Use Calculator

If you knew ahead of time just how much monthly income, monthly expenses and assets you need in order to qualify for a HAMP loan modification your chances of approval would be much higher.  Instead of just guessing at whether your financial statement will pass the strict approval guidelines, you can “cheat” the system and use the HAMP Calculator to automatically compute and display your budget requirements.  But, is it really cheating to know the approval formula used by the banks and then use it yourself to fine tune your financial worksheet information?

Keep in mind that the standard approval formula is mandated by the Treasury Department for use on EVERY HAMP application-but don’t expect your lender to

Budget Requirements Displayed

share this information with you.  For some reason, they make you struggle and try to figure out just what is required on your own-which really does not seem fair or even necessary.  Most borrowers would gladly adjust their monthly budget in any way needed if they new that it would mean they could qualify for a loan workout.  The HAMP loan mod calculator was designed specifically to help homeowners with this process-and provide you with your own income, expense and asset requirements so that you can prepare and submit your application correctly.  Once you know what adjustments to make on your figures, you can prepare your HAMP application so that it proves you fit perfectly into the guidelines for acceptance.

The HAMP calculator is easy to use-but it is powerful!  This loan mod calculator mimics the 7 triggers for approval, and instantly computes and displays your very own budget for you.  A PASS or FAIL will be displayed, showing just where and how to fine tune your figures.  The goal is to PASS all the triggers, and the Loan Mod Calculator shows you how to do this.  You may find out that you need a bit more income to qualify for a HAMP workout, or maybe your expenses are too high.  This is important information that you need to know ahead of time!

It’s not cheating to use the HAMP Calculator-it is just smart to use the one tool that can give you the important information you need to know-don’t let anything stop you from doing whatever it takes to save your home.  Remember, you must pass the standard approval formula if you hope to be approved-and this means that you need to know exactly how to report your income, expenses and assets.

Success!

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Income Required

What are the specific income requirements for a Wells Fargo loan modification approval?  This is a tricky question because it varies from borrower to borrower-but the good news is that you can find out ahead of time exactly how much income you need on your own application.  Once you know this information, you will be able to make any needed adjustments to your budget ahead of time, and this will greatly increase the chances of approval.

Wells Fargo uses a standard formula for every borrower who applies for a loan modification-this formula includes:

1. Gross household monthly income
2. Current mortgage payment and loan balance
3. Liquid Assets
4. Cash flow

The information that you provide on the financial worksheet will be used in this formula, so it is critical that all of your figures fit right into the

Budget Requirements Computed

guidelines if you hope to get a loan mod approval.  Sometimes, just by adjusting your income a little bit you may be able to qualify, but if you don’t know this then you will not be able to fine tune your figures ahead of time.

The fastest and easiest way to learn the exact and specific income requirements for your own Wells Fargo loan modification is to run your figures through the loan modification calculator.  This easy to use system will automatically calculate your own specific income requirements, and show you a pass or fail for the approval formula.  You can then make adjustments to your figures until you see a PASS on the loan mod calculator.  Then use these final figures on your application paperwork and submit to Wells Fargo for review.

Understanding the specific income requirements for Wells Fargo loan modification approval is one of 7 approval triggers you need to pass-this can be tricky to figure out by yourself-if not impossible.  So, when you use the loan mod calculator you avoid mistakes, and you can see immediately just where you need to adjust your financial worksheet figures to pass all the guidelines.

Avoid Mistakes

LOAN MODIFICATION CALCULATOR COMPUTES & DISPLAYS:

1. Debt Ratio
2. Loan To Value
3. Asset Ratio
4. Imminent Risk of Default
5. Pre-Mod Cash Flow
6. Waterfall Method of Modification-new loan terms
7. Post Mod Cash Flow

Getting approved for a Wells Fargo loan modification requires proving to the bank that you are the perfect candidate-this is done by submitting your RMA form and financial worksheet correctly.  When you know the specific figures the bank needs to see, then you will be able to fine tune your budget and have the best chance of approval.

