RestReport.com helps home owners show proof to their mortgage bank or servicer that they are eligible for a loan modification or short sale program. Home Owners need this report to show proof to get the attention of their bank and quick positive results.
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Just be aware that over 85% of people that try a loan modification ON THIER OWN are denied, again and again.
This is war with your lender, they will not VOLUNTARILY take a loss on an investment that they and you, have agreed on, sometimes a short time ago and sometimes a long time ago you agreed to the loan. If it was as easy as the previous poster stated, EVERYONE that had a loan and couldn't afford it would get one and the banks would need another bailout again!!
Read below on more detailed info on a loan modification PROCESS and requirements.
To get a SIGNIFICANT Modification, suffering a sudden or future hardship, you have GOT TO go through an Attorney Backed modification company that specializes in loss mitigation. Don't be fooled by ANYONE that says you can do this yourself and get significant results, it's like a candy striper doing open heart surgery!!
I would also not recommend trying it on your own, then getting an attorney when the bank blows you off, (and THEY WILL) because the lender will already know ALL About your case and then the lawyer cannot fully negotiate like they should.
They will be dealing with the Loss Mitigation dept. at the bank's or lenders central office or headquarters, NOT your local branch. Only an attorney will be able to get multiple features modified and know which program to use; getting your loan balance lowered, interest rate lowered to as low as 1% and any amount you are behind can be FORGIVEN, not just put on the back end, as well as your hardship explained correctly. The results that I HAVE gotten for my clients is just that. I can help you as well, no payment has to be made unless you qualify, once you qualify you make a payment to retain the services of MY BBB A rated attorney that works with your lender in many more ways than any individual property owner can do on their own.
You can get modifications on rentals, commercial properties and even empty lots.
Loan Modification Analyst WITH a Better Business Bureau, (A) Rated Attorney's office, http://availableloanmodifications.blogspot.com
CREDIT is NOT a factor, so if you or anyone you know, has been turned down for a typical refinance, THIS IS the next, and even better solution.
If you are finding it harder to make ends meet in these tough economic times and would like to learn how we might be able to help make your mortgage payment a lot lower, and fit your budget, "one call does it all."
I am a loan modification analyst and service your area. If you would like to see if you qualify for a mortgage loan modification, contact me by phone or e-mail and I'll be happy to make sure you get ALL the details.
What do loan modifications do? It depends on your personal circumstances, but we HAVE been helping our clients in the following ways and MORE:
 Lower your monthly payments (100% Yes)
 Bring down your overall mortgage balance (Yes)
 Lower your interest rates (Yes)
 Forgive some or ALL past due payments.(Yes)
 Save you from foreclosure (Yes)
How do you qualify? You only need to meet two qualifications:
1) You have to have a real hardship. Examples of hardships are: loss of income, a cut in hours, a job loss in your household, medical bills, house upside down, Pretty much ALL Atlanta is underwater, NOT Like New Orleans was. (i.e. the market value has dropped so you now owe more than your home is worth). There are many hardships and most Americans have at LEAST one at the moment.
2) You have to have some kind of income IN THE HOUSEHOLD.
Many sources of income qualify, such as regular wage pay, income as an independent contractor, commission earnings, social security / disability income, etc.
You can be up to date or behind on your mortgage payments - it does not matter to qualify for a loan modification.
You can have a high or low credit score - it does not matter EITHER.
We help all kinds of people with their mortgage and have saved homeowners hundreds of dollars every month. I'll be happy to show you some great examples of our work when we talk.
Thanks for your time. If you would like to learn how we may be able to help make your mortgage fit your budget, just give me a call.
Warm Regards,
Jjluther
No because a loan modification is set in place to give the client a fresh start. The client should waive all the late fees that he/she had before the loan modification.
You have to apply to your lender for a loan modification. Some people use attorneys to make application on their behalf, and others choose to go the "do it yourself mortgage modification" route. If you decide to do your own home loan modification, make sure you get your paperwork correct. You need to know precisely what your lender requires, otherwise your application will be rejected. It may be a good idea to buy a loan modification system that can show you, step by step, how to go about the loan modification application.
No. Deeds affect ownership of the property. A new deed isn't necessary for a loan modification.
"Every mortgage lender or mortgage servicer offers mortgage loan modification. There are also many third party companies that offer mortgage loan modification, but work with them at your own risk."
No one can guarantee that your home loan modification will be a success. It ultimately depends on your Lender as to whether or not they choose to modify your loan. However, if you provide your Lender with all of the documentation that they require, in the manner that they need it, then your chances of a successful loan modification will be greatly enhanced.
Customer Service.
There are various programs the government offers for mortgage modification. A few programs available from the government to modify your mortgage include Obama's loan modification program and HUD.
The answer is no. I am a Certified Signing Agent and I am also a Loan Modification Consultant, but that does not mean that I need to be one in order to become a loan modification consultant. Glena
A loan modification is up to the discretion of the lender. The type of loan doesn't really matter as much as the willingness of the lender to work with you.
No because a loan modification is set in place to give the client a fresh start. The client should waive all the late fees that he/she had before the loan modification.
You have to apply to your lender for a loan modification. Some people use attorneys to make application on their behalf, and others choose to go the "do it yourself mortgage modification" route. If you decide to do your own home loan modification, make sure you get your paperwork correct. You need to know precisely what your lender requires, otherwise your application will be rejected. It may be a good idea to buy a loan modification system that can show you, step by step, how to go about the loan modification application.
Home Affordable Modification Program: OverviewThe Home Affordable Modification Program (HAMP) is designed to help financially struggling homeowners avoid foreclosure by modifying loans to a level that is affordable for borrowers now and sustainable over the long term. The program provides clear and consistent loan modification guidelines that the entire mortgage industry can use. The Home Affordable Modification Program includes incentives for borrowers, servicers and investors. RestReport.com can help you show proof to your bank that you are eligible for HAMP.
No. Deeds affect ownership of the property. A new deed isn't necessary for a loan modification.
"Every mortgage lender or mortgage servicer offers mortgage loan modification. There are also many third party companies that offer mortgage loan modification, but work with them at your own risk."
No one can guarantee that your home loan modification will be a success. It ultimately depends on your Lender as to whether or not they choose to modify your loan. However, if you provide your Lender with all of the documentation that they require, in the manner that they need it, then your chances of a successful loan modification will be greatly enhanced.
When facing a foreclosure or something of that nature, you have to make a loan modification so that it doesn't affect any other financial firms or accounts you have. So you will have to visit www.modificationhelpnetwork.com
Hello, I want to fill a loan modification application online for bank of America asap.