Save Your Home What is a Loan Modification?Whether you call it a loan modification, mortgage modification, restructuring, or workout plan, it’s when a borrower — who is facing great financial hardship and is having difficulty making their mortgage payments — works with their lender to change the terms of their mortgage loan.Take advantage of the available loan modification programs to re-structure your loan into a better one.Due to the complexity of the loan modification process, its best to work with a experienced third party to assist you with completing the documents. You may get APPROVED for a Loan Modification regardless of?Credit ScoreLate PaymentsPreviously Denied ModificationScheduled Auction DateEtc.Why should I apply for a Loan Modification:Get Out Of Foreclosure Lower Your Interest RateLower Your Monthly Payments Reduce Your Principle Mortgage Why should I attend a Loan Modification Workshop?With the assistance of a Modification Specialist, you will be prequalified to "Get Approved" for a Loan Modification.The specialist will assist you with the complete modification package to be faxed to your lender during the workshop.For Fannie Mae and Freddie Mac (Government-sponsored) Loans and FHA*, Conventional**, VA*** (investor-owned) Loans Making Home Affordable Guidelines (HAMP) Note: In many cases, the modification package sent to lenders by homeowners, fail to pre-qualify. How long does it take to get approved for a Loan Modification?It can take as long as 90 to 120 days or more before a decision is made on you modification. However, that time can be reduced substantially by attending the workshop and learning the inside techiniques. What if I have a Sale/Auction Date Pending?There are many options to Stop a Sale/ Auction Date. In many cases we may be able to stop or postpone pending sale/auction dates during the modification process. In most workshops there will staff if you need further assistance. What if I filed Bankruptcy?In many cases even though a homeowner has filed bankrupcy (depending on the type), still needs a modification to lower their interest rate, monthly payments, capitalize back payments or reduce principle mortgage.Note: You will learn how bankruptcy works with modifications inside the workshop. Do I have to bring my printed ticket to the event?Yes. The modification workshops are "Registered Participants Only". Walkins will receive a ticket at the workshop. Is my registration/ticket transferrable?Yes. The ticket is transferrable if the office is notified prior to attending the Modification Workshop. May I bring another person to the workshop?Yes. The additonal ticket will be discounted to ONLY $99 to co-borrower on the mortgage. Note: Please bring mortgage statement with co-borrower name. Do you accept walk-ins?Yes. There will be an additonal $50 added to the regular $299 modification workshop price . Walk-ins will ONLY be accepted if there is available space after the registered participants. What is the refund policy?You may attend the next scheduled modification workshop or you may transfer your ticket to another person, in the event that you cant attend your scheduled modification workshop.Note: Be sure to notify the office of the transferred ticket 24 hrs prior to the scheduled workshop date. What do I need to bring to the Modification Workshop?DOCUMENTS NEEDED:Proof Of Income (Last 2 Paystubs - Lease Agreements - SSI Award Letter- etc.)2012 Tax Returns (Signed & Dated)Last 2 Months Bank Statements (All Pages) Note: All other documents for the loan modification will be provided and completed in the workshop.(RMA - 4606T - Financial Form - Hardship Letter - Profit & Loss Statements - Etc.) OPTIONAL DOCUMENTS:Mortgage Statement (Optional)Property Tax Bill (Optional)Homeowners Insurance Declaration Page (Optional)Original Loan Documents (Optional) Classrooms may range from 5 to 30 participants per workshop. Completed Modification Packages will be faxed in the workshop.
299.00 Loan Modification Workshops 299.00
99.00 2nd Ticket (Co-Borrower) 99.00