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Complete Loan Modification Guide kit and Loan Mod Quick APP calculator.  You get the real answers and specific information you need-the loan mod calculator will automatically compute and display your own budget requirements-allowing you to prepare your forms correctly.  Visit MyLoanModificationCenter.com today.

Approval Tips

There’s one way to increase your chances of getting a Wells Fargo Loan Modification-think like the bank does!  What does this mean?  Well. once you understand where the bank is coming from and what they need to see from you in order to approve your loan mod then you will be a step ahead of the process and be able to show them exactly what they need to see.

What does Wells Fargo want to see on your loan modification application?  It’s all about your monthly budget worksheet-they need to see that your household monthly income, monthly expenses and assets all fit right into the approval formula.  Basically, you need to prove in black and white on your application that your specific financial situation meets the guidelines-this is harder than it sounds!

Perfect Application!

What is the Wells Fargo loan modification approval requirements?  It is important to remember that the bank uses a standard mathematical formula on every homeowner that utilizes the federal guidelines for:

1. Monthly Gross Income
2. Assets-liquid reserves
3. Debt Ratio
4. Cash flow
5. Waterfall Method of Modification

Unless you show just the right figures on your Wells Fargo loan modification monthly budget worksheet-you will be turned down.  Too

Income,expenses Calculated

much or too little income is a very common mistake-you can find out ahead of time what the requirements are by running your figures through the loan modification calculator.  You will see instantly if you are passing or failing and where to make the necessary adjustments before submitting.

Getting approved for a Wells Fargo loan modification is not a matter of luck or chance-it is really a matter of simple math.  But unless you know the formula used by the bank it is very difficult to figure out exactly how to prepare your application correctly.   It’s no wonder that less than 25% of all borrowers end up getting a loan mod-it takes some preparation and information in order to increase your chances of approval.

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you with everything you need to  know-the loan modification calculator automatically generates a sample monthly budget showing you income, expenses and asset requirements.  Avoid mistakes and get it right-visit MyLoanModificationCenter.com today for more information.

Be Careful!

Be very careful when you prepare your RMA form-this Wells Fargo loan modification application is tricky-it looks simple but your entire loan mod could be riding on how you complete it!  Most homeowners have no idea what the bank is looking for, and do not understand that the decision to offer a loan workout is based on simple math-either you pass the formula or you don’t.

What is the Wells Fargo loan modification formula for approval? The information that you provide on the RMA form detailing your monthly income, monthly expenses and assets is all put through a standard formula that the bank uses on each and every application.  That is why it is so critical to know ahead of time just how to correctly prepare this form.

HOW TO FILL OUT THE WELLS FARGO LOAN MODIFICATION RMA FORM

1. The first page is fairly simple-it is your personal information, name and date of birth, social security #, etc.  There is also an area on the bottom called the Hardship Affidavit that gives you 4 choices that describe your financial situation.  You can choose the most appropriate your write your own explanation.  TIP:  keep it short, the bank does not have time to read pages and pages-all they really want to know the basic set of circumstances.
2. The second page of the RMA if the really important part-this is where you need to break down your household budget.  The gross monthly income, monthly expenses and assets need to be
   

   Income,expenses Calculated

   itemized-but be careful!  If you show too much income or too little income you will not qualify.  This is just like loan underwriting-you must pass or you will be denied!  You can verify your own budget ahead of time by using the powerful Loan Modification Calculator.  The results will display automatically, and show you passing or failing and where you need to adjust your figures before you submit for review.

3. Your assets must also pass the Wells Fargo loan modification guidelines-if you have too much in liquid assets then you will not be deemed in a hardship situation-careful, because it’s less than you think!

The #1 reason for denial is due to the RMA form-even the most deserving homeowner will be turned down immediately if they do not show the right amount of income, expenses and assets.  It’s not emotional to the bank-it’s just math-so don’t just guess or take a shot at it.  Take the time, use the resources and give yourself the very best chance of approval.

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Loan Modification Guide kit and Loan Mod Quick APP calculator give you the inside formula-income, expense and asset requirements are automatically figured for you-then use this information to prepare your RMA form correctly.  Visit MyLoanModificationCenter.com today for more information and get started right away.

