Mortgage Modification Ebook and Forms for the Homeowner

An Insider Guide to Understanding Modification and Preventing Foreclosure

"The Truth About How To Make Money Performing Loan Modifications With Integrity... By An Expert"

"Look Inside To Discover The Secrets Of Performing Loan Modifications and Make $5,000 Per Week"

Loan Modification e-Book Training and Forms

In a minute I am going to share with you the HIDDEN SECRETS OF GETTING LOAN MODIFICATIONS completed for your clients but right now I want to talk about who this program is designed for.

I want to make it very clear, we are an INTEGRITY, MORALS and ETHICS based organization. We want to help people and companies that want to make great money helping people in their communities save their homes. With that being said please read on for more information about our OUTSTANDING training program for loan modifications.

The Real Estate Industry Will Continue To Decline and Your Income Will Be in jeopardy Unless You do Something About It. Read The Contents Of This Letter To Discover How You Can Make A Difference In Your Community And Your Income!!
We Keep All Training Sessions Small So You Get The Biggest Bang For Your Buck!!!

Turn up your speakers to hear what some of the mentees have to say!

This e-Book is a tool that will walk you through the loan modification process!!!

The United Mortgage Modifiers of America Association is offering this training to share with good people around the country the secrets of loan modifications. All of the information you will receive is from real life experiences performed by our offices.

If you'd like to Earn $20,000 Per Month!!!, Help Families Keep Their Home!!! And Build Your Future Pipeline Of Business!!!

Then this might be the most important letter you'll ever read.

Let me ask you a couple of questions!

I would like to share with you a story about a man that had reached the end of his rope! Robert lives in Denver Co, he has been a real estate broker for 22 years and had seen the market come and go. Robert had done like most of the people in the real estate industry the past 7 years. He was living the high life and enjoying every minute of it. Robert had purchased a vacation home in the mountains and a condo in FL. He was making a ton of money and thought it would go on longer than it did. Little did Robert know how fast things were going to change. You see, Robert did not see the housing market collapse coming (nor did I for that manner).
Robert tried to do the right thing when the business started to slow. He put more and more money into advertising trying to hold on to the business. He spend well over $1,000,000 trying to hold on. He kept his entire office a year longer than he should have. He used all of his savings to keep his employees working. He did that because he viewed his employees as family. He wanted to make sure they could provide a living for their families at home. Robert began tapping into his retirement.
Robert went through his savings and retirement doing all he could to keep his business afloat. He could not see outside the box because he was so consumed with the fact he was broke. He was consumed on how fast the business fell apart. Finally Robert called me and asked if he could incorporate loan modifications into his business. He knew he had several clients that needed his help and if he could learn the proper way to perform loan modifications he could save his business. Robert came to the Loan Modification Workshop, went back to his office and got things going. Robert has completely turned his business around and is now profitable again. He is not back to what he was prior to the real estate collapse but he is making a great living and helping his community by keeping families in their homes.
This is the kind of story I love to hear because this is what the UMMAA is all about.
Kev

Are you earning what you were 3 years ago?

Has your income dropped like millions of others?

What are you willing to do about it?

What can you do about it?

Do you want to help families stay in their homes?

Do you want to stabilize the housing market?

Do you want to make money and help your community at the same time?

Why am I offering this training program to everyone
across the country?

I want to stabilize the housing market by keeping families in their homes. As long as there are more houses on the market than demand we will continue to fall. I need your help in keeping families in their homes. When we keep families in their homes the market will turn and we can all get back to a stable market.

Changing with the Market is how
people make it in tough times!

I know most people in the real estate industry are facing major financial hardships. Our clients are not the only ones having problems making their payments. I know for a fact 45% of the real estate agents and loan officers in The United States are no longer in the business. I don’t want that to happen to you, I want you to keep your client base and continue to build your pipeline. How do I do that you ask, well you need to change with the times. What is needed right now? What do I do now that 91% of the people applying for a loan don’t qualify? You need to change with the market and what is the market giving us right now?
The market is giving us loan modifications as an
opportunity to make a great living and help people
that are in danger of losing their homes.

Now, I know you're probably skeptical. That's normal and healthy. Let me give you four good reasons we can back up what we claim:

Four Reasons To Believe What I Say

Reason 1: We have trained over 1000 loan modifiers nationwide.

Reason 2: United Mortgage Modifiers of America Association has the most comprehensive loan Modification training program in the nation.

Reason 3: United Mortgage Modifiers of America Association is the only association in the nation catering to loan modifiers.

Reason 4: I dedicated my entire staff learning the secrets of loan modification for 6 months. We completed loan modifications for previous client base and developed the process and procedure to maximize the opportunity for your clients.

Here is a summary of the Topics and Sub-Topics you will receive

• Why a loan modification…

• Why it makes sense to do a loan modification…

• Why are lenders becoming more practical…

• Why the incentives are high for the lenders…

• Why refinancing is very difficult…

• Why we want to keep families in their homes…

• How do foreclosures affect crime, values, taxes service and etc…

• Why our clients have such high emotional trauma…

• Why a loan modification is our clients last chance at saving their home…

• By understanding the above you will be able to get loan modifications done much easier and faster thus allowing you to help more people and make more money!

What are your clients options when facing the loss of their home?

Testimonial!!!

I went to the Loan Modification workshop in September and I was the best thing I could have done! I had signed up with a company that was to train me how to sell the loan modifications and they would handle the processing. Well, I sent them 17 deals the first 2 months and they did not get anything done with them. Some of my clients got Notice of Defaults on their homes and others even had a sale date set to sell their home. I got all of the files back because I needed to do something to save my clients homes. I did not know what to do as the files started stacking up on my desk and people started calling me all day asking about their file. I called Kevin at the United Mortgage Modifiers of America and they signed me up for their training class in Culver City. I went to the class and it was awesome, they got me on the right track and I completed 14 of the 17 files I had. All of my clients were very happy with the service they got from me and their new payments. If I had not gone to the training I would be in major trouble.

If you want to learn mortgage modifications you need to go to this training as it is the very best!!!

Larry Hammerstien

Broker - Culver City, CA

Rate, term and/or principle reduction..

Short payoff..

Deed-in-lieu of foreclosure..

Repayment plan..

Forbearance…

Postponement of Sale…

Reinstatement…

Walk Away plan…

Short Sale the property…

Foreclosure…

Why is it important for you and your clients to know what their options are? Do you think it is important for you to understand how each of the above options will affect your client?

How to make a living performing loan modifications…

People turned down for a refinance…These people need you to save their home.

2,000,000- 5,000,000 foreclosures estimated in the next 2 years…The problem is only getting bigger and you will not have a shortage of business.

Estimated 15,000,000 homes have negative equity and need your help... These people will walk away from their homes thus reducing the values of the homes around them. This will hurt the housing market even more.

Estimated 46,000,000 homeowners value has dropped more than 10%...These people need your help to stabilize the market values.

9.2% of homeowners are having troubles making their payments…These people need your help saving their home and will pay you to lower their payments.

How to get started with loan modifications…

How to become the area expert…When people see you as the expert they will call you for help.

Why make personal contact with all of your previous clients…When you call your clients they will send you referrals which are much easier to close.

How to get a response rate of 6% writing cards for 30 minutes a day…In less than 30 minutes a day you can get 3 inbound calls begging for your business.

How to produce an email campaign that gets results…Stay in touch with your clients via email to save you a ton of time thus allowing you to handle more deals and make more money.

How to write a simple ad for the local newspaper to drive business…So you can get more clients for less money.

How to get interviewed by the local paper, radio and TV stations to make you the local expert…It makes you the local expert and drives people to call you for help.

How to make it a part of your life…Business is all around you. Tell everyone you meet about the loan modifications and get business. I got a deal from a bell cap at a hotel at my last event.

Where to find a wholesale processing company to handle the paperwork of your files…Use a wholesale processing company so you can handle 5 times as many deals thus saving more homes for families and make more money.

Discover why your client has a 15% chance of getting a modification done on their own. Your clients that try it on their own don’t know the secrets of getting modifications done. You will be able to get them approved 80% of the time. This will drive people to you for help thus increasing your income.

Discover who the partners of the New Hope are and why it matters…You need to know who pays the nonprofits. How can they have the best interest of the homeowner at heart when they are partners with the same lenders that have put these people in a bad situation?

What is the Modification Process?

Why you want to see your clients face to face…When you see them face to face you will have a much higher closing ratio.

How to gather the paperwork from the client…When you get the paperwork from your client at the first meeting you speed up the process thus allowing you to close more files and make more money.

How to develop a game plan to get the best results for the homeowner…You need to understand what the client needs and how to get it. It draws a map to your success regarding the modification process.

How to outline the program to the client and be very clear…You want to be very clear with your client so they understand the process. You want them to trust you and the only way to do that is to be up front and honest with them regarding everything.

How to assess the clients needs including revolving debt…You need to know what will help the client and direct them to it. This will speed up the process so you can close more files and make more money.

What to tell the client regarding the 1099 issue and insolvency…You want to avoid the risk of a client getting a big tax bill come next April. Also they will send you more referrals when you share things with them others know nothing about.

How to discuss the implications of a short sale and foreclosure with your client… If your client does not qualify for a modification you can help them with a short sale thus saving a lot of time and pain for your client. They will send you referrals for helping them get out of the problem and when the market returns they will come back to you.

How does a loan modification affect your client’s credit…You can help your client get into a credit repair program to get their credit score up so when the market returns they will come back to you for help and you get another commission.

How do lenders look at debt settlement and why it is important…most lenders will allow you to remove the credit card debt when they are in a debt settlement program. This makes the process smoother and you can get a referral fee for helping your client with debt settlement.

What Forms and Agreements are need to complete a loan modification…

What does an approved advance agreement form… knowing this will help you stay out of trouble with the regulatory body.

How do I get an advance fee agreement form… Again this will help you stay out of trouble with the regulatory body.

What is an approved payment schedule… You need to know this to get paid and make a living.

Why most lenders want a Notarized Limited Power of Attorney…This allows the lender to communicate with you.

Why you need a payment authorization form… So you can take credit card payments.

How to complete the application, budget and hardship letter… This will give your client the best chance to get a modification done thus allowing you to make more money.

What conditions to collect…

How to put together a Profit and Loss for your client… You can make sure you put the proper P&L together so the lender can read it.

Why the lender wants the pay stub… Submit the proper conditions so the modification gets done and you get paid.

How many tax returns the lenders want to see and what pages… Submit the proper conditions so the modification gets done and you get paid.

What happens if my client has not filed a tax return… This will allow you to get the deal done faster.

How many bank statements and what pages does the lender want to see… Submit the proper conditions so the modification gets done and you get paid.

What to show for other income… This will allow you to get the deal done faster.

What happens if my client has not paid their property tax… Submit the proper conditions so the modification gets done and you get paid.

What is the difference between hiring a processing company Vs. doing it yourself…

What are the pros and cons of processing the modification myself… Which way is faster and which one will have better results not to mention which one makes more money.

Who has control of the file… Do I want control of the file or do I want someone else to have control of the file?

Who develops relationships with the lenders… Do I want the relationship with the lender or do I want the processor to have the relationship?

How much money can I make if I process… When you send the deals to a professional processor or have a processor in your office you can handle 5 times as many deals.

Why you need to understand the entire process… You can get the deal faster and cleaner when you know the entire process and more money.

What is the learning curve… how much time do I want to invest in this process? The more I can have a processor do the more money I can make.

How many files can I handle… You should be able to handle 10-30 deals per month.

How many files can I handle if I have a processor… You need to know how many people you can help and how much money you can make.

What is the workload… You need to know how much time every aspect of the process takes.

How do I process the file myself…

What to do with the LPoA and when… You need to know when to submit and how to submit the LPoA.

How to review the budget… You need to know how to review the budget so you can get the best results for your clients.

