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: loan modification, loan modifications, mortgage loan modification, federal loan, modification, loan modification companies, home loan modification Mom Raps About Foreclosure 05 Apr 2011 I'm sick of these banks taking our homes and pocketing all the money! Here's my story - and I decided to rap it! 0 Comment   Failed Banks The FDIC is often appointed as receiver for failed banks. This page contains useful information for the customers and vendors of these banks. This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership. Is you bank owned by Fannie Mae or Freddie Mac? 1-800-7FANNIE (8am to 8pm EST) www.fanniemae.com/loanlookup 1-800-FREDDIE (8am to 8pm EST) www.freddiemac.com/mymortgage The FDIC is often appointed as receiver for failed banks. This page contains useful information for the customers and vendors of these banks. This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership. Failed Financial institution Contact Search displays point of contact information related to failed banks. This list includes banks which have failed since October 1, 2000. To search for banks that failed prior to those on this page, visit this link: Failures and Assistance Transactions Bank Name Closing Date Updated Date Pinnacle Bank of Oregon, Beaverton, OR February 13, 2009 February 13, 2009 Corn Belt Bank and Trust Company, Pittsfield, IL February 13, 2009 February 13, 2009 Riverside Bank of the Gulf Coast, Cape Coral, FL February 13, 2009 February 13, 2009 Sherman County Bank, Loup City, NE February 13, 2009 February 13, 2009 County Bank, Merced, CA February 6, 2009 February 6, 2009 Alliance Bank, Culver City, CA February 6, 2009 February 6, 2009 FirstBank Financial Services, McDonough, GA February 6, 2009 February 6, 2009 Ocala National Bank, Ocala, FL January 30, 2009 January 30, 2009 Suburban Federal Savings Bank, Crofton, MD January 30, 2009 January 30, 2009 MagnetBank, Salt Lake City, UT January 30, 2009 January 30, 2009 1st Centennial Bank, Redlands, CA January 23, 2009 January 23, 2009 Bank of Clark County, Vancouver, WA January 16, 2009 February 5, 2009 National Bank of Commerce, Berkeley, IL January 16, 2009 February 5, 2009 Sanderson State Bank, Sanderson, TX En Español December 12, 2008 February 5, 2009 Haven Trust Bank, Duluth, GA December 12, 2008 February 5, 2009 First Georgia Community Bank, Jackson, GA December 5, 2008 February 2, 2009 PFF Bank and Trust, Pomona, CA November 21, 2008 February 2, 2009 Downey Savings and Loan, Newport Beach, CA November 21, 2008 February 2, 2009 The Community Bank, Loganville, GA November 21, 2008 February 5, 2009 Security Pacific Bank, Los Angeles, CA November 7, 2008 February 2, 2009 Franklin Bank, SSB, Houston, TX November 7, 2008 February 2, 2009 Freedom Bank, Bradenton, FL October 31, 2008 February 2, 2009 Alpha Bank & Trust, Alpharetta, GA October 24, 2008 February 2, 2009 Meridian Bank, Eldred, IL October 10, 2008 February 10, 2009 Main Street Bank, Northville, MI October 10, 2008 February 10, 2009 Washington Mutual Bank, Henderson, NV and Washington Mutual Bank FSB, Park City, UT September 25, 2008 February 2, 2009 Ameribank, Northfork, WV September 19, 2008 February 5, 2009 Silver State Bank, Henderson, NV En Español September 5, 2008 February 5, 2009 Integrity Bank, Alpharetta, GA August 29, 2008 February 5, 2009 The Columbian Bank and Trust, Topeka, KS August 22, 2008 February 2, 2009 First Priority Bank, Bradenton, FL August 1, 2008 February 5, 2009 First Heritage Bank, NA, Newport Beach, CA July 25, 2008 February 5, 2009 First National Bank of Nevada, Reno, NV July 25, 2008 February 5, 2009 IndyMac Bank, Pasadena, CA July 11, 2008 February 5, 2009 First Integrity Bank, NA, Staples, MN May 30, 2008 February 2, 2009 ANB Financial, NA, Bentonville, AR May 9, 2008 February 5, 2009 Hume Bank, Hume, MO March 7, 2008 February 5, 2009 Douglass National Bank, Kansas City, MO January 25, 2008 February 5, 2009 Miami Valley Bank, Lakeview, OH October 4, 2007 February 2, 2009 NetBank, Alpharetta, GA September 28, 2007 February 2, 2009 Metropolitan Savings Bank, Pittsburgh, PA February 2, 2007 February 2, 2009 Bank of Ephraim, Ephraim, UT June 25, 2004 April 9, 2008 Reliance Bank, White Plains, NY March 19, 2004 April 9, 2008 Guaranty National Bank of Tallahassee, Tallahassee, FL March 12, 2004 February 2, 2009 Dollar Savings Bank, Newark, NJ February 14, 2004 April 9, 2008 Pulaski Savings Bank, Philadelphia, PA November 14, 2003 July 22, 2005 The First National Bank of Blanchardville, Blanchardville, WI May 9, 2003 February 2, 2009 Southern Pacific Bank, Torrance, CA February 7, 2003 October 20, 2008 The Farmers Bank of Cheneyville, Cheneyville, LA December 17, 2002 October 20, 2004 The Bank of Alamo, Alamo, TN November 8, 2002 March 18, 2005 AmTrade International Bank of Georgia, Atlanta, GA En Español September 30, 2002 September 11, 2006 Universal Federal Savings Bank, Chicago, IL June 27, 2002 April 9, 2008 Connecticut Bank of Commerce, Stamford, CT June 26, 2002 February 2, 2009 New Century Bank, Shelby Township, MI March 28, 2002 March 18, 2005 Net 1st National Bank, Boca Raton, FL March 1, 2002 April 9, 2008 NextBank, N.A., Phoenix, AZ February 7, 2002 February 2, 2009 Oakwood Deposit Bank Company, Oakwood, OH February 1, 2002 February 2, 2009 Bank of Sierra Blanca, Sierra Blanca, TX January 18, 2002 November 6, 2003 Hamilton Bank, N.A., Miami, FL En Español January 11, 2002 February 2, 2009 Sinclair National Bank, Gravette, AR September 7, 2001 February 10, 2004 Superior Bank, FSB, Hinsdale, IL July 27, 2001 February 2, 2009 The Malta National Bank, Malta, OH May 3, 2001 November 18, 2002 First Alliance Bank & Trust Company, Manchester, NH February 2, 2001 February 18, 2003 National State Bank of Metropolis, Metropolis, IL December 14, 2000 March 17, 2005 Bank of Honolulu, Honolulu, HI October 13, 2000 March 17, 2005 Financial News

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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