EZ Loan Kit :: Now You CAN Save Your Home
*
Attention: If You Are In Danger Of Losing Your Home To Foreclosure,
You CAN Save It, But Time Is Of The Essence.
"Discover The Exact Steps You Can Take Today To Save Your Home From
Foreclosure And Lower Your Interest Rate And Monthly Payment At The
Same Time..."
That's Right -- Save Your Home And Lower Your Payments Quickly And
Easily, Regardless Of Which Bank You Have Your Mortgage With...
RE: Save Your Home
FROM: Mark Johns
Dear Friend,
This year millions of Americans will lose their homes to foreclosure
UNNECESSARILY.
I say, _"unnecessarily",_ because thanks to new regulations, saving
your home could be easier than ever before through a process known as
Loan Modification.
And the good news is you don't have to pay some high priced firm to
do this for you because you can do it yourself starting today.
Let me ask you...
Are you currently delinquent on your mortgage?
Are you currently facing foreclosure?
Are you paying exorbitantly high interest rates?
Are you in an adjustable rate mortgage with a need for a fixed loan?
Are you unable to refinance because of bad credit and a high debt to
income ratio?
If any of the above rings true with you... THERE IS HELP FOR YOU.
You're about to discover how you can negotiate with your bank to
strike a deal for a lower interest rate, a lower payment on a fixed
loan, and save your home.
You can do all of this yourself... _please read on to see how..._
Over 1.5 Million Americans Are Currently In Foreclosure...
According to the LA Times, over 2% of Americans, MILLIONS OF PEOPLE
ARE FACING FORECLOSURE... with another 6% delinquent on their
mortgages...
So, while what you are experiencing may have you feeling alone --
the fact is you are FAR from alone. And this crisis is not isolated to
any one demographic or geographic location.
And whether you have experienced a hardship such as a lost job, a
medical issue, or whether you blame Wall Street corporate greed, or
the government for their lack of oversight over lenders...
Regardless of your political beliefs or your ideals... the mortgage
crisis is far reaching.
So, no. You are NOT alone. BUT THE FACT IS THAT THERE IS A SOLUTION
to your problem that could save YOUR home and lower your interest rate
and monthly payments.
Imagine waking up tomorrow feeling rested and ready for the day, no
anxious tossing or turning in bed the night before.
Allow yourself to imagine an entire day at work being able to focus
on your job WITH NO DISTRACTIONS OR WORRY ABOUT YOUR HOUSE.
And imagine not dreading going to your mailbox or answering the
phone, because you are up to date on your mortgage and you can afford
your payments.
While this may seem like an impossibility to you today, the plain
truth as you'll soon see, is that this could be your reality -- very
soon.
Yes, There Is A Solution To Your Problem That Will Allow You To Save
Your Home And Lower Your Payments...
For homeowners and banks alike, our economic climate is in total
disarray; and MANY AMERICANS ARE NOW DEALING WITH NEGATIVE EQUITY IN
THEIR HOMES.
The vast amount of Americans with negative equity (also known as
being upside down) is certainly not good news...
... but there may be a silver lining here for you because of it.
In fact, it is LARGELY DUE TO THESE FINANCIAL CIRCUMSTANCES that
banks would MUCH rather help you to prevent foreclosure.
The banks are now VERY willing to negotiate lower mortgage payments
in what is known as "The Modification Period" of a real estate cycle.
The banks are also far more open to a process called Loan
Modification, which COULD EASILY SAVE YOUR HOME, lower your interest
rate, AND lower your monthly payments.
And while this might mean a short term financial loss for your
bank,_ it is far less than the loss they would experience through
foreclosure._
The bottom line here is that THEY WANT TO WORK WITH YOU to save your
home.
There Really Is Only One Thing Working Against You Now So You Must
Take Action Right Away...
Unfortunately, far too many Americans are not aware that they have
options and they go into a state of total denial when facing
foreclosure...
... they don't do anything or simply give up, allowing their home to
go into foreclosure when they COULD HAVE PREVENTED IT ENTIRELY -- with
a Loan Modification.
A homeowner threatened by foreclosure often feels great stress and
experiences a myriad of emotions that _sometimes cross over into
marital and work difficulties too._
Whether you feel distraught, embarrassed, saddened, angry, or even
helpless about the way things are going today...
I'm here to tell you that no matter how hopeless your situation
might seem, CHANCES ARE VERY GOOD THAT YOU CAN SAVE YOUR HOME -- and
even lower your interest rate and monthly payments too!