RMA Questions?

OK- here’s the 64 million dollar question-do you know how to prepare your RMA form so that your loan modification application gets approved?  Well, unless you know and understand how the mathematical approval formula the bank uses works, the answer to that question would have to be NO! What mathematical formula is that?  Just the one that the bank uses on each and every application they review-including yours!

It’s no surprise that so few homeowners get accepted for a Bank of America loan modification-especially when most borrowers quickly complete the RMA form before ever understanding just what the bank is looking to see on it.  Here is the most important thing you need to know-it’s all about the math!  It’s not how deserving you are or how bad your financial situation it-it’s about proving that you fit right into the mathematical approval formula. How do you do that exactly?  Well, you prepare your RMA form with the right amount of monthly income, monthly expenses and assets so that you are the perfect loan mod candidate.

Here are some important tips for understanding the application

Application Tips

requirements for the Bank of America RMA loan modification form:

1. The first page is easy enough-your basic information is required such as date of birth, social security number, mailing address, loan information.  At the bottom is the Hardship Affidavit-there are 4 boxes to choose from-loss of income, increased expenses, lack of reserves, excessive monthly debts.  You can also write a brief explanation of what has happened on a separate sheet of paper-just be sure to put your loan # on it and sign it when you attach it to the RMA form.
2. The second page is the meat & potatoes of the whole application-this is where you must prepare your financial worksheet for the bank’s review.  They need to see your household gross monthly income, your monthly expenses (groceries, car payments, utilities, etc) and your assets (bank accounts, other property).  Sounds simple enough, BUT if you put down too much or too little income-instant denial.  If your expenses are not acceptable-instant denial!  Too much in the bank-instant denial.  Sounds a bit more complicated now, right?
3. The only way to pass the standard approval formula is to know just how much income, expenses and assets to show on your financial worksheet.  If you know this ahead of time, you will  have the chance to
   

   See how much Income you need

   make the necessary adjustments before Bank of America reviews your RMA.  You can verify your own figures by running them through the loan modification calculator-the results will display instantly showing you where you need to fine tune your figures.  This is critical information that you need in order to have a good shot at fitting right into the approval formula.

4. Remember, anything you put down on the RMA must be able to be proved-bank statements, paycheck stubs, rental receipts can be required to verify income.

Don’t take chances with your RMA form when applying for a Bank of America loan modification-take the time to learn and prepare ahead of time so that you have a good shot at success.  No matter how deserving you are, if you don’t pass the math you will not be approved.

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need-the loan mod calculator automatically figures and displays your specific income, expense and asset requirements-allowing you to fine tune your budget correctly before you submit it for review.  Get started today-visit MyLoanModificationCenter.com.

Confused about the debt ratio requirements for a Wells Fargo loan modification?  Don’t feel bad-you’re not alone because most borrowers do not understand how this calculation works or how it affects their chances of loan mod approval.  Here is some helpful information that you need to know before you submit your own application forms.

Debt Ratio Calculation

WELLS FARGO LOAN MODIFICATION DEBT RATIO REQUIREMENT

1. First of all, debt ratio is defined as a calculation that demonstrates the percentage of gross monthly income that is spent on housing-meaning how much of your income goes to your house payment, property taxes, insurance and HOA dues each month.  This information is derived from the information you supply on your financial worksheet.
2. The bank wants to see that your current debt ratio exceeds 31% in order to pass the requirements for HAMP-the government loan mod program.  This means that more than 31% of your GROSS income is going towards your housing expenses.
3. If your pass this first trigger for Wells Fargo  loan modification approval, then the bank will check your financial worksheet for the total debt ratio-this means all of your other bills combined with your housing expenses.  There is no cap on this figure, but if it is over 55% you may be asked to attend credit counseling as a condition of loan mod approval.
4. The goal of the loan workout is to give you an affordable lower mortgage payment that will equal just 31% of the household gross monthly income-this must be reached by lowering the interest rate to 2%, extending the loan term to 40 years or in some cases reducing the principal balance.  If your monthly income is too high or too low, you
   

   Debt Ratio & 7 Approval Triggers Shown

   will not pass and you will be denied.  You can run your own monthly budget through the loan modification calculator to verify that your figures are acceptable-if not, then make the necessary adjustments before you submit for review.

