Proven Effective by Homeowners Just Like You!
You don't have to pay a loan modification company or an attorney to resolve your situation, you can do-it-yourself.
Use the ToolBox today. Lower your payment tomorrow.
Updates
- July 2009 Releases v2.0 for $99.99 (Español coming soon)
- July 2009 Publishes article on eHow.com
- July 2009 Launches Blog and Twitter
- July 2009 New HUD expansion program for homeowners who are upsidedown on their mortgage information
- June 2009 Lender correspondence, instructions, and conversation log addition.
- June 2009 Obama's Making Home Affordable eligibility guidelines sheet and reference information
- May 2009 Bank and lender loan modification requirements and guidelines update.
Features and Benefits
- Learn About the Loan Modification Process
- Use the Tools, Information, and Resources
- Prepare and Submit an Effective Loan Modification Proposal
- Work and Follow Up Directly with Your Lender
- Save Time and Money
It's easy-to-understand: Includes instructions guiding you through each step of the loan modification process.
It's complete: The ToolBox is loaded with tools, resources, references, and documents you will need to submit your loan modification.
It has options: Choose a document service option for additional help before you submit your paperwork to your lender.
- Do-it-Yourself: Complete your financial worksheets and hardship letter, meet loan modification requirements, contact lender, submit loan modification, and follow up.
- Do-it-Yourself + Review: Complete your financial worksheets and hardship letter, send us all your paperwork and let us review it, we'll send it back to you with recommendations and a seal of approval, you submit it to your lender and follow up. *Research, analysis, and service fees apply.
- Do-it-Yourself + Preparation: Provide us with all your financial and hardship information, we'll complete the paperwork and send it back to you, you contact your lender, submit your paperwork, and follow up. *Research, analysis, and service fees apply.
It's affordable: Use v2.0 to lower your payment for only $99.99 plus tax, shipping, and handling.
How it Works
1. Financial Hardship
The circumstances affecting your income and ability to maintain mortgage payments.
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2. The Financial Freedom ToolBox
A do-it-yourself loan modification program developed for homeowners who need to lower their mortgage payment by modifying the terms of their loan.
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3. Steps, Instructions, Tools, and Resources
Get qualified, collect financial documents, complete financial worksheets, calculate surplus income, write your hardship letter, and meet lender loan modification requirements.
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4. Banks and Lenders
Submit your loan modification paperwork, follow up, negotiate loan terms, and receive an offer.
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5. Resolution
Modify loan terms and lower your payment by reducing the interest rate and/or the principle balance of your loan to avoid foreclosure.
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The Financial Freedom, NEW Do-It-Yourself Loan Modification ToolBox v2.0 just released!
$99.99 plus tax, shipping, and handling.
For a Limited Time Only.
>> Click here to find out more |
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Resource Center
ToolBox Contents
| Loan Modification BluePrint
If you don't have a clue about loan modification, we've developed a BluePrint that outlines the entire loan modification process.
It's large, colorful, and spells it all out by highlighting the steps involved in do-it-yourself loan modification. |
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Loan Modification Action Plan
Knowing about loan modification isn't enough, let's apply what we've learned and follow a plan making the process even easier.
Complete with a list of tasks and a timeline, you'll know what you need to do and when you need to do it by so you can meet your deadlines. |
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The Four (4) Steps to Completing Your Loan Modification
That not enough? Well guess what, we created an instructional guide to with over 26 + pages providing you with detailed step-by-step instuctions from start to finish.
You'll learn how to:
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Qualify
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Collect financial documents
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Complete financial worksheets
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Calculate your surplus income
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Write your hardship letter
- Meet your lenders loan modification requirements
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Loan Modification Workbook
Use the workbook and fill out borrower statement of information, asset, income, expense worksheet, surplus income worksheet, and draft your hardship letter. |
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Lender Directory and Loan Modification Requirements
The lender directory contains lender information such as direct phone numbers, fax lines, departments and contact information for most major lenders.
The directory lists each lenders specific loan modification requirements including surplus income amounts, debt-to-income ratio's, and other guidelines lenders look for when approving loan modifications. |
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Financial Documents on CD-ROM includes blank templates, worksheets, and more...
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New! Affordablity Guidelines Inside! |
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