If you're experiencing the stress and emotion of the threat of
losing your home, _then you're about to find out how you can make
everything better starting right now..._
BUT THE ONE THING YOU HAVE WORKING AGAINST YOU IS TIME. So, while
you do have a number of options, it is imperative that you review your
options and take swift action to save your home.
Now you might wonder... "who can modify their loans"... _"can I
modify my loan and save my home?"_
"Who Can Modify Their Loan -- Is Any Homeowner Eligible For This
Kind Of Help?"
As someone that has dedicated my life to helping people save their
homes from foreclosure, I can tell you that I have seen and heard it
all -- but there are some questions that SEEM TO COME UP MORE OFTEN
THAN NOT...
Most folks simply have no idea they qualify for a lower interest
rate, lower payments, and an all around Loan Modification. In case
you're wondering too, allow me to address some of the more common
concerns...
CAN ANYONE QUALIFY FOR A LOAN MODIFICATION?
If you are past due on your existing loan, have an adjustable rate
mortgage or an extremely high interest rate, you're upside down on
your home, experiencing any kind of hardship and faced with
foreclosure you may qualify.
WHAT IF MY CREDIT IS BAD?
Your Loan Modification is not based on your credit or credit score,
but rather on your ability to pay back your newly negotiated loan.
WHAT IF MY INCOME IS NOT HIGH ENOUGH?
You will need to show the bank your ability to repay your newly
negotiated loan. By working with the banks (more on this below), you
may be able to adjust your payments according to your income, making
your loan affordable for you...
WHAT IF I HAVE NO EQUITY OR NEGATIVE EQUITY ON MY HOME?
You might be able to negotiate a principal reduction with your
bank, which means the bank will discount the total loan amount to the
current market value of your home (find out about this below).
CAN I REALLY SAVE MONEY THROUGH THE PROCESS OF A LOAN MODIFICATION?
You CAN save money in many ways. First, a modification does not
work like a refinance so there is no closing cost or "points".
Additionally, with a lower interest rate your monthly payments could
be far less than they are today.
WILL MY BANK DO A LOAN MODIFICATION?
Yes. While each bank operates independently and has their own
policies, in today's economic climate banks are VERY open to Loan
Modifications and they definitely do NOT want to foreclose on your
home!
You see -- YOU CAN SAVE YOUR HOME and you can lower your interest
rate and monthly payments too with the right information -- the kind
of information I provide in my step by step Do It Yourself Loan
Modification Kit...
Introducing: EZ Loan Kit, The Do It Yourself Loan Modification Kit
Unfortunately, for homeowners and banks alike, our financial climate
is in complete disarray.
Equity in homes has dwindled to the point that for many Americans it
is actually negative, or "UNDERWATER".
It is largely due to these particular financial circumstances,
_however,_ that banks would much rather work with you to save your
home, than foreclose on it.
With EZ Loan Kit you'll discover step by step how to use the threat
of foreclosure to your advantage, SAVE YOUR HOME, AND get your loan
modified to payments that you can afford!
Here's just a small sample of what will be revealed to you in my EZ
Loan Kit, Do It Yourself Loan Modification Kit:
MODIFICATION VS. REFINANCE - Discover the primary difference between
a Loan Modification and a traditional refinance... and find out why a
modification is likely the easier, faster, and least expensive answer
to solve your problems today.
BANK "QUICK FIXES" - Find out the 4 alternatives to Modification
that banks will often offer when they know you are interested in
modifying your loan, and discover why these will generally only hurt
you in the lon run.
"QUICK FIX" RESPONSE - Uncover the response you should give to any
quick fix offers your bank makes; and see why the appropriate response
can result in you saving your home AND a lower payment that you can
afford!
THE 1 THING YOU MUST DO - Discover the one simple thing that you
must not be afraid of if you wish to prevent foreclosure and walk away
with your house and lower monthly payments.
MAKE LENDERS WANT TO LOWER PAYMENTS - Find out the one tactic that
makes lenders aggressively pursue lower payments for you!
LEAST LIKED SCENARIO - See which scenario, other than foreclosure,
that the lenders least like to do AND find out when they'll actually
forgive a portion of your debt, _lowering the total amount of your
loan altogether._
1ST AND 2ND - Find out how the loan amount on a first and second
mortgage can BOTH be lowered to reduce the overall amount you owe on
your home.
