Foreclosures Medic
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Foreclosures Medic
UPDATED: Barack Obama's $75 Billion Loan Modification Plan, The
Homeowner Affordability and Stability Plan, makes now a better time
than ever to get a Loan Modification!
WARNING: DO NOT PAY A LOAN MODIFICATION COMPANY $1500-$3000 TO
SIMPLY FILL OUT THE FORMS INCLUDED IN THIS KIT.
“GOOD NEWS for homeowners facing foreclosure: AT LAST! a complete
Loan Modification Kit which provides insider tips and easy
instructions on how to stop the foreclosure process and SAVE YOUR
FAMILY’S HOME. ” Guaranteed or you PAY NOTHING.
On March 4, 2009 the $75 billion Homeowner Affordability and
Stability Plan was passed into law by President Barack Obama. The
White House has just released who will qualify and how to go about
receiving a Loan Modification through the new plan. Here is what you
must know!
STEP 1: DETERMINE IF YOU ARE ELIGIBLE FOR YOUR SHARE OF THE $75
BILLION BAILOUT?
1. Do you live in the home?
2. Is your current loan amount within ($625,500 in high cost areas
and for other areas $417,000)
3. Are your current house payments more than 31% of your gross
income?(The COMPLETE LOAN MODIFICATION KITS will automatically
calculate all financial ratios your lender may want to see)
4. Are you must be able to prove you have current income?
5. Do you currently have a job?
If you answered yes to these five questions there is a good chance
you will qualify for a loan modification under the terms in the
Homeowner Affordability and Stability Plan.
STEP 2: APPLY FOR A LOAN MODIFICATION (ORDER AND INSTANTLY DOWNLOAD
THE COMPLETE LOAN MODIFICATION KIT)
You must act quickly; millions of American's will be trying to get a
piece of the bailout! The sooner you act the better your chances are
of receiving a loan modification. However, it is important to ensure
that you have all your documentation in order so that when you do
reach your lender they will be able to process your request quickly.
So in step 2 first prepare all documentation required by your lender
then contact them. The Complete Loan Modification Kit has all document
templates, forms and checklists your lender may request. With the
Homeowner Affordability and Stability Plan if your loan qualifies
there is a good chance that the lender will contact you. Be certain
that the person claiming to be your lender truly is! But there is no
guarantee your lender will contact you, therefore it is in your best
interest to be proactive and contact them.
INSIDER TIP #1
It is important to understand that with Obama's Homeowner
Affordability and Stability Plan lenders have a financial incentive,
and they love money, to process as many loan modifications as
possible. Therefore it is essential that if you want your lender to
consider your case a high priority for them, you need to make it easy
for them to process your application fast. Nothing will get your case
dropped to the bottom of the pile faster than taking up an hr of your
lenders time with questions you can learn easily if you read the
included Loan Modification Manual. The Complete Loan Modification Kit
Course Manual provides a clear overview of the loan modification
process.
INSIDER TIP #2
One of the largest differences in the loan modification process that
the Homeowner Affordability and Stability Plan will have is the fact
that to receive a loan modification you do not need to be behind on
your mortgage payment. Now if your ARM has been reset to a high rate
and you answered yes to the questions in step 1 you can likely get
your rate reduced to 4.5% fixed.
INSIDER TIP #3
Follow Up! It is especially important now, with so many loan
modifications being started that you stay in contact with your lender
and ensure your case is being handled effectively.
MORE INSIDER TIPS IN THE KIT!
STEP 3: ENJOY THE BENEFITS OF SAVING YOUR FAMILY'S HOME
Thanks to the Homeowner Affordability and Stability Plan there has
never been a better time to pursue a loan modification. But with this
opportunity there is also the downside that your lender will not have
the time or patience to walk you through the process, to get approved
quickly for a loan modification you will need to prepare all
documentation before you begin the process of speaking with your
lender.
TO PREPARE THESE CRITICAL DOCUMENTS YOU CAN USE THE COMPLETE LOAN
MODIFICATION KIT WHICH PROVIDES YOU WITH ALL THE FORMS, DOCUMENT
TEMPLATES AND AN EXTENSIVE HOW-TO GUIDE.
ONLY $39.95
THE COMPLETE LOAN MODIFICATION KIT INCLUDES:
Complete updated Loan Modification Course Manual which shows you
how to get a Loan Modification and...
Lower your interest rate and payment!
Reduce your principal balance!
Convert an adjustable rate to a fixed rate!
Receive lender forgiveness of missed payments!
Remove all late fees and charges!