Your debt ratio is only one of the Wells Fargo loan modification requirements for approval-there are 7 triggers that must be passed in order to qualify for a lower mortgage payment.  The process can be confusing for borrowers, but since the formula is just math, you can actually learn how to use it yourself and have the inside information you need to get approved.  Don’t just guess at what it takes to qualify, use the loan mod calculator to find out how to prepare your financial worksheet correctly for the best chances of approval.

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APP calculator to help you prepare your Wells Fargo financial worksheet correctly.  It automatically displays the debt ratio requirements, monthly income, expenses and assets you need to show-allowing you to fine tune your budget before you submit it for final review.  Visit MyLoanModificationCenter.com for more information and get started today.

HAMP Qualifications

Learn what it takes to qualify for a HAMP loan modification-what are the program qualifications?  There is a secret to actually getting approved for a government loan mod-and if you don’t understand the approval formula banks use under this plan your chances of success are slim.  It’s no wonder that less than 25% of applications get approved-here is some valuable information to help you apply correctly.

HAMP PROGRAM QUALIFICATIONS

1. The federal government has set up standard guidelines that lenders must follow-learn these and you will be able to know ahead of time just what your bank is looking for.  Number one criteria-you must live in the home as your primary residence.  Rental homes, second homes are not eligible under this plan.
2. You do not have to be delinquent on your payments to apply, however you must be at risk of Imminent Default.  What does this mean?  Your income, expenses and bank balances must all fit into a formula that proves if you do not receive help you will soon become delinquent.
3. The HAMP loan modification approval formula is a mathematical equation that uses the homeowners: gross monthly income, monthly expenses, assets, current mortgage balance and payment.  If your monthly income is too high or too low it will not qualify you for approval.  Your expenses and assets must also fit the
   

   7 Approval Triggers Shown

   formula.  It is recommended to run your own monthly budget through the Loan Modification Calculator first to be certain you are passing-and make any adjustment prior to submitting for review.

4. Your current loan must be able to be modified using the Waterfall Method of Modification-lower the interest rate to 2%, extend the loan term to 40 years or lower the principal balance to reach a new target payment of 31% of the gross income.  If your income is too high or too low it will not pass the Waterfall-be sure you know ahead of time how to fine tune your figures so that you have a good chance of approval-the Loan Mod Calculator will automatically compute the Waterfall and show you instantly Pass or Fail.
5. There are 7 triggers for HAMP program qualifications and you must pass all of these to qualify for a loan modification.  This is tricky for homeowners to figure out-but since it is just math there is a way to use this formula to help you prepare your own application correctly so that you fit right into the approval formula-know the math and use it!

The HAMP program qualifications are the same for every borrower-if you pass the formula you have a good shot at approval-if you don’t then you will be turned down immediately.  This is not luck or a matter of who deserves help, your lender will only help you if you can prove in black and white that you are the perfect candidate-that your income, expenses and assets all fit right into the program.  Even the most deserving borrower will be denied unless they can accomplish this!

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Guide kit and Loan Mod Quick APP calculator will provide you with the inside secrets to approval-the mathematical formula is automatically figured on the loan mod calculator showing you income, expense and asset requirements.  Do you pass or fail?  Where do you need to make adjustments? Get the answers immediately and make the necessary adjustments to qualify.  Visit MyLoanModificationCenter.com for more information today!

Loan Mod Calculator Formula

What is the loan modification formula for approval?  This is the number one question that homeowners have who are trying to get their bank to approve their loan mod application.  Most borrowers do not understand what it takes to qualify, and have no idea how to prepare their monthly budget worksheet correctly-in fact, this is the #1 reason for all loan workout denials!  However there is a way to simplify the process and make sure that you have the best shot at success-learn how the powerful loan modification calculator can help you to get it right.