THE BIG "WHY" - Discover the huge myth about the banks interest in
your home and find out exactly why they WANT you to keep your home in
a way that works for both of you.
MODIFICATIONS ARE NEGOTIATIONS - Uncover the truth behind who REALLY
has the power over your home and find out how you could easily
negotiate your way into a better position than when your first bought
your home.
INTEREST RATE MODIFICATIONS - Find out the items you NEED to
consider and strategize about when you are proposing an Interest rate
only Loan Modification.
THE "GOLDEN" NUMBER - Discover the percentage rate you should be
aiming for if you wish to grow old in your home and keep it for your
lifetime.
THE FORECLOSURE TIMETABLE - Learn what a NOD really means and how
much time you have after receipt of your NOD to work with your bank
and resolve the situation, including modifying the loan.
DROP DEAD DATE - See what scenario causes the bank to consider your
situation unworkable and has them moving on without considering a Loan
Modification. Also find out what you can still do to prevent
foreclosure even after they consider you a "lost cause".
SCARE TACTICS - Uncover the varied scare tactics that banks use to
collect their payments and cause you to believe that they have more
power than they really do... and find out what you can do and say when
they approach you aggressively.
THE WORST CASE - Find out why foreclosure is not just the worst case
for you, but for the lender as well. This information can afford you
the leverage you need when negotiating a Loan Modification with your
lender!
SOFT EXPENSES - See how addressing your soft expenses lightly could
result in a payment that is still not affordable for you and find out
what to do to make sure the final negotiated monthly payment is both
affordable and in YOUR favor.
THE LOSS MITIGATION PEOPLE - Uncover the appropriate methods for
dealing with and communicating with the people in your bank's Loss
Mitigation department -- you'll want to READ THIS SECTION TWICE as it
is THAT important.
STEP BY STEP LOAN MODIFICATION - Discover the EXACT steps that you
can take to get YOUR loan modified, save your home, and lower you
payments -- even if you think your situation to be hopeless!
AND MUCH MUCH MORE...
Many millions of Americans will lose their home to foreclosure this
year, not because they couldn't save it, but because THEY DIDN'T KNOW
HOW TO SAVE IT.
With EZ Loan Kit, the ability to prevent foreclosure is now truly in
your hands, with all the information you need laid out in an easy to
understand step by step format.
There is really ONLY ONE THING THAT IS WORKING AGAINST YOU -- and
that is time. This means that you need to take fast action and put EZ
Loan Kit to work for you, beginning today.
And... because I want to give you EVERY chance of success so that
you CAN save your home, lower your interest rate, and lower your
payment, when you act right now, I'm also going to include this very
special bonus.
Special Fast Action Bonus... Sample Loan Modification Forms Valued
At $197!
Bonus : Sample Loan Modification Forms (Value $197)
I want to be certain that you have EVERYTHING YOU NEED in order to
begin the Loan Modification process.
I want to be sure that you have everything you need to prevent
foreclosure, lower your interest payments, and even lower your monthly
payment -- ALL AT THE SAME TIME!
That's why -- when you act today -- _I'm also going to include all
the example Loan Modification forms you need (for free)..._
Loan Modification Forms such as...
LOSS MITIGATION FAX COVER SHEET
EXAMPLE COVER LETTER
LOAN MODIFICATION PROPOSAL
REAL ESTATE CASH FLOW WORKSHEET
EXPENSE WORKSHEET
INCOME WORKSHEET WITH DISPOSABLE INCOME
EXAMPLE HARDSHIP LETTER
With the EZ Loan Kit, everything you need to begin saving your home
today is in now at hand, no matter how hopeless you think your
situation to be.
The bank does not want your home... _they don't want to foreclose. _
With the EZ Loan Kit and the bonus example forms you'll have both
the KNOWLEDGE AND THE POWER TO PREVENT FORECLOSURE and even lower your
interest rate and monthly payments.
Save Your Home And Save Thousands Of Dollars At The Same Time...
When you modify your loan with EZ Loan Kit, _you'll also discover
how you can lower your interest rate and your monthly payments._
This by itself could result in thousands (EVEN TENS OF THOUSANDS) of
dollars in REAL savings for you, without having to pay any points or
closing costs.
So, it probably wouldn't surprise you if EZ Loan Kit would cost
thousands or at least several hundred dollars to get started...
Well, I'd prefer you to be pleasantly surprised, AND I WANT TO HELP
YOU SAVE YOUR HOME. For this reason I'm NOT going to ask the thousands
of dollars that so called Loan Modification companies would ask of
you...