STOP THE FORECLOSURE PROCESS!
Or have your lender agree to any combination of these!
COMPLETE LOAN MODIFICATION KIT TESTIMONIAL
_"I have always been skeptical of anything on the internet,
especially e-books, but This one turned out to be one of the best
decisions I ever made. I never thought I would ever have to worry
about losing my home to foreclosure, you hear about it all the time,
but never think it will happen to you. Then my husband and I both
unexpectedly lost our jobs and in today's struggling marketplace we
couldn’t find new ones soon enough. We were having problems paying
all our bills and things just kept adding up. Before we knew it, we
were on the verge of losing our home. Your book gave me the confidence
and assurance I needed to fight to save my home. The knowledge and
advice in the book is priceless and armed me with the tools and Plans
that enabled me to keep my house and sanity! The book was so easy to
follow__ and I believe it truly saved me and my husband’s future. I
have already told all my friends and family about this book and how
lucky we were to have found it.”_
Misty Lange, Arlington, Virginia
Listen to what Misty left on ForeclosureMedic.com's answering
machine after we asked her about reading the book:
DO IT YOURSELF LOAN MODIFICATION KIT SUCCESS STORIES
_"How much did a Loan Modification help me? My monthly payment went
down by $400 and my variable rate of 8.25% dropped to 6.25%. Now I am
living stress free in my home."_
Tom Banks, Detroit, Michigan
_"I worked hard for 3 months modifying the loan. Through persistence
and following straightforward steps I was able to lower my monthly
payments and I did not have to pay any late fees or charges. The best
reward is how proud I am that I can provide the security of a home we
own to my family." _
James Bishop., Apple Valley, California
_"After trying to modify my loan with the help of a “Loan Mod
Company” and being denied I didn’t think I had anything to gain by
trying on my own. But by being able to communicate more frequently I
was able to ensure my application was not forgotten. Using the same
strategies and personal communication I was able to drop my rate to 6%
and add all my late payments on to my mortgage total."_
Stephanie Tauter, Boulder City, Nevada
PLUS – TO ASSIST YOU IN THE LOAN MODIFICATION PROCESS 5 FREE GIFTS
ARE INCLUDED:
FREE GIFT 1: DOCUMENT CHECKLIST
There are many forms required for a loan modification. This
document checklist allows you to be certain all required forms are
included when you submit your paperwork. 1 page missing from your
submission could delay your application for weeks.
FREE GIFT 2: HARDSHIP LETTER TEMPLATES (3 DIFFERENT ONES)
The hardship letter is the most critical piece of paperwork you will
submit. It is the initial hurdle for the process and where most
people’s application will fail. However, following the instruction
and templates provided you can be certain you will be submitting the
most effective hardship letter you can. The hardship letter templates
can be edited with any word processor, such as MS Word. 3 Free
hardship letter templates are provided so that you can choose which
fits your specific situation and adjust the letter accordingly.
FREE GIFT 3: LOAN MODIFICATION CONTACT LOG
Over the course of the loan modification process you will
communicate with many different people. If you do not accurately keep
track of communication it could be a costly mistake. This contact log
allows you to easily write down details of all communication you have
with lenders.
FREE GIFT 4: LOAN MODIFICATION FAX COVER SHEET
During the loan modification process you will be required to fax in
forms. It is important to appear responsible and professional; a
relevant fax cover sheet can help you in this process.
FREE GIFT 5: BORROWERS FINANCIAL STATEMENT TEMPLATE
This template, using Microsoft Excel, will walk you through the
steps required to build professional financial statements. It will
also automatically calculate your Net Worth and other important
financial indicators lenders need to see and accountants would charge
hundreds of dollars to calculate. You won’t need to do any
calculations yourself.
ONLY $39.95
THE 100% NO-RISK-TO-YOU GUARANTEE
If the 3 step kit does not help you keep your home we will refund
you 100%, no questions!
In fact, we invite you to use this kit and put all the risk entirely
on me. If at ANY TIME FOR ANY REASON IN THE NEXT 90 DAYS you feel that
it falls short in delivering EVERYTHING that has been promised, just
let us know and we will be happy to give you a full refund, no
questions asked.
\"I AM TAKING ALL THE RISK AWAY, THE PRODUCT IS YOURS TO KEEP!\"
WHAT ARE THE 8 MOST COMMON MISTAKES?
AND
HOW THE COMPLETE LOAN MODIFICATION KIT WILL ENSURE YOU DON'T MAKE
THEM!
MISTAKE 1:
Applying with your lender prior to knowing the way the entire system
works and being unaware of lenders requirements in order to approve
your application.
