Dear Friend,
Want to know a little secret? Many real estate agents and loan agents are making money hand over fist by doing loan modifications for homeowners. Why? Because most homeowners have been told by lawyers and others that it's difficult.
But is it, really? Nope.
So if you're looking to learn more about how to do a loan modification, you've come to the right place.
More importantly, if you would like to improve your odds for getting your loan mod APPROVED (and perhaps getting a much lower payment or even getting PAID for helping someone do a loan modification -- then this might be the most important letter you'll ever read!
Here's why:
The Federal Government has earmarked BILLIONS to help homeowners modify their home loans and avoid foreclosure. However, some homeowners feel uncomfortable when dealing directly with a bank. Why?
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Some homeowners are afraid of saying the wrong thing to the bank.
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After all, the bank is a debt collector who will record every phone call made to them -- and they'll call them morning, noon and night too!
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Some homeowners don't have time to "stand in line" at the bank. By this I mean having to navigate the bank's phone system and wait on hold. What's odd is that most banks are busy but ironically, they keep laying off their best people!
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Most homeowners can't afford to be put on hold for fear they'll lose their real jobs!
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Some owners may need help filling out the forms because English isn't their first language.
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There are homeowners who may need help correctly fill out the budget or financial statement.
That's where a loan modification expert comes in. A person who knows how to do a loan application successfully. (like me)
In this guide, Mortgage Modifications Made Easy, I'll show you the ropes! (Even if there are two loans to negotiate!) You can use this information to do your own loan modification, or charge a reasonable fee and do the work for someone else.
Please
note: I cannot
guarantee with 100% certainty that you will be successful with every single loan modification that
you'll submit for approval. But what if I could show
you how
to
improve your odds for getting a mortgage loan application approved? Would
that be of interest to you?
Now, I know that some of you are skeptical. Good. That's normal and healthy. Let me give you three good reasons why I can back up my claim:
Three Reasons To Believe What I Say
Reason one: Author and California real estate broker Bob Boog has been selling real estate full time since 1978. (30 years for you math whizzes) He has been involved in thousands of real estate transactions - many of them dealing with pre-foreclosures, short sales and loan modifications. He knows what works with banks and what doesn't.
Bob Boog and his wife Roxana
Reason two: Bob is the author of three books on selling real estate including the best seller, Selling Homes 1-2-3.
Reason three: Bob's book, Real Estate Sales from Hell is used in some classrooms to teach real estate agents about doing short sales.
Find these titles on Amazon.com
Mortgage Modifications Made Easy is a 50 page secure ebook that you download, and read on your computer. PLUS it comes with a 40+page bonus ebook of Valuable Resources as well as 12 FORMS (that you can print out! In fact if you hurry, we'll even throw in three useful BONUS forms!
So you get the best of both worlds - Forms that you can use and print out - as well as an electronic version of Mortgage Modifications Made Easy! Please note: the ebook is SECURE so you will not be able to print it out - on most computers.
(If you would like a print edition of the ebook, one can be mailed to you for an additional fee along with all the Forms on a cd. )
NOTE: Some loan modification consultants have encountered a big problem because their forms do not comply with current California Law on how foreclosure specialists must treat homeowners in default. Your state, county or province may have different rules. But California has some of the toughest laws -- so it may be a good idea for you to follow them - rather than the other way around.
Question: How much can I charge as a Mortgage Modification Consultant?
Answer: That's up to you and where you live. I normally charge around $600 because I'm doing it to provide a service to my past real estate clients. (as way to keep in touch with some of them.)
However,
there are others who are charging more. MUCH more! (Hold that thought for a minute.)
Here is a summary of some of the benefits you'll receive
You'll view the complete loan modification sale process from soup to nuts. For free!
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Now, you're probably wondering how and why we can do all those things.
Let me explain.
Mortgage Modifications Made Easy tells you how the process works, offers help with financial statements, budgets, tips to avoid with home loan applications- as well as the FORMS you'll need to get started and much, much more!
Don't take my
word for it.
Listen to what our customers say.
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Warning: Do NOT buy any Loan Modification Package...
Unless it meets
the following 3
criteria
There is a lot of confusion surrounding our field. I want to give you 3 criteria or elements you absolutely, positively must have in any solution you obtain:
1. Is the person knowledgeable and experienced about the subject - or did he or she just come on board two months ago?
2. Is the person licensed to sell real estate in California - with the strictest laws? Or are they from Indiana or Kentucky or Georgia where the laws are much different. You don't want to be accused of breaking the law, as California foreclosure helper laws are the strictest in the nation.