How to develop a proposed budget… This is the key to getting a modification done you need to know how to present the proposed budget to the lender to get the best results for your clients.

How to match the expenses and income… You need to know how to match the budget so you maintain credibility with the lenders. Make sure you don’t look like a fool by sending something that does not make sense.

How to identify gaps in their story… You need to make sure the story is correct to get the modification done.

How to analyze the hardship letter… The hardship need to match the entire story. You need to know how to prepare the letter for the individual lender because each lender likes things a little different.

How to develop the game plan for the bank… You need to know how to work the game plan for each lender as they are different and you have the best chance of getting the modification done.

How to develop an acceptable package for the lender… The package is the most important aspect of the modification. You need to be able to prepare the best package you can so the deal gets done the first time. If not you will have to resubmit the package several times to get it done.

How to establish the game plan with the most benefit for the client… You need to know what it is that gives the client the most benefit so you can get them the best deal possible and you get paid.

How to contact the lender… You need to know how to contact the lender the proper way and what to say or you will look like a fool. You need to be a professional so the lenders will respect you.

How to talk to the lender… You need to know what to say to the lender and what not to say to the lender. If you say the wrong thing to the lender you will get denied and your client will lose their home and you will not get paid.

How to tell the lender what you client needs to save their home… You need to tell the lender what your client needs to be able to stay in their home. If you ask them what they can do for your client they will give you the very least they can to keep your client happy. When this happens your client loses and you lose for your client.

Why to ask for the most you think you can get… Ask the most you think you can get so your client gets the biggest benefit possible and they will send you more deals than you can handle.

How to identify how much you may be able to get for your client… you need to know how much you may be able to get for the client so you do not over promise and under deliver. You want to spot on when talking with your clients about the possibility of the outcome.

How to point out how much the lender will lose if they foreclose… When you understand how much the lender will lose if they foreclose on your client you will be able to get more deals done and make more money by saving more homes.

How to be respectful but strong with the lender… you do not want to tick the lenders off but at the same time you want to be strong. You need to know how to handle the lenders and get what you need for your client at the same time. This will allow you to get deals done fast, better and allow you to make more money.

How often to call the lender and why… You need to stay on top of the lender to get things done in a timely manner. The lender will drag it out as long as they can. You need get them done fast so your clients are happy, you get more deals done and you make more money.

When will the client get the final package… you need to be able to tell the client when they will get the package and how to handle the package so the client feels better about the process.

Why the lender sends out packages that are not what you agreed on… Sometimes the lender will send out a package that is not correct and you need to know how to handle it. Your client will think you are lying to them if you do not explain things to them upfront .

How to handle the lender when they send out a bad package… You need to know how to handle the lender when they send out a bad package to your client so you come across as a good guy.

What to tell your client about how to handle a call from the lender… You want your client to feel good about talking with you and the lender.

How and why review a fill for accuracy… You want to make sure the client got what you agreed to with the lender so they will get the best deal possible and send you referrals.

How to follow up with the lender and the client… You need to keep communications open with the lender and your client, so you stay in good standing with both of them. When you do, you will be able to get more deals done and get more referrals.

Discover if all lenders need the completed final documents notarized… You want to make sure you which lenders need the documents notarized so you can get the deal done in a timely manner.

What the process is if you send your file to a processor… You need to be able to communicate the process and have good communication with your clients.

What to send to the processor… You need to know what to send to the processor so you can get the deals done fast so you can get more deals done and make more money.

How will the processor communicate with you…You need to have clear communication with the processor so you can have clear communication with your client so you can get more referrals.

How will the processor communicate with the client… You need to make sure your processor communicates with your client the proper way so they will not upset your client nor do you want them to build a relationship with your client. You want to maintain the relationship with your client so they come back to you and only you when the market recovers.

Why the processor should have only limited contact with your client… They should not build a relationship with your client only you should build a relationship with your client so you get their business when the market recovers.

How often should you communicate with your client… You need to communicate with your client on a regular basis so they are comfortable with you and trust you. The question is, what is the best amount of contact and timing of the communication with your client?

