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Do I need to be behind in my mortgage to qualify for a loan modification?

No, you simply need to demonstrate the fact that the loan has become or will become unaffordable.

What is a loan workout?

A loan workout is just another term for loan modification.

What is the most commonly approved loan modification?

The most common modification approved by lenders is modifying your adjustable rate loan that is affordable now but will not be affordable when the loan adjusts.

Can I reduce my principal balance with a loan modification?

While it is possible, it is not common for lenders to approve this loan modification. Except in extremely rare cases, lenders have generally not begun to offer homeowners principal reductions as of yet. There is some proposed legislation that may cause lenders to begin to do this in the near future.

My home is in foreclosure. What are the right foreclosure solutions for me?

Our consultants look at your case individually based on your financial situation, past and present. We want to stop your foreclosure, keep you in your home, and establish a financial plan with mortgage payments you can truly afford. We want to give you a permanent solution to avoid losing your home to foreclosure.

How long does it take to complete a loan modification?

While there is no way to determine how long it will take to complete your loan modification, once you are preapproved by our company, the whole process should be completed within 30-60 days. Sometimes it is faster than that, but that is the average timeframe.

My home is being sold at auction next month. Is it too late to help me?

No, it is never too late. However, if you truly want to save your home, you need assistance right away. You can call us and we can determine if you qualify for a loan modification. If you qualify, we can work with your lender to postpone your sale date, complete the loan modification, and ultimately save your home from foreclosure.

What if you determine that I don't qualify for a Loan Modification?

Learning that you don't qualify is one of the most valuable services we provide. This will save you endless hours and possibly thousands of dollars. It is important to understand why you may not qualify. Once you know, you still may be able to make adjustments that will result in a Loan Modification Approval from your lender.

Can you guarantee that I will be approved for a Note Modification after completing your preliminary work?

No, each mortgage lender has their own specific guidelines that need to be met before they approve a loan modification. However, we can guarantee that we will not pay anything to us until your loan modification is approved and finalized. If it's determined that you do not qualify, we will work with you to determine additional options you can take to save your home.

There are a lot of companies offering Loan Modifications. Why should I work with The Loan Modification Foundation?

At The Loan Modification Foundation, we work with you to determine what is the best option for your situation. If your goal is to save your home, then we will do everything in our power to help you do that. A lot of companies offering to fix your loan just collect a fee from you and you never hear from them again. There are millions of homeowners who need somebody they can really trust to go to for more information. Basically, if you ask a question, you need an honest response. For example, a homeowner can deal with their bank directly and not pay a service fee to anyone. At no charge to you, we let you know if you will qualify for a loan modification. Once you qualify, we have a highly trained team of people that follow up on your loan every day with your lender to get status. We understand that our clients are working and don't necessarily have time to spend sitting on hold waiting to talk to their mortgage lender. We devote our time and energy to saving your home. You are important to us and we will do everything we can to help you.

The HAMP Guide Program

The HAMP Guide Program is the only Comprehensive Loan Modification Guide in the market that gives you the power to modify your mortgage on your own while saving you thousands of dollars. The Program also includes:

• FREE Unlimited Phone Support
• Detailed Step by Step Instructions on How to Modify your Loan.
• ALL Documents required for Loan Modification
• FREE Review of all documents for mistakes.
• Tips on how to talk to your Mortgage Lender.
• 30 Day Unconditional Money Back Guarantee

Click here to order now. For a limited time only, you can get the entire program for only $47. You will be able to download The HAMP Guide Program immediately after purchase.

If you wish to learn more, please click here.