Learn how!

It’s all over the news and the hot topic of conversation across the nation-President Obama’s stimulus plan to save the American homeowner.  But what is a loan modification program and can it help your family?  The hype can overshadow the facts, so let’s take a minute to really find out just who qualifies, how the plan works and the benefits to struggling homeowners.

A federal loan modification program called Home Affordable is being offered by most lenders and servicers at the strong urging of President Obama.  He has stated a goal to have every borrower who is facing the possibility of losing their home have the chance to apply and qualify for a loan workout.  To make that process easier and more streamlined, the Treasury Department has set up a standard guideline that all lenders use to determine who qualifies.

Using the federal loan modification guidelines, a borrower is can meet certain criteria will be eligible

Federal Plan

for:

1. Reduction in interest rate to as low as 2%
2. Longer loan terms-up to 40 years
3. Principal forgiveness or deferral

These methods will be used in that order to arrive at a new modified mortgage payment that equals just 31% of the household gross monthly income.  That figure is called a target payment, and that includes your monthly homeowners insurance, property taxes and any homeowners dues.  The idea is to provide a long term solution with an affordable and sustainable modification.

Since the federal loan modification program has standard guidelines for everyone, smart homeowners will take a couple of hours to learn the basics of what it takes to qualify-you can increase your chances of approval by understanding what the bank is looking to see from you, then fine tuning your application so that it fits into the approval criteria.

Now that the federal government has stepped in with billions in stimulus funds, the banks are finally helping needy homeowners.  Help is finally available-you just need to learn how to get it.  When you know what a loan modification program is and how to apply correctly, you will have a very good chance of getting the help you need and deserve.

Over 5 million homeowners are struggling with financial problems, but the government is throwing out a lifeline to help get our housing market back on track.  Don’t miss out on your chance for federal assistance, take the time to learn how to qualify for a loan modification program.

You can get the help you need to apply and qualify for a loan modification program 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

Chase is offering a plan available for homeowners who are either in default on their mortgage or facing imminent default due to financial hardship. Sponsored by Fannie Mae and paid for by the Treasury Department with $75 billion in stimulus funds, this loan modification program could be the answer you need to say in your home. Learn what is required to qualify and how to apply correctly so that you can get the help you need quickly.

Chase is authorized to offer its borrowers the Fannie Mae plan, called Home Affordable Modification, or HAMP. The best feature of this program is that it offers standard approval guidelines and standard methods of modifying your loan. This means it is much easier to apply and qualify-IF you know what those guidelines are. If you want to get approved quickly, it makes sense to learn the basics, work on your loan modification forms ahead of time and make any necessary adjustments, and then submit your proposal that you know meets the approval criteria.

Here is the basic method that Chase will use to determine if a homeowner is eligible for this plan:

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

Work on your budget now

Chase will use the Fannie Mae Home Affordable Modification method of determining your new modified payment – and you must be able to meet this debt ratio calculation to qualify:

• New target payment equals approximately 31% of gross monthly income
• Gross monthly income times 31% equals close to target payment
• Decrease interest rate to as low as 2%, extend loan term to 40 years, defer or forgive principal balance to reach target payment and meet 31% debt ratio requirement.

There are 4 steps to determine if you can meet the target payment and debt ratio requirement. Learn these steps and you can pre-qualify yourself easily. Then you can prepare your loan modification forms correctly, present an acceptable proposal and your application will have a very good chance of getting an approval quickly!  You are provided withe detailed directions and step by step instructions for computing your target payment and debt ratio in the #1 resource for homeowners, The Complete Loan Modification Guide.  This is the inside edge you need to get approved quickly-don’t take chances and risk being denied.

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.

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.

Home Edition Loan Modification Kit with Customer Assist

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

Wells Fargo isoffering help to struggling homeowners with a federal loan modification plan.  This subsidized program is called Home Affordable Modification and is funded with $75 billion dollars of your tax money.  If you are facing a financial hardship, don’t wait to apply for relief using this very aggressive plan.  The approval guidelines are standard for everyone, so follow this checklist when you apply to make sure you will qualify.