And for the same reason I'm not even going to ask hundreds of
dollars of you for EZ Loan Kit -- even though it's MORE than worth it.
No... if you commit to saving your home and you take action right
now, this entire kit that can save your home and save you many
thousands of dollars is yours for just...
$97... $77... $67... $47... $37... $27
Yes, you read that right. _Everything described above,_ including
the step by step EZ Loan Kit, Do It Yourself Loan Modification Kit --
AND the sample Loan Modification Forms are all yours for just the low
one time investment of $27!
Plus... I'M SO CONFIDENT THAT EZ LOAN KIT CAN HELP YOU SAVE YOUR
HOME and lower your payments that I am willing to offer this
unparalleled guarantee:
You Will Save Your Home Or Your Money Back!
The government and your bank both WANT you to save your home but you
have to follow proper protocols to make it happen.
Fortunately EZ Loan Kit makes all of this simple and fast for you --
so, yes, I KNOW FOR A FACT THIS MATERIAL AND EZ LOAN KIT CAN HELP YOU.
However... if for ANY reason within 8 weeks you decide this is NOT
for you... well then..._ just drop me an email and I'll issue you a
prompt and courteous refund!_
Every Second Is Precious So Take Action To Start Saving Your Home
Right Now...
I realize that this is a stressful time that causes a wide range of
emotions, but please let me reiterate that denial and delay are 2 of
the biggest reasons people lose their homes.
The foreclosure process is built around specific timelines and if
you let things go too far, then you risk losing everything -- AND YOU
DON'T HAVE TO LOSE A THING!
You should know that the government WANTS you to save your home.
The bank WANTS you to save your home too.
YOU want to save your home.
YOUR ONLY ENEMY HERE IS TIME, so it is critical that you take action
now. EZ Loan Kit is the answer you have been searching and hoping
for... and getting started is simple and fast.
Teddy Roosevelt once wisely said, _"In a moment of decision, the
best thing you can do is the right thing to do. The worst thing you
can do is nothing."_
THE "RIGHT" THING IS TO GET STARTED WITH EZ LOAN KIT AND SAVE YOUR
HOME.
The worst thing you can do is nothing. Click the secure order button
below for instant access to EZ Loan Kit now and get started saving
your home immediately!
All my best,
Mark Johns
EZ Loan Kit
PS - If you wish to save your home from foreclosure, lower your
interest rate and payments... then EZ Loan Kit is definitely for you.
I CANNOT STRESS ENOUGH -- however -- just how important for you that
you take action today. Waiting will only cause problems and make it
more difficult for you, so do not hesitate to get started.
PPS - I'm confident that you once you have seen the results for
yourself you'll be thanking the day you discovered my EZ Loan Kit.
However, if for ANY reason at all you are not completely satisfied,
simply email me for a 100% refund in full - no hassles and no
questions asked.
PPPS - Listen, you really CAN save your home with the help of my EZ
Loan Kit. But, you simply cannot delay a second longer. Yes, time is
indeed of the essence so, .
.:Risk Free Acceptance Form:.
Yes, Mark! I want to save my home and I am securing my copy of EZ
Loan Kit today!
I understand that by TAKING ACTION RIGHT NOW I will receive your
entire EZ Loan Kit by instant download.
Once I successfully complete my order you'll send me the step by
step details that tell me EXACTLY what I need to do to begin saving my
home and lowering my interest rate and payments. In fact, I'll receive
instant access to everything described below:
EZ LOAN KIT - This informative course explains everything I need to
know about modifying my mortgage loan and is laid out in an easy to
understand step by step format so I can begin saving my home as soon
as today.
SAMPLE LOAN MODIFICATION FORMS - The example Loan Modification Forms
remove ANY of the guesswork as you show me exactly which forms I need
-- AND how to fill them out properly to modify my loan and save my
home.
Time is of the essence and I realize that the most important thing
for me to do is to download my copy of EZ Loan Kit and the sample Loan
Modification forms right away.
Plus... you've removed ANY risk by giving me your 100% 8 week
satisfaction guarantee. It is on this basis that I am clicking the
secure order button below and _reserving my copy of EZ Loan Kit
immediately!_
128 bit secure order
U.S. Loan Modification Services
9550 S. Eastern Avenue, Suite 253
Las Vegas NV 89123
1-877-291-0250
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