Okay, you know you need a modification and the whole process seems a bit daunting. Well, I’ve got good news for you…

You can handle this!

It’s true. Anybody can handle their own loan modification with a little guidance and help on the side. Some people just don’t want to deal with their lenders and that is fine. However, your lender would prefer to deal with you and the process may even go faster if they deal with you directly.

What Are Your Options?

Okay, there are a lot of different options out there and that is what makes this whole process a little intimidating. You can use a third party, you can go through one of the free government services like HUD or NACA, or you can handle your modification yourself.

A lot of people just want to give their information to another company and let them deal with their lender. Sounds easy and that’s why it is too good to be true. All of these companies are overwhelmed with files and that’s not because their files are closing and everyone loves them. It’s partly because maybe they did some television or radio ads and they caught the eye or ear of a homeowner in need. Then the company’s phone lines were ringing off the hook and they had an overwhelming number of modification applications.

So what?

Well I can tell you first hand these companies don’t know what they are doing. How do I know? I talk to their customers on a daily basis. More than half of their clients come to us because they’ve never heard from the company after they paid the up front fee or they were told a lot of B.S. that just seemed a little suspicious. Then you go to the better business bureau website (www.bbb.org) and there are tons of complaints about the various loan modification companies. Furthermore, I just got off the phone with a consultant from another loan modification company who needed his own modification done. He wanted me to walk him through how to do his financial worksheet. The guy is a friend of mine so I didn’t want to put him on the defensive. At the same time, I have to tell you that I was afraid for their customers if the person handling the modifications for this company doesn’t have a full understanding on how to submit an application to a lender. It’s really scary and I feel bad for their customers.

What Can You Do?

Anyone who calls our offices knows we don’t mess around. We tell you exactly what you should do and sometimes it’s not what you want to hear. Because things have gotten so bad with scams in the marketplace, we’ve created a program for you to handle your modification on your own.

What’s Different About Our Program?

First of all, our program tells you EXACTLY what you need to get your loan modified. We try to break it down for you so you are clear on everything you need to do. We give you the forms and all of the information you would need to get your loan modified. When your filling out your financial worksheet, we will go over it with you on the phone to make sure it is done correctly and puts you in the best position for modification. Yes, it’s true this whole service is $97. Yes, it is $97. Everything we provide to you: program, forms, phone support, webinars with attorneys, etc. The total for all of it is $97. As you can tell, we are not trying to profit from this when you see al of these other companies charging you upwards of $3000 for your modification. Save your money and try it on your own. I promise you it’s something you can handle.

You can access the program at www.HAMPGUIDE.ORG. It’s called The HAMP Guide Program which is based off the “Obama Plan.” Believe it or not, I’m not trying to plug this program. If you purchase the guide, great. If not, I hope you find something that works for you. I’m just tired of everyone forking over thousands of dollars to these outside companies that don’t even know how to submit an application to a lender. They can sell you on the fact that they can get you 2% but they don’t actually know how to do it.

Why Should You Trust Us?

I realize trust is a tricky thing. The only thing I can say is that we have never had one complaint on the www.bbb.org site and I think we are the only loan modification company that can say that. It’s true. We only have people raving about their experience with us. We’ve been doing this ever since the market took a turn for the worse so its been awhile now. That’s why I don’t have to convince you. Other people are speaking for us and obviously they trusted us. We didn’t let them down. We won’t let you down either.