Property & Loan Information Property State Please Select Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington D.C. West Virginia Wisconsin Wyoming Approx Property Value Please Select $0 - $99,999 $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $274,999 $275,000 - $299,999 $300,000 - $324,999 $325,000 - $349,999 $350,000 - $374,999 $375,000 - $399,999 $400,000 - $424,999 $425,000 - $449,999 $450,000 - $474,999 $475,000 - $499,999 $500,000 - $524,999 $525,000 - $549,999 $550,000 - $574,999 $575,000 - $599,999 $600,000 - $624,999 $625,000 - $649,999 $650,000 - $674,999 $675,000 - $699,999 $700,000 - $724,999 $725,000 - $749,999 $750,000 - $774,999 $775,000 - $799,999 $800,000 - $824,999 $825,000 - $849,999 $850,000 - $874,999 $875,000 - $899,999 $900,000 - $924,999 $925,000 - $949,999 $950,000 - $974,999 $975,000 - $999,999 over $1,000,000 Mortgage Payment Status Select Current 1 Month Late 2 Months Late 3+ Months Late Total Loan Balance Please Select $0 - $99,999 $100,000 - $124,999 $125,000 - $149,999 $150,000 - $174,999 $175,000 - $199,999 $200,000 - $224,999 $225,000 - $249,999 $250,000 - $274,999 $275,000 - $299,999 $300,000 - $324,999 $325,000 - $349,999 $350,000 - $374,999 $375,000 - $399,999 $400,000 - $424,999 $425,000 - $449,999 $450,000 - $474,999 $475,000 - $499,999 $500,000 - $524,999 $525,000 - $549,999 $550,000 - $574,999 $575,000 - $599,999 $600,000 - $624,999 $625,000 - $649,999 $650,000 - $674,999 $675,000 - $699,999 $700,000 - $724,999 $725,000 - $749,999 $750,000 - $774,999 $775,000 - $799,999 $800,000 - $824,999 $825,000 - $849,999 $850,000 - $874,999 $875,000 - $899,999 $900,000 - $924,999 $925,000 - $949,999 $950,000 - $974,999 $975,000 - $999,999 over $1,000,000 Who is Your Lender Monthly Income Please Select less than 1000 1001 - 2000 2001 - 4000 4001 - 5000 5001 - 8000 8001 - 10000 over 10000 Are you experiencing financial hardship? Please Select Adjustable Mortgage Rate Reset Loss of Job Reduced Income Failed Business Job Relocation Divorce Death of Spouse or Co-Borrower Illness Incarceration Military Duty Medical Bills ---------- Other None Fixed/Adjustable Loan -- Select -- Fixed Adjustable Contact Information First Name Last Name Primary Phone Email Past Due on Credit Cards? Current 30 days 60 days Over 60 days Unsecured Debt Select $0 - $4,999 $5000 - $7,499 $7500 - $9,999 $10,000 - $14,999 $15,000 - $19,999 $20,000 - $29,999 $30,000 - $39,999 $40,000 - $49,999 $50,000 - $59,999 $60,000 - $69,999 $70,000 - $79,999 $80,000 - $89,999 $90,000 - $99,999 $100,000+ Related Keywords: 60 minutes, housing shock, loan modification, loan modifications, mortgage loan modification, federal loan, modification, loan modification companies, home loan modification 60 Minutes - The Next Housing Shock 05 Apr 2011 60 Minutes- We have not hit the bottom of home prices. The Next Housing Shock is soon to come. Banks Can't find mortgage documents. Now what? 0 Comment   Countdown to March 29 Prepare for a National Call In Day to our 50 state Attorneys General Ask A question This week, the state Attorneys General will begin negotiations with the big banks on the terms of the settlement to their fraudulent practices. While the final details will take weeks to hammer out, the opening salvo will determine what stays on – or gets kicked off – the negotiating table. The stakes couldn’t be higher. On Tuesday March 29, thousands of Americans will participate in a nationwide call-in day, demanding that their Attorney General “stand with homeowners, not the big banks.” For years, homeowners have been engaged in a lopsided fight with the nation’s largest banks to save their homes. The big banks have bullied and bribed their way towards ensuring that they don’t have to help homeowners, even if it means breaking the law. At every step along the way, the very people and institutions that are supposed to protect homeowners have instead given in to the big banks. Millions have lost their homes needlessly. The state Attorneys General could change all of this. They can step up and do what nobody else has had the guts to do – stand firmly on the side of homeowners and go toe-to-toe with the big bankers. We have begun to make this change, but we need to keep the momentum going. To prepare for March 29, we need to build our forces. Tell your friends and family to join us as we enter the final stage of this struggle. You can like our Facebook page to spread the word about March 29, get the latest news on the settlement process, share your stories and opinions, and much more. The Attorneys General need to pick a side – the millions of homeowners they’ve sworn to protect or the big banks that have bankrupted our communities and country. Let’s help them make the right decision. March 29, 2011 by tvs; © 2011 Crime Shouldn't Pay 0 Comment   Comment   No Comment Found! Post a Comment   Name: Email: Comment:

If you need help understanding your option of taking advantage of the home loan modification process, the help is available to you everywhere. The process is quite tricky and it is highly recommended that you do indeed seek legal advice before signing on the dotted line, in order receive the most efficient and cost-effective modification to your mortgage payment.

Where do I get Advice
There is advice all over the web on how to receive a loan modification; some of this advice is quite helpful, while some is quite dreadful. There is also the opportunity to hire a professional service that will help you go through the paperwork and work with the lender to help you get all the benefits that you deserve, due to a hardship. Loan modification is a process that must be understood completely and thoroughly. This article can actually offer you an insight on the process of loan modification and tips that will better help you as a homeowner save your home from the risk of a foreclosure.

Loan Modification Advice
First and foremost, it is important to determine if you are eligible for a loan modification. This requires writing a letter of hardship explaining to the lender what exactly the reason is for your late payments and the fact that you are unable to pay your mortgage. Doing a loan modification on your own requires more than just advice. Becoming educated about the process is more important. This is perhaps a good reason to hire a professional loan modification company to take part in the process. They will handle everything for you, while educating you in the progression. There is a fee charged for hiring these companies, but in turn your mortgage payment can be lowered quite a bit and professionals can even find things in your original loan papers that may prove that the lender may have broken the law during your original mortgage signing.

If you do choose to take the big leap of the loan modification process on your own, you must first contact the lender and they will lead you to the correct department, normally the loss mitigation department. You may not want to directly say that you are in the process foreclosure. We do not want the lender to think your situation is not worth their time before hearing you out. Always document anything relating to the loan modification process, every phone call and any other information you may receive during the process must be documented. Always discuss every option available with your lender, so that you may come up with the best alternative for you. It is true you will save money going directly through your lender and let’s face it, you are struggling already trying to make your payments, but professional assistance can help immensely.

No matter what direction you decide to take, loan modification will be what determines the amount of time you have in your home. If you are eligible you should act as soon as possible.

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