I just wanted to share my experience with my lender and trying to get a loan modification. First let me just say how unhelpful my lender was. They were rude on the phone, and acted like they simply didn’t care about me or my situation. All they seemed concerned about was telling me NO! I felt like I was in the capital one commercial with David Spade where he comes up with a 101 different ways to say NO. It was all good though because in the end I had the last laugh as I was signing my final modification documents. Let me tell you I did it.

After months of struggling to get a modification, the company I paid was getting nowhere. They finally gave up and sent me a letter saying so. That was when I turned to a realtor friend of mine who told me in the beginning to save my $1200 and go with The National Loan Modification Conference’s DIY Kit. He said that he has sent about 100 clients to them and every last one was able to get a loan mod on their own with just a little bit of guidance from using the National Loan Modification Conference’s DIY Kit. So I said, “What the hell, what have I got to lose at this point?” So I went to their website found here diy loan modification

I watched their video on the main page and read their testimonies. I must say right from the beginning I felt I could relate to what others had said. I also noticed something special about the National Loan Modification Conference’s DIY Kit from their video. They actually give the exact same program the lenders are using to you, and they train you on how to use it. I tried searching around the net a bit to see if I could find the same program and couldn’t. They seemed to be the only ones who had it. So I bought the kit which was very reasonably priced at only $99. I logged on and was taken back by all the information at my disposal. They provided all the bank guidelines on every program possible. Even programs I had never even heard of. Their training videos were very helpful as well.

So I got started. What surprised me was by day 7 in the process I get an email telling me that I should have already done a bunch of things by now and to call my lender to check up. What was even more impressive was the fact that they provided exactly what to say. Talk doing it yourself but not by yourself!
So after following the step by step instructions by month 2 I had a package delivered to my door. What was inside…my trial plan. By month 6 I received another package. What was inside this time…my completed loan modification!

Needless to say, I now recommend the National Loan Modification Conference’s DIY Kit to anybody trying to get a loan modification. As a matter of fact, you have to be a complete fool to not use this KIT when trying to get a loan modification. Again for those interested you can find the kit here diy loan modification

I know if you follow the steps you will have the same success as I did.

Bloggers that are searching through the web for more information about retirement investing, then please make sure to check out the web site that was mentioned in this passage.

Short sales have long been considered the most unpleasant form of real estate transaction. Nevertheless, many homeowners in southern California are turning to them as a way to improve their financial situation. At Able Financial Solutions, we consider short sales to be as uncomfortable as they are costly, but we also recognize that under certain situations, they are the best option for both homeowners and lenders. 

Here is our policy on finding short sale solutions for you:

mortgage modification 1: Try a Loan Modification First
Indeed, you should fully exhaust all possible options for loan modification before considering a short sale. Our Iron Clad Guarantee promises that you will pay naught for attempting a loan modification unless it is successful. We also promise that you won’t have to pay us until you have a modified mortgage in your hand. Because we remove all of the upfront risk to loan modification, we strongly encourage you to try a loan modification with Able Financial Solutions before moving forward with a short sale. 

Step 2: Talk to Us About Your Options for Short Sale
Short sales carry with them two downsides:

mortgage modification

• For Homeowners — Once a short sale is complete, you will have to vacate your home and find somewhere else to live. You have to plan effectively to endure this challenge.
• For Lenders — Short sales are excessively expensive for lenders, which makes them unlikely to pursue them without an aggressive negotiation.

When we discuss your short sale options with you, we will help you develop a plan to combat both of these challenges. You will be provided with a realistic estimate of what your financial situation will look like after a short sale so that you can plan early for you and your family. We will also explore your lender’s interests to determine what leverage we can bring to the short sale negotiation that will help you to seal the deal. 

mortgage modification 3: Execute the Short Sale
Short sales can take between 150 and 200 days to complete in southern California, and they can be a painful process to go through. Able Financial Solutions places a premium on execution during the loan modification process, and this same aggressiveness is pursued during short sales. We will keep the pressure up on your lender, and keep you fully informed of the status at each critical step in the negotiation.