COMPLETE LOAN MODIFICATION KIT SOLUTION 1:
Thoroughly researched and written, easy to understand, Loan
Modification Course Manual
MISTAKE 2:
Paying huge sums of money as upfront charges to a loan modification
company before establishing its credentials and loss mitigation
expertise. Many home loan owners have surrendered thousands of dollars
without positive returns, instead of starting with their own do it
yourself loan modification application process.
COMPLETE LOAN MODIFICATION KIT SOLUTION 2:
Only $39.95 Thousands of dollars less than Loan Modification
companies that simply fill out the same forms. Plus a 90 day 100%
Guarantee!
MISTAKE 3:
Time is of essence. Do not end up wasting it by speaking to
employees who under the pretext of assisting you end up extracting
last dimes from your pockets. They actually belong to collections
department and will probably never help you in providing an actual
loan workout. You need to know the right contact person in order to
derive the desired results.
COMPLETE LOAN MODIFICATION KIT SOLUTION 3:
Instantly delivered forms, checklists, manual and templates all
showing you how to get started quickly and be ready to contact your
lender with everything ready in under 24hrs!
MISTAKE 4:
Unconvincingly written hardship letters will not help your cause.
The description should be compelling in order for the lender to
empathize with your situation. It is imperative to understand that if
you do not convince your bank that you deserve a Loan Modification due
to circumstances which are beyond your personal control, your chances
of approval are very minimal.
COMPLETE LOAN MODIFICATION KIT SOLUTION 4:
Professionally written templates that are easy to customize and have
been proven successful.
MISTAKE 5:
Error of Omission - Incomplete information or omitting relevant
fields on your application formcan be the most common reason for the
delay and in some cases even rejection of your proposal. Are you aware
that your local bank shall verify all the information provided by you?
It is a full disclosure procedure, in which, delays can be avoided by
disclosing all your income and debts in totality. There is a method
available to ensure that you do not leave or miss anything on your
proposal.
COMPLETE LOAN MODIFICATION KIT SOLUTION 5:
Professionally written templates that are easy to customize and have
been proven successful.
MISTAKE 6:
Submitting a Loan Workout proposal which does not meet the criteria
or requirements set forth by your lender. Each lender has their own
criteria that must be met. When your forms do not conform to set
criteria of the banks, then in all probability your proposal will be
declined. Ensure that you know your banks lending guidelines and then
complete your loan modification forms. Are you aware of method to
gauge your target mortgage payment so it is within your budget and
also confirming to lenders guidelines for approval?
COMPLETE LOAN MODIFICATION KIT SOLUTION 6:
Templates that automatically calculate your financial ratios your
lender needs to see. Complete package from A-Z of everything you need
with an easy to follow guide.
MISTAKE 7:
Not providing your lender with the entire loan modification package
that includes all forms and documents needed for their review.
Remember, your lender has thousands of borrowers like you who need
similar assistance.
COMPLETE LOAN MODIFICATION KIT SOLUTION 7:
Document checklists, you will not miss any documents!
MISTAKE 8:
Not being persistent in communicating with your lender can allow for
your case to fall through the cracks and remain un-resolved. You must
ensure you are in constant communication with your lender to ensure
you get a speedy resolution to your application.
COMPLETE LOAN MODIFICATION KIT SOLUTION 8:
Phone conversation scripts + contact log so you can keep track of
all communication and ensure your Loan Modification does not get
ignored.
ONLY $39.95
P.S.: YOU HAVE AN INCREDIBLE 90 DAYS TO DECIDE IF THE COMPLETE LOAN
MODIFICATION KIT EXCEEDS YOUR EXPECTATIONS. IF IT DOES NOT YOU CAN
SIMPLY REQUEST A REFUND AND THE KIT IS YOURS TO KEEP. I AM TAKING ALL
THE RISK AWAY, THE PRODUCT IS YOUR TO KEEP!
P.P.S If you feel this material would be useful but are currently in
a position that it makes purchasing it difficult, I WANT YOU TO HAVE
IT ANYWAY, PLEASE PURCHASE IT AND THEN REQUEST A REFUND IF THE MONEY
COULD HELP SAVE YOUR HOME. I BELIEVE THAT IF YOU TOOK THE TIME TO READ
ALL THE WAY TO THE BOTTOM THAN WITHOUT A DOUBT THIS PRODUCT WOULD HELP
SAVE YOUR HOME.
Here is a to give you a sample of the quality of this kit!
:
Copyright ForeclosuresMedic.com 2009.