3. Is the person promoting a "get-rich-quick" scheme? (Like you'll easily make $50,000 per month?)
Will you get at least 10 times your money's worth?!
Example: Karen Adams works
part-time in real estate and part time as a secretary but her hours are
being cut back. It’s 6:00 p.m.
on a Friday evening. Karen is a single mom with two kids. Mark (16) her
oldest,
wants to attend the local high school football game. Karen’s daughter
Mary (14)
wants to go shopping at the mall with her friends.
“Mom, can I borrow $30 to go to the game?”
“Mom, can I borrow $30 to go to the mall?”
“Why do you kids keep asking me for money?
“Do you
think that
money grows on trees?”
Karen feels frustrated and
dejected. She’d won the custody battle in court but with the lousy
economy is
struggling to make ends meet. She doesn’t have ANY extra money to spare
for her
kids.
If only there was a way to make a few more dollars
working part time at home. But how?
Then one day Karen discovers a website on the Internet
and downloads the free ebook that explains an interesting concept. How
she might be able to help homeowners modify
their home loans and get paid for it. She
likes the ideas so much that she invests in the ebook and reads it from
start to finish in about an hour – the cost is roughly
the same that she was going to give to her kids to spend on a
cold
Friday night.
A few days later, she encounters Mrs. Rodriguez, a woman who says needs
help to make her
mortgage payments lower. Karen decides to help her, but about two weeks
later, after all the hard work
that she has invested in Mrs. Rodriguez’s loan modification, Karen's efforts fail.
Why? Because Mrs.
Rodriguez refuses to sign the loan modification that Karen has worked
so hard
to get!
“Oh well,” Karen says to herself with a sigh, “At least I
still made $250 dollars!”
Say what?
That’s right – even
if an owner refuses to sign their final loan modification agreement, you may STILL gross about $250
or
roughly FIVE times your initial investment of this ebook. And
if the homeowner DOES sign the
loan modification, you may stand to make another $250 or TEN times your
investment. Sound almost too good to be
true? And if it is, why am I telling you about it?
So, my mission with this ebook is to make a few dollars by helping people like you make a few more dollars by helping homeowners save a few dollars on their monthly mortgage payments.
Call it a win-win-win situation. Hey, a triple winner!
See, in my area, loan brokers often pay a $500 referral fee to realtors just for referring customers to them -- so what that means to you is that they are charging homeowners MUCH MORE - usually about $2,000 to $4,500 to do a single loan modification.
WOW, that's alot of money. But consider this: if you are able to restructure a loan and save a homeowner $400 per month on his monthly payment, over 30 years, it really adds up. $400 x 12 = $4,800.
$4,800 x 30 = a whopping $144,000!
So maybe paying $2,000 to a loan modification consultant is well worth it! Remember: you are NOT refinancing the loan, so there are little or NO costs from the bank!
So if others are charging $2,000 and you were to charge a homeowner $1000 dollars, that's a 50% savings! You would be saving the owner money plus helping them save their home at the same time, all this using a successful home loan application technique! With the COST OF LIVING rising, most homeowners appreciate someone who can save them money. Best of all, homeowners will have ready money to pay you a handsome fee! Why? Because they won't be making one or two of their house payments. Oops. That's one of the secret tips I'm going to share with you!
This
valuable home loan application resource is available in a secure
ebook. If you purchase it, you can read
again and again on computer or in a print edition- all for a fraction of the
price that you might pay elsewhere! In fact, one real estate
guru
charges real estate agents $1,700 for half of this same information.
Question: Do I need to hold a valid real estate license to do this?
Answer:
In most states the answer is "No", you just need the homeowner's
written consent. (That form is included too.) In California it's
different. If you live in California, the state law says that owners must work
directly with a
licensed real estate agent. (And the real estate agent must be the only
party to negotiate directly with the
bank.) However, an unlicensed
assistant who FINDS homeowners can work for an agent and make money finding them.) In other
words, if you are unlicensed, you
would need to know
of a real estate agent that you feel comfortable with, and ask
if
you
can work from home as
his/her marketing
assistant to find homeowners looking to do loan
modifications. In that case, the agent might have to charge the
homeowner an extra $200 to cover your fee but you could still be saving
a homeowner lots of money. Note: there is a chapter in the book on how to
find homeowners.
You would also have
the agent sign a special agreement to ensure that you would be paid. This
agreement is found in the Forms Section.
