Dear Homeowner,

My name is Darrell Rigley. I have been a real estate investor and financial consultant for the past ten years. I have seen home prices soar to astronomical levels only to come tumbling down as a result of the sub prime mortgage mess on Wall Street. Unfortunately, I know that many of you are now stuck in mortgage loans with variable interest rates. You have seen your payments rise just as the economy is in a recession. My heart goes out to you. But the time for kicking a can and hiding under the covers is over. It's time that you do something to get yourself out of this mess. I wrote the EZ Loan Modification Hero for one reason: to help you save your home.

Foreclosure Fear

• Credit Suisse report forecasts that as many as 8 million homeowners could face foreclosure over the next five years


• One in ten homeowners in the U.S. are now in default with their lender. Experts predict that in the next 12-18 months that number will double to more than 20 million households, with many others on the verge. This is nearing epidemic proportions.

Here Is The GOOD NEWS!

• Lenders intervened to help prevent 239,000 foreclosures in December, 2008. Banks are taking aggressive action right now to prevent foreclosure.


• For all of 2008, the number of approved loan modifications approached 2.3 million This number will keep growing.


• The Obama administration has officially pledged $50 billion to help homeowners avoid foreclosures. Banks are using a portion of this money to help homeowners like you to modify their mortgages
  1. How to modify your loan by contacting the bank directly
  2. How and why you might want to use the services of a third party such as an attorney or loan modification company
  3. Secret strategies for negotiating with your lender that can lower your interest rate to as low as 5%
  4. Exactly how the bank thinks. This helps you understand your own position and gives you leverage in the negotiation process
  5. The exact steps the bank will take during foreclosure and you will have access to the foreclosure timetable for all 50 states, giving you valuable information about how much time you have to save your home before the final auction
  6. Precisely how to contact the bank's loss mitigation and home rentention department
  7. You will receive a sample hardship letter and learn how to modify it to suit your unique situation
  8. Find out what banks are looking for to grant a loan modification.
     1. Nobody cares more about saving your home then YOU.
     2. Working with your lender directly is faster.
     3. Anybody can do it.
     4. You do NOT need a license or specialized education to negotiate with your bank.
     5. No upfront fees paid to a loan modification company.
     6. Many loan modification companies are not regulated. Some have even been shut down for scams and unethical practices.
     7. Most loan modification companies do not provide any guarantee of getting your loan modification application approved.
     8. Lenders prefer to speak directly to YOU rather than a third party.
     9. Loan modification companies have no incentive to actually get your loan modified. They charge money up front.
     10. Even if your loan modification has been declined in the past, you can reapply and it won't cost you anything.

  Loan Modification Companies

  Unfortunately, many loan modification companies today are engaging in unethical practices by providing misleading and often very costly information and then failing to deliver their promises.

  By being truly informed and taking charge of your loan modification process, and creating an educated relationship with your lender, you need not lose your home nor pay thousands of dollars to obtain help.

  Top Ten Reasons To Modify Your Loan YOURSELF!

  TOP 10 REASONS you should prepare your own loan modification application:

  

  Darrell Rigley

  Darrell Rigley CEO EZ Loan Modification Hero

  My Personal Guarantee

  The EZ Loan Modification Ebook provides you with all of the forms and applications your lender will require of you to apply for your loan modification, as well as step-by-step instructions on how to complete them.

  You are also provided with insider tips and secrets on how to present your case to your lender and increase your chances of approval.

  You will learn how to powerfully and successfully negotiate with your lender to lower your principal balance, interest rate, and monthly mortgage payment.

  Included are many other useful tips and resources, including how to reduce your monthly debt and even lower your property taxes.

  Remember, if you are not completely satisfied at any time during the first 60 days after reading the EZ Loan Modification Ebook then I will refund your purchase with No QUESTIONS ASKED!

  

  Don't Just Take My Word For It. See What Real Readers Had to Say:

  
  

  I can't say it enough..........Thanks a million ! After reading EZ Loan Modification Hero I feel like you are my Â"HeroÂ" you gave us the tools To help SAVE our home . We now have a fresh start!!!! Ken & Connie

  
  

  Thanks so much for helping us save our home. The $35.00 was the best money we have ever spent. We were 90 days behind on our adjustable rate mortgage, and today we are back on track, with a lower fixed rate payment. These tools are incredible. Thanks again!!! Phil

  
  

  We got our loan modification approved today; woohoo!!! We got our loan modification approved today; woohoo!!! We were about to except an offer from our bank to modify our loan when my husband bought your e-book. Instead of lowering our rate for 5 years, we negotiated a 30 year fixed on a even lower rate. The book showed us how to lower our balance as well. We were ready to just take what the bank offered. Thanks for showing us how to get so much more!! Kathy and Jim H

  
  

  With so many options for loan modification... I was not sure what to do. This $34.95 book gave me all the answers. I was ready to pay an attorney $4000.00 to do what this kit showed me to do. I never thought I could stand up to my lender and negotiate the payment I could afford. Thanks for making me feel so happy again. Cyndi

  
  

  Thanks for the jam packed e-book. You gave me All the information I needed to make An informed decision, and I completed My loan modification in only 78 day. Now my Payments are affordable and I can move On with my life. What a relief! Bryant A Â- Phoenix, AZ

  
  

  I had bills that were coming due... I had bills that were coming due "Chase Manhattan" would only accept the full amount past due. Thank you very very much for showing me that there is a light at the end of this tunnel. I loved the book it was an Â"easy readÂ" and informative. Just what I needed! Sarah B

  
  

  

  Take Action Right Now To Save Your Home. Order Risk Free Today.

  

  Click Here to Download Instantly!

  .

   

  Remember, the time for action is now!

 

You Qualify For a Loan Modification If:

* You have a high mortgage payment
* Your interest rate adjusted or is about to adjust
* You want to stop foreclosure on your home
* You are behind on your payments
* You owe more than your property is worth
* You donÂ't want to pay $2,500 to $5,000 to loan modification companies
* You need temporary assistance to skip or reduce mortgage payments due to a hardship
* You donÂ't want to be the next homeowner scammed by loan modification companies
* You have a negative amortization loan (also known as Â"Pick-a-payÂ" or Â"Option-ARMÂ")

Take Action Now and Save Your Home

If you are facing foreclosure then time is NOT on your side. You need to start taking action immediately and begin your loan modification right now. I created the EZ Loan Modification Hero Ebook to give you all off the information that you will need to save your home.

The EZ Loan Modification Hero Ebook Gives You EVERYTHING. Here is what you will learn: