2%, extend term to 40 years or forgive/defer some principal balance
3. Take total household gross income and multiply by 31%= total equals new Target Payment
4. Subtract the monthly amount for property taxes, homeowners insurance and any HOA dues.  The remaining amount equals the principal and interest part of the new target payment.
5. If this target payment can be reached using the standard methods of modifying, then you are a good candidate.

A Chase loan modification under HAMP will provide a very affordable mortgage payment and will give you a fresh start with the lender.  Any foreclosure activity will stop, and you will be able to stay in your home under the new loan terms.

The debt ratio calculation is standard for everyone under the government HAMP plan, so if you learn this basic formula and use it to prepare your application you will have a much better chance of approval on your Chase Loan Modification.

Although the formula is fairly simple, if you feel like you would like help you can use a software program that will do all the calculations for you and show you the results immediately.  Just put in your income and debts and you will see what your new target payment could be, and if you pass on the triggers for approval.  But most importantly, you can adjust your figures so that you pass before the lender has a chance to turn you down.

Does all the calculations for you!

Let’s face it, most homeowners are willing to adjust their budgets if it means that they can get a great Chase loan modification and keep their home.  However, it’s hard to know just how much you need to adjust-that’s where the software program can help you avoid mistakes.

Not sure how to qualify for a loan modification?  Loan Mod Quick App software takes the confusion out of preparing your application.  This helpful tool takes the guesswork out of qualifying by figuring your debt ratio, target payment and other important calculations for you.  Why take chances with your application?  Simply input your unique financial information into the Loan Mod Quick App and it calculates it all for you!  You can save hours of time and avoid costly mistakes.  The Complete Loan Modification Guide kit is the best selling do-it-yourself system that includes the software, handbook, forms and much more. Visit myloanmodificationcenter.com and order today-Immediate download!

Homeowners who can no longer afford their monthly mortgage payment may be able to qualify for a Chase loan modification under HAMP-a government assistance program.  The Treasury Department is funding a loan workout program designed to offer relief to borrowers who are facing financial hardship and help them to avoid foreclosure by providing lower monthly mortgage payments.

A Chase loan modification under HAMP is available to borrowers who meet the approval guidelines that are directed by the federal program.  There are 5 basic eligibility triggers that must be met in order to apply for this loan workout plan:

1. Must live in the home as the primary residence
2. Loan taken out before January 1, 2009
3. Loan amount $729,750 or less
4. Current monthly mortgage payment equals more than 31% of monthly gross income
5. Facing a financial hardship situation

Once a borrower passes this initial screening, they will be asked to complete an application that includes a detailed accounting of their monthly income and expenses.  This information will be reviewed and if the borrower’s debt ratio, asset ratio and other calculations are correct, they may be offered an interest rate as low as 2% and a new lower mortgage payment.

A Chase loan modification under the government plan HAMP could be the answer for many struggling borrowers looking for a solution to their unaffordable loan.  Although not all homeowners will qualify, the chances of approval can be greatly increased by preparing the application and financial statement correctly.

Not sure how to qualify for a loan modification?  Loan Mod Quick App software takes the confusion out of preparing your application.  This helpful tool takes the guesswork out of qualifying by figuring your debt ratio, target payment and other important calculations for you.  Why take chances with your application?  Simply input your unique financial information into the Loan Mod Quick App and it calculates it all for you!  You can save hours of time and avoid costly mistakes.  The Complete Loan Modification Guide kit is the best selling do-it-yourself system that includes the software, handbook, forms and much more. Visit myloanmodificationcenter.com and order today-Immediate download!

Federal Plan

Homeowners trying to get a Bank of America mortgage modification will have the opportunity to apply for the HAMP option as well as other programs that will lower their monthly payment.  Anyone can apply for a loan modification, but only those borrowers who can meet the approval guidelines will be approved for a more affordable payment.  Learn those approval guidelines and know the basic procedure and you will greatly increase your chance of success.

