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Do It Yourself Loan Modification
Our Bank Approved Modification Package includes the following:
- Loan Modification Instructions
- Cover Sheet (automatically populated with your lenders contact information)
- Loan Modification Request Letter (please sign)
- Income & Expense worksheets (please sign)
- Loan Modification Proposal - 3 pages
- Letter of Hardship (please sign)
- Qualifications Summary
- Real Estate Cash Flow Worksheet
- 4506-T
- Home Affordable Modification Program Hardship Affidavit
- Monthly Expense Worksheet
- Monthly Income Worksheet
- Market Value Analysis
- Cost of Foreclosure Analysis
- Asset Liquidation Analysis
- Foreclosure Estimated Loss
- Qualification Summary
- Loan Modification Instructional Guide (explaining how to modify your mortgage)
click here for more information and a sample do it yourself loan modification.
Price $49.00 - October 2009 Special ( Regular $249 )
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Forensic Loan Audit
We use the leading forensic auditing and compliance software to reveal violations and identify predatory lending practices in loan files. The Forensic Audits will identify:
- Predatory loan violations and predatory loan practices.
- Violations of RESPA (Real Estate Settlement Procedures Act) loan.
- Violations of HOEPA (Home Ownership and Equity Protection Act) loan.
- Violations of other federal, state and county laws and regulations.
- 125 quality control checks, using proprietary software
- Amount of finance charge.
- Annual percentage rate (APR).
- Payment schedule.
- Amount financed.
- Total amount of payments.
- Amortization schedule.
- Federal Truth in Lending Act Right of Rescission Tests (TILA/ROR).
- Forensic loan analysis requires the date the document was signed.
- For the purpose of a thorough forensic loan audit we require the last disclosure date.
- Right of rescission expiration date.
- HOEPA disclosure date (if applicable).
- HOEPA, State and local high costs.
- Usury rate ceilings percentage caps.
- Prohibited fees identified during a comprehensive loan document review.
- Fee percentage of dollar amount limits.
- Prepayment penalty prohibitions and limitations.
- Late fee dollar amount limits and length of late fee grace periods.
- Interest accrual start dates.
- Negative amortization prohibitions.
- Balloon payment prohibitions or term limitations.
- Payment and term limitations.
click here for more information and a sample forensic loan audit.
Price $495.00
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Qualified Written Request (QWR)
The provisions of RESPA which deal with mortgage servicing are generally found in either 12 U.S.C. 2605 or 2609. Section 2605, known as the "Servicer Act," requires servicers to respond to borrower requests for information and correction of account errors. The "Servicer Act" provisions are where you find the authority for a Qualified Written Request. The Servicer Act provisions in 2605 are significant because borrowers are given the right to sue for violations based on the express private right of action found in 2605(f).
- Complete life of loan transactional history;
- The Transaction Codes for the software platform of the Servicer;
- The Code definitions in plain English;
- The Key Loan Transaction history, bankruptcy work sheet, or any summary of all of the accounts in an XL spreadsheet format;
- The MERS Milestone Reports and the Edgar website address for the Pooling and Servicing Agreement, Prospectus and Prospectus Supplement;
- The name, address, name of a contact person and telephone number of the current holder and owner of the mortgage note;
- Copies of all collection notes and communications files;
- An itemized statement of the amount needed to fully reinstate the loan;
- All communications with any non-lawyer third-party providers; and
- All Form P-309 screen shots of all system accounts.
click here for more information and qualified written request.
Price $149.00
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"YES YOU CAN" Bundle - Loan Modification, Forensic Loan Audit, and Qualified Written Request (QWR)
Do It Yourself Loan Modification
- Fax Cover sheet with your Banks Fax number, Phone numbers and address to the loss mitigation office handling loan modifications.
- Loan Modification Request Letter.
- Loan Modification Proposal.
- Detailed Monthly Expense Worksheet.
- Detailed Monthly Income Worksheet.
- Your Personalized Hardship Letter.
Forensic Loan Audit
- Predatory loan violations and predatory loan practices
- Violations of RESPA (Real Estate Settlement Procedures Act) loan.
- Violations of HOEPA (Home Ownership and Equity Protection Act) loan.
- Violations of other federal, state and county laws and regulations.
Qualified Written Request
- Complete life of loan transactional history;
- The Transaction Codes for the software platform of the Servicer;
- The Code definitions in plain English;
- The Key Loan Transaction history, bankruptcy work sheet, or any summary of all of the accounts in an XL spreadsheet format;
- The MERS Milestone Reports and the Edgar website address for the Pooling and Servicing Agreement, Prospectus and Prospectus Supplement;
- The name, address, name of a contact person and telephone number of the current holder and owner of the mortgage note;
- Copies of all collection notes and communications files;
- An itemized statement of the amount needed to fully reinstate the loan;
- All communications with any non-lawyer third-party providers; and
- All Form P-309 screen shots of all system accounts.
click here for more information on our "YES YOU CAN" bundle.
Price $600.00
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Full Service Loan Modification, Forensic Loan Audit & Qualified Written Request (QWR)
- Licensed Attorney's in ALL 50 States !
- Free Consultation
- Underwriting Guidelines from ALL major lenders
- Incredible Customer Care US based
- We ONLY work with homeowners that have been Pre-Approved !
- Straight Answers to Tough Questions
- Credit Restoration services available after completed modification
Let Our Team of Mitigation Specialists Help You Save Your Home
With nearly 30 years of combined Loss Mitigation Experience.
click here for more information on a full service loan modification.
Price $1599.00
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