The loan modification calculator mimics the approval formula used by 92% of all lenders & servicers.  This approval formula determines if your monthly budget information-your income, expenses and assets-meets the guidelines for acceptance.  It is critical to complete this part of the loan mod application correctly or you will be turned down-basically either you fit or you don’t.  It is  up to each homeowner to prepare their paperwork correctly and prove in black and white to their lender that they are the perfect candidate for a loan workout.

How does the loan modification calculator formula work?  It’s all about math-to qualify for a loan workout your financials must pass the 7 triggers for approval-and this is the confusing part for homeowners-and almost impossible to figure out by yourself!  The loan mod calculator automatically figures these approval triggers when you put in your specific financial information-and displays immediately if you are passing or failing.  You can then fine tune your budget until you are passing all of the required guidelines-and use this new budget to submit to your lender.

LOAN MODIFICATION CALCULATOR FORMULA

1. Loan to Value: how much is your home currently worth as opposed to the mortgage balance? This calculation covers the NPV trigger for
   

   7 Approval Triggers Shown

   approval.

2. Imminent Risk of Default:  is your current financial situation demonstrating a true hardship?  This calculation uses your net income, assets and expenses to determine passing or failing.
3. Asset Ratio:  do you still have enough reserves to continue making the payment or is a loan mod your only option?
4. Debt to Income Ratio:  this calculation shows how much of your gross monthly income is being spent on housing expenses-mortgage, taxes, insurance, HOA dues.  You must pass this trigger to be eligible.
5. Current Cash Flow:  based on your net income and your listed monthly expenses, do you have a positive or negative cash flow each month? This is important to know so that you can make any necessary adjustments.
6. Waterfall Method of Modification:  based on the financial information you provided, can you loan be modified by using the standard methods-lower interest rate, longer term, principal reduction-to meet the new target mortgage payment?  This is critical-if your loan cannot pass this trigger your chances are slim for acceptance.
7. New Cash Flow:  after the loan modification will you be able to afford and maintain the new payment?  You must have a certain positive cash flow to demonstrate or you will be a risk for re-default and not a good candidate for a loan workout.

Perfect Application!

The loan modification calculator shows you all of these approval triggers immediately-you simply input your specific information and you will see exactly where you may need to make adjustments-do this before submitting for review and you will have a much better chance at actually getting approved.  Remember, it’s just math-pass the formula and you prove you are the perfect loan mod candidate-fail the formula, and there goes your chances for the help you need.

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complete their application correctly-avoid mistakes and get it right the first time.  Visit MyLoanModificationCenter.com for more information and get started today.

Most homeowners struggle with trying to apply and qualify for a Wells Fargo loan modification-the procedure may be confusing and frustrating unless you have a basic understanding of just what the bank is looking for to approve your application.  Take a few minutes to read these FAQ’s so that you will be more informed before you begin your own loan workout.

WELLS FARGO LOAN MODIFICATION FAQ’S

Wells Fargo Loan Mod

1. How do I know if I am eligible for a loan mod?  The basic requirement is that you be facing a severe financial difficulty making your current mortgage unaffordable.  This could be due to loss of income, increased expenses, lack of reserves, excessive debt.  Being eligible does not be that you automatically qualify however. You also must be able to prove to the bank that your specific financial situation fits into the program guidelines.
2. What loan modification programs are available?  Wells Fargo offers the government plan called HAMP, as well as their own in-house programs.  HAMP must be offered to homeowners first, and then if you do not qualify under those guidelines, you will be reviewed for one of the banks own programs.
3. Which is better for me, HAMP or an in-house plan?  HAMP features standard guidelines and a standard method of modifying loans to reach the new lower mortgage payment.  It is overseen by the Federal
   

   HAMP

   government, and the bank must abide by certain guidelines for every homeowner.  In house plans can vary greatly, some helpful and some not much help at all.  It is almost always preferable to get a HAMP loan modification.

