My point is not to scare you but to show that when dealing with your servicer or lender do not assume you are being helped no matter what you are told the modification you are offered is often arbitrary and wrong.
The above only covers the submission documentation and ideally the DIY loan modification kit will provide guidance and explanations of:
What a lender looks for in approving or disapproving a loan modification request
What kills a deal
what increases success so that your case can be submitted in the best possible light for the best possible mortgage modification.
what information you are requited to disclose and what is voluntary and when it would and would not benefit you to disclose that information.
What is important for a successful loan modification and what is unimportant
What your rights are in a loan modification
What items and time limits you can demand, enforce or request that the lender comply with
Who you report to if you believe that HAMP guidelines are not being followed in your case
Exactly what recourse you have to enforce compliance.
After the submission the DIY Loan Modification Kit should provide step by step direction on exactly what to do next:
Verifying receipt of submission
How to create and keep phone and correspondence log files
How often you should call (The only correct answer is daily the lender is required start or disapprove either a trial or permanent loan modification with in 30 days of receiving a complete loan modification request. You can get a loan modification approved in 2-3 weeks but you have to know your rights to enforce them.)
How to negotiate with your lender (This is where Audio and Video presentations of actual negotiation recordings are invaluable)
How to tell when you are being offered a good deal and when to turn down a lender offer
How to tell when you are not going to get a better deal
When you need to throw in the towel and work out an exit strategy with your lender
Step by step instructions would also cover the handling for the various scenarios that come up in loan modifications
There should be lots of examples throughout the entire DIY loan modification kit that is very clear and easy to follow.
The end product is that you walked competently and expertly through the process to modify your own home loan just by following the step by step instructions.
(Again my advice: If you are going to do your own loan modification follow this DIY Mortgage Modification Kit step by step exactly as written. You will get results with this program)
I Almost Gave Up On Finding Decent DIY Loan Modification Kits
I used to get and read all the DIY Loan Modification Kits looking for one I could refer until I got fed up with the garbage. Most were just re-writes of someone else's DIY Loan Modification Kit.
Some how at the end of it all it never answered the question "What do I do now to save my home?".
I came to the conclusion I was not going to find what I needed and that I would have to write my own DIY Loan Modification Kit. That is something I would like to do but really do not have the months needed to produce a really good product, if only I could find a DIY Loan Modification Kit that had everything I wanted right there in the kit. I had to keep looking or take the months needed to write and compile a true DIY Loan Modification Kit.
This DIY Loan Modification Kit Is The Exception To The Rule
Occasionally I come across a product I think is good. The 60-minute Loan Modification Workbook is that product and will walk you through the loan modification process from start to finish.
Gain The Competence You Need To Submit And Negotiate Like A PRO - With Real Insider Advice On How To Negotiate Your Loan Modification
I have been doing Loan Modifications for a while now and I know that the first offer from the lender rarely is a good deal. It is almost an iron clad Loan Modification Insider Rule No. 1 "Never take the first lender offer." This is the first and only DIY Loan Modification Kit I have ever seen give insider information like this. (There are exceptions to the rule like when the lender accepts your offer with no counter offer or occasionally even makes a better offer than you proposed. You have to recognize a good deal when you see it and take it. The Point Is you do not take a bad deal just because it was offered.)
Mike Rockwood knows what he is talking about and his guide 60-minute Loan Modification Workbook is the first DIY Loan Modification Kit I have seen with real insider advice on negotiating with your lender. Mike even includes phone recordings of negotiations with lenders as well as 60 days of coaching so you get the best loan modification possible.
Gain Certainty On How To Negotiate Your Modification Hear Actual Recordings Of Negotiations with Lenders And Hear How Negotiations Are Successfully Done
This DIY Loan Modification Kit over delivers and has more than I was originally looking for. The recordings of the negotiations with lenders was not something that I thought of but now is something I would require for a complete DIY Loan Modification Kit. I recommend these recordings to train negotiators on how to negotiate mortgage modifications. Hear first hand what happens in the negotiation and hear exactly what works and how it is done. You will gain the certainty and confidence you need to get the best modification possible.
Be Walked Through Your Loan Modification From Start To Finish
I am not kidding when I say this DIY Loan Modification Kit will walk you through the entire loan modification process from start to finish with confidence and certainty. You will know you have a professional submission and will be ready to negotiate for the best terms.
Get The Confidence You Need To Do Your Own Loan Modification
If you plan on doing your own loan modification this is the DIY Loan Modification Kit to have at your side. You will gain the confidence that you know exactly what you are doing and the certainty to do it.
Submit Your Mortgage Modification Like A Pro
Everything you need is supplied in this DIY Loan Modification Kit plus 60 days of coaching and the priceless lender negotiation recordings so you hear exactly what to say to your lender and more importantly how to say it.
(These recordings are worth more than the entire cost of the guide, it took me years to learn everything that Mike is laying out for you here. I recommend this DIY Loan Modification Kit to professionals just so they can listen to these recordings.)
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Don't know where to start but want to modify your loan yourself? Don't blow your chance. Get the help you need to do it yourself the right way. Submit and negotiate like a PRO - now with insider advice on how to negotiate a better modification
Facing foreclosure? No worries, make it stop now! If you don't know your rights you can't know your options! Armed with the proper information you can fight back and put lenders on the run or stop collectors dead in their tracks with a nearly 100% success rate. Want to see how?