Wells Fargo Government Loan Modification Checklist:

1. You must live in the home as your primary residence
2. Loan must have been taken out before January 1, 2009
3. Loan amount is less than $729,750 for one unit properties (higher for 2-4 units)
4. Current mortgage payment equals more than 31% of household gross monthly income (this includes principal, interest, homeowners insurance, homeowners dues, property taxes)
5. Facing a financial hardship situation making your payment unaffordable

Wells Fargo Eligibility Checklist:

1. Must be able to document hardship with an explanation and Affidavit
2. Provide required income documentation less then 90 days old
3. Verify occupancy with utility bill or tax returns
4. Must agree to an escrow account for property taxes and insurance
5. Loan cannot have been previously modified under the Home Affordable Plan
6. Loans secured by condemned properties
7. Loans currently in foreclosure are acceptable and those involved in bankruptcy proceedings (at the lenders discretion)
8. Proof of imminent hardship/default if loan is not delinquent

Federal Plan

Take the time to learn more about the Wells Fargo government loan modification plan so that you will be able to meet the debt ratio guidelines and target payment criteria.  It is a standard formula-the same for everyone-so once you learn the basics you will be on your way to getting the loan workout you need and deserve.  CAUTION:  Do not contact the bank and give them your information until you have prepared your financial statements and made the necessary adjustments so that you will qualify.

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

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

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

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

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

Now is the time to apply for a Wells Fargo loan modification that will lower your mortgage payment-why?  Because the lender is approved to offer the federal loan workout plan to qualified borrowers.  This is a very aggressive, federally funded plan that could be the answer you are looking for.  But before you call the bank, you need to learn about how to increase your chances for success. Applying for a Wells Fargo loan modification program will give you the chance to lower you monthly payment so you can afford to stay in your home and avoid foreclosure. Unfortunately, not all borrowers will qualify for this help-why do some homeowners get approved while others are denied? Here are 7 Tips that will help you get your loan modification application approved:

Important Tips

Tip #1: Learn the lenders guidelines for approval before you send in your paperwork. Wells Fargo has implemented the federal requirements that must be met to be approved. Once you know what these are, you will be able to complete the forms properly to increase your chance for approval.

Tip #2: Gather all of your bills and household expenses together, sit down and figure out a new family budget that eliminates all unnecessary expenses. You must show the lender that you are making sustained home ownership a priority.  Determine your new “Target” payment using Obama’s 31% debt ratio guideline-learn more about this in Chapter 2 of the #1 resource for homeowners, The Complete Loan Modification Guide.

Tip #3: Write a convincing letter explaining your circumstances that will tell the story of why you are having financial difficulties, what steps have been taken to correct the situation, and your commitment to continued home ownership. You can get help to write your own letter with the Hardship Letter outline and letter template provided in Chapter 10 of The Complete Loan Modification Guide.

Tip #4: Provide the lender with documentation to back up your hardship story. If you were laid off, give them a copy of the notice from your employer, if you had medical expense, copies of the bills. This will add credibility to your request for loan modification help.

Tip #5: Learn how to calculate your debt ratio so that you can arrive at your new modified mortgage payment that meets the Wells Fargo loan modification program guidelines. The bank needs to see that the new payment will not exceed approximately 31% of your gross monthly income. You can get more information about this very important tip and help to figure this all out-and follow easy step by step directions to figure your own debt ratio in The Complete Loan Modification Guide.

Tip #6: Take your time and carefully complete the required loan modification application forms so that they will be accurate and acceptable. How you complete these forms will in large part determine if you receive an approval. You must show Wells Fargo that while you cannot afford the current payment, you will be able to pay and maintain the new mortgage payment. This can be tricky, but make it easy by providing a Current and a Proposed Financial Statement-found in Chapter 10 of the Guide.

Tip #7: Submit a complete, accurate and acceptable application that meets the Wells Fargo loan modification program guidelines. Missing or incomplete packages will be rejected and valuable time will be lost. How can you make sure you are sending in everything required? Easy, follow a Document Submission Checklist-provided in The Guide.

You can definitely increase your chances for receiving a Wells Fargo loan modification by learning and preparing ahead of time. It is pretty hard to qualify for something that you do not even know the requirements for! While not everyone will be approved, you can really give yourself the fighting chance you need to save your home by taking the time to learn all about the loan modification approval process before you contact the lender. This is not brain surgery, most borrowers can follow the easy steps and put together an acceptable loan modification application that will result in help to stay in their home. This is a frightening and confusing situation, but doing nothing is not the answer. Make the decision to take control of your financial future and get started today so you can be on your way to secure home ownership again.

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Home Edition Loan Modification Kit with Customer Assist

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