gail simmons familyI'm Gail Simmons with my husband Hank and our children.

Welcome to our site for straight information on getting your loan modification approval.

Hank and I decided to create this blog as a resource to other homeowners wanting to modify their home loan in the shortest amount of time and without getting taken for thousands of dollars by scammers.

FAQs


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From our Q&A Category we are growing this page resource for the most frequently asked questions about getting a loan modification. Check back here for updates.

Mike Rockwood has modified five of his own loans, including his personal residence and investment property. He has created a top-notch workbook to walk you through the steps of fighting to get the best terms on your loan modification.

Click here to get proven help with your home loan modification

# Q: How do loan modifications work?

# Q: How does the trial loan modification work?

# Q: Why banks reject loan modification applications and counter strategies

# Q: What to do when the bank is not returning your phone calls

# Q: Are banks approving loan modification packages for borrowers that are not in default, ie, they are still making their house payment?

# Q: How does the Home Affordable Modification Program, aka HAMP, work and how do I find out if my loan is a FannieMae or FreddieMac-insured loan?

# Q: What’s the latest news on getting a HAMP trial loan modification?

# Q: How does the trial loan modification program work? Read the answers to 10 FAQs for details

# Q: What should I include in my hardship letter for a loan modification?

# Q: How can a bankruptcy cramdown help me get a loan modification?

# Many homeowners don’t realize that entering a trial mortgage modification can actually hurt their credit

# Q: How does the Net Present Value (NPV) of my home affect my chances of getting a loan modification?

# Q: How can I get rid of my second lien to qualify for a HAMP loan modification?

# Mortgage Audits: Not as successful a strategy as you may think

Before completing and sending in a loan modification package, you may want to obtain some coaching to combat the stall tactics banks/servicers are using to cut to the front of the line of other applications and get approved faster

Click here to get proven help with your home loan modification

Homeowners – Need Some Sound Advice?
ebooks for money and finance advice
Get Out of Debt Workbook
Seasoned debt expert shares several little known but highly effective techniques guaranteed to get you out of debt fast – no matter how much you currently owe.
Stop Foreclosure
Get more help on fighting to stop a foreclosure with one of 7 options. For example, if a loan modification is not an option learn about a little-known government program that will stop a foreclosure in less than a day without an expensive attorney.

Also get the latest foreclosure news around the country, read Q&As and other resources.

Legally Restore Your Credit
If you are visiting this blog, you likely have mortgage lates, which are a big blemish on your credit report. Once you resolve your mortgage situation, you can legally remove those mortgage lates and all derogatory credit from your report without having to hire an expensive attorney or credit repair service.

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