Bank of America Loan Modification Guidelines:

1. Borrower is facing a financial hardship situation
2. Home is the primary residence
3. Homeowner can prove their income with check stubs, bank statements, tax returns, etc.
4. Mortgage can be modified using standard methods-interest rate reduction, longer term, principal reduction-to reach an affordable target payment

Bank of America Loan Modification Procedures:

1. Homeowner contacts bank and asks for consideration for HAMP or other loan workout program
2. Borrower completes an application including a financial statement, hardship letter affidavit and proof of income
3. Upon receipt of application package, lender reviews it and notifies borrower of any missing documentation within 10 days.
4. Within 30 calendar days of receiving all requested documents, Bank of America will notify the homeowners of either acceptance or denial.
5. If accepted, homeowner begins 3 month trial modification and upon completion of that, modification is made permanent.

Obviously, the secret to getting your Bank of America loan modification is to prepare and submit an accurate and acceptable application.  This may seem difficult or intimidating  if you have never done it before, but it is really a mathematical equation that determines who qualifies.  So you can use a software program that will do all the critical calculations for you automatically.  You will be able to see immediately if you fit the guidelines or if you need to make some adjustments to your financial statement before you submit it.

Download immediately!

Not sure how to qualify for a loan modification? Loan Mod Quick App software takes the confusion out of preparing your application. This helpful tool takes the guesswork out of qualifying by figuring your debt ratio, target payment and other important calculations for you. Why take chances with your application? Simply input your unique financial information into the Loan Mod Quick App and it calculates it all for you! You can save hours of time and avoid costly mistakes. The Complete Loan Modification Guide kit is the best selling do-it-yourself system that includes the software, handbook, forms and much more. Visit myloanmodificationcenter.com and order today-Immediate download!

Federal Plan

There is some real assistance being given to homeowners who meet the requirements for a Wachovia loan modification and understand how to prepare their application correctly.  The lender has really stepped up the number of modification being offered, and thousands of borrowers who were at foreclosures door have been able to stay in their home.  The Fed has actually set up standard guidelines and a streamlined process-the secret to success is to learn this process and then work diligently with the bank until you receive your loan workout.  Here are some important things to know:

1.  Take the time to learn the 4 step formula that Wachovia will use to determine if you meet the approval guidelines.  It is not difficult to follow these same steps when you complete your own application-it just makes sense if you want to get approved, know what the bank is looking for and then fine tune your application ahead of time.

2.  Be prepared before you call Wachovia to begin the application process.  Don’t call in and start disclosing your financial information until you have worked on your financial statement and made sure that your figures are accurate and acceptable.  You can do this by following the step by step directions in the best selling handbook for homeowners, The Complete Loan Modification Guide Kit and using the software program that mimics the Federal guidelines for HAMP.  It’s simple-just input your financial information and the computer tells you where you might need to adjust your budget.  This is a critical step to success.

3.  Provide Wachovia with all of the documentation they will need for a loan modification approval.  This means that you should gather your paycheck stubs, tax returns, W2′s and bank statements so that you will have a complete package the first time.  So many delays are caused by missing documents-but this is something that you can and should be careful about.  Many homeowners are actually getting a trial loan modification within 3 weeks because they are following the directions in The Complete Loan Modification Guide and using the Loan Mod Quick App software.

4.  Keep careful records of all of your correspondence, telephone calls, faxes and anything else you do while working on your Wachovia loan modification.  Use the Contact Log and remember that you are building your case with the bank for a loan workout.  Write everything down with the time, date, person your spoke with, etc.  This can be the difference when it comes to finalizing your loan workout.

5.  Once you get your trial period modification, you will have to make at least 3 payments on time before your loan workout will become final.  This is critical as no delinquencies are allowed!  You will also be asked to provide updated financial information just to verify that your circumstances have not changed since the trial began.  Again, keep all of your correspondence and documents organized so you will be able to provide everything Wachovia is going to need.

The trial period is your chance to show the lender that you are able to afford the new modified loan payment and gives the bank confidence that you will not have a problem in the future with your mortgage payment.  If you miss a payment, you are out of the program and cannot re-apply.  Make sure you have made whatever changes to your budget so that you will be able to get a permanent Wachovia loan modification and be able to stay in your home for many years to come.

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 Kit. You can do it yourself with this 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 get all the required forms, and an easy to use Loan Mod Quick App software program that actually computes your budget and tells you where you may need to make adjustments so that you have the best chance of approval.

