How This Works

Loan-Modification411.com is a consumer website with a misson to match troubled homeowners with professional companies within our network that can help them avoid foreclosure on their homes. Loan modification is a complicated and stressful undertaking for the average homeowner, specially 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!

Our Loan Modification Companies have successfully negotiated thousands of scenarios in all 50 states and 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 situation you might be in), we will match you up with the right company, 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 companies 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 porbably 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:

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

It’s Pay for Performance!

And remember, with our Service Providers there is no fee unless you are modified, so Get Started Now!

It’s guaranteed!

And remember, if your lender denies your loan modification application, our Service Provider Companies will return the fee to you. There’s no risk to you, so Get Started Now!

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