4. How do I know if I qualify for HAMP?  You must meet certain monthly income, monthly expense and asset requirements on your financial worksheet.  If your income is too high or too low you will not qualify-your monthly expenses must also fit into the approval formula.  You can verify your own budget by running your figures through the loan modification calculator to make certain you are passing the guidelines before submitting your application.
5. Can I include income from a non-borrower?  As long as the contributor lives in the home and you can prove that you actually receive the money each month, you are allowed to count that income.  If you rent out rooms, then a portion of that is allowed as well.
6. How does the debt to income ratio work for Wells Fargo loan modification?  This is a calculation the bank uses to determine how much of your gross monthly income goes towards your housing expense-mortgage payment, property taxes, insurance and any HOA dues.  Your current debt to income ratio must be over 31% to be
   

   Income Requirements Shown

   eligible.  You can check your own debt to income ratio by using the loan modification calculator which will automatically display all of the 7 triggers for HAMP approval-and show you where you need to adjust your budget.

7. What is the first step to apply for a Wells Fargo loan modification?  Before you speak with the bank, be sure you spend a few hours working on your monthly budget-this is the most critical part of the entire application process.  Most homeowners do not understand how much income, expenses and assets they need to show the bank to qualify-and this is the #1 reason for denial.  Once you have fine tuned your monthly budget figures, you are then ready to contact the bank and request review for a loan mod.

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powerful tool will provide you with all the forms, detailed directions and the loan mod calculator automatically and instantly displays the required monthly income, expenses and assets for approval.  Avoid mistakes, get it right the first time!  Visit MyLoanModificationCenter.com for more information and get started today.

RMA TIPS

Here are some important directions and tips for completing the Wells Fargo RMA form when you apply for a loan modification.  Most homeowners do not realize how critical it is to complete this loan mod form correctly-this is actually the most important part of the entire process and can literally make or break your chances of approval!

WELLS FARGO RMA FORM-DIRECTIONS & TIPS TO PREPARE

1. Never disclose your monthly budget or financial information to the bank until you have had the chance to work on your figures ahead of time.  You must submit the acceptable monthly income, monthly expenses and assets if you wish to fit into the approval formula and qualify for a loan modification.  This is where most homeowners get it wrong-you can run you own budget through the loan modification calculator to verify if you are passing or not, and where to adjust your figures.
2. Make sure that you adjust your monthly income as needed to qualify before you submit the RMA for review-you may need to have additional income to qualify.  Renting a room, or taking a second job to fit the Wells Fargo approval formula may be required.
3. You can use non-borrower income to help you qualify, but just remember that you have to be able to prove whatever income you put down on the RMA.
4. Your monthly expenses must also fit the approval formula-they cannot be too high or too low.  Your utilities, groceries, car payments, insurance, etc must all be itemized and prove that you have cut out all unnecessary expenses-but still you cannot afford the current mortgage payment.  Do not show any frivolous items, like club memberships, luxury items.  Double check your expenses for acceptability by running them through the loan modification
   

   Income Requirements Shown

   calculator, then make any necessary adjustments before sending it in.

5. Assets, like checking & savings accounts will be reviewed, and you are only allowed to have a certain amount of money in the bank.  If you have too much in liquid assets (not retirement accounts) then Wells Fargo may not think you are in a hardship situation yet.
6. Home value-this is an important part of the application because many times the bank has an incorrect current market value of your home in their system-this can cause your loan mod to be turned down too.  So do your research and show the lowest market value possible-this is one circumstance where a lower value will help you get approved for a loan workout.
7. Hardship Affidavit-page one has a small area to explain your current circumstances to the bank.  Use a separate sheet of paper, put your loan number on top, then write a few descriptive paragraphs telling your story-how you have tried everything to make ends meet, what has caused the financial hardship, and how  you will be able to keep your payments current after the loan mod.  Be sure to sign it at the bottom and include this in with the application.

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kit and Loan Mod Quick APP calculator.  This powerful tool will provide you with everything you need, detailed directions, forms, and the loan mod calculator automatically generates your own sample monthly budget showing you specific income, expense and asset requirements!  Visit MyLoanModificationCenter.com for more information today.