How This Works

Loan-Modification411.com is a consumer website with a mission to help homeowners save their homes and get themselves into better, more affordable mortgage loans. Loan modification is a complicated and stressful undertaking for the average homeowner, especially because it is usually needed in the midst of a financial hardship. That is why professional assistance can be so effective in most loan modifications. All you need to do is fill out the short form to the right!

Once you have been contacted by one of our representative all of your concerns and questions will be answered. During your initial conversation, the representative will ask you key questions to determine if you a good candidate for a loan modification. Based on your situation, your representative will let you know if you may qualify for a loan modification and what you can expect from the loan modification process and from the loan modification itself. If you’re approved, the representative will then begin working for you and with your lender to achieve a loan modification for you. Throughout the entire process, a team of representatives will work diligently to achieve the best possible loan modification available for you and if your lender approves you for a loan modification you will receive the terms of the modification in the mail. If you accept these terms and sign the offer, you will then be in possession of a new, modified mortgage loan. Here is the process again in simplified bullet form:

• You fill out the fast, simple form to the right.
• A representative contacts you and answers your specific questions.
• The representative then asks you specific questions to determine if you are in fact a good candidate for a loan modification.
• If you are, like so many people are right now, the representative will explain the modification process to you and all of the things he/she will need to get started.
• Once you have provided all of the necessary items, a team of representatives will work with your lender to get your loan modified.
• If successful, you will receive this modification directly in the mail.
• If you approve you will be in possession of a new and improved modified loan!

Our representatives have successfully negotiated with all major banks. Depending on your specific situation (e.g. your property state, your mortgage lender, your mortgage history, your hardship, and any other unique situations you might be in), we will match you up with the right representative, one that can be most effective. Get Started Now!

The Process
The process is really very simple. You start by filling out the short form on this site, providing us with the very basic information. Your case is then immediately routed to one or two representatives within our network who will be contacting you shortly to provide a free, professional and valuable consultation. After the consultation, if your case seems doable, you will be asked to fill out a more thorough application about your current financial situation. After you have sent this documentation along with the necessary fees, you can sit back, relax and let the professionals go to work. Our goal is to make this as easy for you as possible.

Your to-do list
After your consultation, if it looks like you will qualify for a loan modification and you want to pursue one you will be asked for the following required supporting documents among other things:

• Hardship Letter - Include dates, reason for delinquency, what you have done to attempt to workout problem in the past; also include any supporting documents for hardship. While our Network Service Reps will be happy to provide guidance if needed, the short and straightforward letter must be in your own words
• Bank Statements - Last two (2) months.
• Proof of Wages and Salary - Employed - Pay stubs for last two (2) months; Self-employed - 1040s for the last two (2) years.
• Federal Tax Returns - First and second pages (W2s) from the last two (2) years.
• Rental Agreement - If the loan modification is not for your primary residence.

Next steps
The assigned representative will work with your lender, exploring options that will provide a satisfactory conclusion for all parties involved. In many cases, you’ll have an answer within 60-120 days, and sometimes sooner. While we negotiate a solution, you can relax and focus on more important tasks, such as work and family.

There is NO OBLIGATION. We keep your information 100% private. There is no credit check and no social security number required. START NOW!