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. Don’t waste time and money, this kit makes it easy to prepare your application! Order The Complete Loan Modification Guide Kit now. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com

Pay a Company?

Yeah, you have probably read stories in the papers and heard news reports about the Feds and District Attorneys shutting down so called home rescue companies-firms that were raking in the big bucks and leaving homeowners high and dry.  It’s a sad fact that there are always people who will take advantage of a vulnerable human and do not have any qualms about taking someone’s last dollar and doing nothing to help that person.  I have always been an advocate for the eduction and protection of homeowners-and now that the statistics are proving me right-more homeowners are getting loan modifications themselves than these companies and attorneys-I can say “told you so”.

But if you don’t feel comfortable working directly with your lender, and you confused about whether you should pay one of the many  companies and attorneys to represent you for a loan work out with your lender-read on. Wondering if a do it yourself loan modification is an option? It is confusing for frantic homeowners who are desperately seeking a solution to stay in their homes. How can you decide if paying a loan modification company is worth the extra money you must pay? Here is some good information about the differences between working directly with your lender or hiring a company to represent you.

Beware of loan modification companies & attorneys: This is a pretty stressful and emotional time for homeowners facing default, so turning all this over to someone else is tempting. The trade off is that you are paying thousands of dollars to someone you probably know very little about. The fact is that loan modification is a relatively new option, and not many companies have a lot of experience. In addition, many firms are not properly licensed and in compliance with local laws. So, make sure you completely check out anyone you are considering doing business with. Some borrowers have paid thousands of dollars and then never heard from the company again. Do your homework to avoid being taken advantage of.  The news reports are full of stories about homeowners being ripped off by unscrupulous firms just looking for a quick buck.  Most of the time, every homeowner is told they are a good candidate-even if they are not-just to try to get a large fee out of the deal.

Benefits of hiring a  company: That being said, there are some good companies out there who can offer a service to borrowers needing a loan modification. What that service consists of is mainly processing, following up and negotiating for a final loan workout on your behalf. You still have to provide all of your income and banking documentation, and complete the loan modification forms. The loan modification company will speak with your lender on your behalf to move your file through the process, and ideally be able to get better loan workout terms because they know what to ask for. For this service, you are paying anywhere from $2000 to $10,000.

Some attorneys offer loan modification representation, but since they are actually on retainer, their fees are usually higher. Keep in mind that their is no guarantee of the outcome. Unfortunately, many times an attorney never touches your file-a processor is actually handling all of the paperwork and contacts the bank.  When do you need an attorney to represent you? Well, the vast majority of loan modifications do not require the expertise of a lawyer, especially with the new government subsidies encouraging banks to offer loan workouts to borrowers. However, if your situation is complicated or you feel you were a victim of predatory lending or abuse, an attorney may be able to get better results for you. Just be prepared to pay a lot for those services-and understand that the process will be much more drawn out once an attorney gets involved.

It is tempting to turn this problem over to someone else and hope it will get solved-but many homeowners have been able to work directly with their bank and obtain a do it yourself loan modification-for free! It is getting easier everyday for borrowers to work with their banks to find a home retention solution. The new Homeowner Affordability and Stability Plan actually pays your lender to offer you a loan modification!   Recent statistics prove that homeowners who work directly with their lender have a HIGHER success rate than companies or attorneys!

• Think about it-if you had the loan modification forms, could follow simple instructions for completing them properly, had a checklist of everything you had to submit, knew your options and your banks guidelines for approval-don’t you think you could work effectively with your bank directly? Most borrowers can be successful with their own loan workout as long as they are informed and prepared. If you don’t have an extra few thousand dollars lying around, it’s certainly something to consider!

I have written the #1 resource guide for homeowners who need a loan modification-it is easy to understand, simple to follow and best of all-CHEAP!  It took me over 18 months to compile, and prepare all of the most up to date and helpful information so that the average borrower could successfully modify their own loan.  Guess what?  It’s paying off because everyday I hear from borrowers who are getting great loan workouts and saving their home.

