What is a loan modification?

If you are having difficulty making your monthly mortgage payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.

A modification helps make your payments more affordable by:

• Lower your interest rate
• Remove late fees and penalties
• Extend the terms of your loans
• Reduce your principal in some cases

How do I request a loan modification?

Unfortunately, many people have made the costly mistake of paying up to $5,000 for someone to handle their modification request for them.  You should definitely handle you modification request yourself, directly through your lender.

But the people who handle their own modification requests are making another huge mistake: They are simply filling out their lenders’ paperwork and sending whatever items are requested (pay stubs, bank statements, etc) without having any idea what is involved, how it works or what they should be doing.  This is called going at it blindly.

Official 911 National Mortgage Relief has developed a Do-It-Yourself system where all you do is input your information and it automatically:

1. Calculates your specific modification
   
   
2. Performs the Net Present Value (NPV) Test & all foreclosure analysis tests (these are the tests your lender does to evaluate whether it is more profitable to do the modification or to let it go to foreclosure)
   
   
3. Fills out all the lender’s paperwork

When you use Official 911 National Mortgage Relief’s loan modification software, you are not simply asking your lender for a modification, you are clearly showing that you qualify and at exactly what terms!

Who Qualifies?

With the help of Official 911 National Mortgage Relief’s loan modification software you can qualify if you are in one or more of the following situations:

• You are out of work or experiencing a decrease in income
• You are in bankruptcy or foreclosure
• You owe more on your mortgage than your home is worth

You can qualify for Loan Modification even if you’ve never been late with your payments in the past.

Official 911 National Mortgage Relief is an Accredited Member of the Better Business Bureau and is the ONLY Foreclosure Prevention company listed with the Better Business Bureau with an A rating and zero complaints.  Official 911 National Mortgage Relief is also a member of the New Jersey State Chamber of Commerce.

So what are you waiting for?  Visit Official 911 National Mortgage Relief (www.Official911.org) now and get started on your modification today!