You can do it yourself-you just need to learn the basics of the loan modification process, be persistent and not give up.  Help is available for homeowners who know how to get it.  Now that the Feds are paying banks to modify loans, it is easier than ever to do it yourself and get quick results.  President Obama has warned homeowners against hiring any companies to represent them.

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

If you are wondering if you qualify for a federal loan workout program with your lender Saxon Mortgage, you need to know the 5 things you can do to get a quicker approval on your loan modification application. You do have some control over whether your proposal will get approved-the secret is all in how you prepare your loan modification application. Here are 5 things you can do to help you get the results you want quickly:

1. Learn about the federal guidelines for approval before you fill out your loan modification application. It’s common sense, you will have a better chance of meeting the approval guidelines if you know what they are! Every program has certain criteria that must be met for approval-take the time to learn what you bank needs to see so you can be prepared. Learn how to compute your own debt ratio and find your new target mortgage payment.

2. Write a convincing, compelling and acceptable Hardship letter that really gets your lender to empathize with your situation. Only homeowners who can show convincingly that they are suffering a financial hardship will be eligible for a loan modification. Do you know the 3 critical elements of a successful hardship letter?

3. If possible, backup your hardship story with proof. For example, if you have large medical expenses, make copies of the bills. If you were laid off or had your hours reduced, copies of letters from your employer. This hard evidence will add credibility to your story and help convince your lender that your current situation is not your fault.

4. Be certain you do not omit any income, assets or debts on your loan modification forms. This is a full disclosure process and your bank will verify everything you provide to them. If you leave out information, your file will be set aside and your answer delayed. If you misrepresent something and the bank discovers it, then your application could be denied. Do you know all the documentation your lender will need to see from you?

5. Take the time to submit a complete, legible and accurate Saxon loan modification application the first time. This means that you have followed a checklist and made sure that your lender has everything they need to approve your proposal the first time. You can prepare a professional and acceptable loan workout proposal when you have simple step by step directions to follow.

Federal Plan

The new Obama government programs are making a loan modification easy to get for millions of need American homeowners. $75 billion dollars has been set aside to help borrowers just like you avoid foreclosure and stay in their home. Saxon is participating in the federal Home Affordable Modification Program.  This means that your lender will now get paid to give you a loan modification! That is a big incentive for them to help you quickly. Make sure that you take the time to learn and prepare before you contact your lender to apply-this is your chance to get the help you need and deserve-don’t miss out!

You can get the help you need to apply and qualify for a Saxon 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

Losing sleep and stressed out by the thought of losing your home? There is another option-you don’t have to give up your home and ruin your credit-there is hope for financially strapped borrowers with President Obama’s stimulus program.  The federal government is paying lenders to modify home loans for borrowers who are at risk of foreclosure.  This could be the help you need to stay in your home.

This loan modification program is called Home Affordable Modification and is being paid for by the Treasury Department with $75 billion in stimulus funds.  These are your tax dollars, so don’t hesitate to apply for assistance.  President Obama is reaching out to over 5 million homeowners and encouraging them to apply with their lenders for a loan workout using this very aggressive program.  Even if you have been turned down by your bank before, you are allowed to re-apply.  During this review process, all foreclosure and collection proceedings will be halted.

Federal Plan

How does this Home Affordable Modification Plan work and who will qualify?  The government program has standard qualifications for everyone-this makes it much easier to apply because there is no more guess work.  If you can meet the stand guidelines then you have a very good chance of approval.  The secret to success is to learn the approval formula your bank will use and then adjust your application forms so that they fit into that formula.  This may mean making some adjustments to your household budget, but if trimming expenses will save your home, it is worth making some minor adjustments, right?

Obama’s loan modification plan calls for new loan terms that will lower your monthly mortgage payment so that it equals just 31% of your monthly gross income.  This includes principal, interest, taxes and insurance.  You can use the very same formula the federal government has required your lender to use to determine your own new modified payment, so you know ahead of time how to complete your forms and qualify for assistance.  Take a couple of hours to learn and prepare and you could be on your way to secure home ownership once again.  Don’t wait, get started today-this plan is only available for a limited time.

You can get the help you need to apply and qualify for a government 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. 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.

Home Edition Loan Modification Kit with Customer Assist

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