How to close out the file with the processor… You need to know how to close out the file to make sure the client gets the deal they were promised and it goes into affect.

Discover the secrets of beating the competition…

How to share with your client the scams and things going on… You need to share with your clients the scams that are going on around the country so they trust you more and are not afraid to send you their family and friends as referrals.

What to do if your file was denied by the lender… You need to know how to handle the file if it gets denied by the lender. You need to know what to do next so your client gets the best possible deal.

How to refer the file to a lawyer… Sometimes the best thing you can do is refer your client to a lawyer to get their help. You need to know when and how to do that so you maintain the trust of your client.

How to counsel your client… Your clients will be under a ton of stress and you need to know how to handle that stress for them. When you do they will send everyone they know to you for help.

How to market in your community… You need to know how to get the biggest bang for your buck.

How to handle your existing client base… You need to know what to say to your client base so they will come to you for help regarding their modification.

How to have community involvement and get free promotions… You can get the people in the community to bring you deals thus reducing your advertising budget.

How to approach nonprofit companies to speak at their events…You can get nonprofits to host events for you and do all of the marketing. This will bring you a lot of business and you come out looking great because you are helping your community.

How to get nonprofit companies to send you their deals for free… Nonprofit companies will send you deals for free when you approach them and show them how it will help them.

How to hold public events and get deals for free… You can hold free public events for next to nothing and get half of the people there to come to you for help.

How to contact HOA’s and get them to send you people behind on their payments… HOA’s are running out of money and need your help now. They will bring you the people that need help because they will get money that is owed them when the homeowner is able to make their payments.

Why HOA’s want to help you… All you have to do is approach them and they will have a meeting with you as the speaker for the home owners needing a modification. You get the deals and the HOA gets paid the money they are owned by the homeowner.

Why nonprofit companies will send you deals… Nonprofits will send you deals because they have members that need your help. When they trust you are a good guy and have faith in what you are doing they will advertise to their member base for you.

Why your community will help you get deals… nothing like getting deals for free.

How to get referrals from 75% of your clients… Your clients will send you deals when you take care of them the proper way. The more referrals the more net profit you make by reducing advertising.

What is the United Mortgage Modifiers of America Association…

What does the UMMAA want to accomplish and how does it affect you… You want to be a part of something good.

How do you get updates on what the lenders are doing… You need to be up to date with the policy and procedure changes of the lenders as they change everyday . You need to know what is going on so you can serve your clients in the best possible manner.

How you stay in formed on the daily changes in the industry… You always want the latest and greatest information on the lenders so you get the best results for your clients and they continue to send you referrals.

How to get leads for free from the UMMAA website… The UMMAA website gets leads everyday and they are given to the loan modifiers in the area closest to the client.

How you get ongoing training… You want to have the latest and greatest training on the market so you are on top of your game.

What are some of the training opportunities… You need to take advantage of all of the trainings you can get so you are fully prepared to help your clients to the best of your ability.

How to become a UMMAA trainer… You may want to become a UMMMAA trainer to help others learn how to help people in their area.

How to become a wholesale processor and make money from other modifiers… You may want to develop a wholesale processing company to process modifications for other modifiers and get a steady income from helping many people in your community.

How to keep your pipeline full… By helping people keep their homes you will keep them coming back to you forever. When the market recovers you want to be the one they come back to.

How to help your client settle their unsecured debt and make money… Some of your clients may need to get help settling their debts. Most of the lenders allow you to remove the unsecured debt if you client is in a debt settlement program. You can get a referral fee for helping your client with their debt settlement or you can coach them upon how to handle it.

Why your client may need credit repair in the future and how to get paid for it… Your client may need credit repair service when you have completed the modification process. If they do you can help them with the process and keep them in your pipeline.

How to find new clients… You need to know the easiest way and most cost affective way to get clients.

How to set your pricing structure… You need to know how to price your services to maximize the amount of business you get. If you price it too high you will not get much business. If you price it too low you will not make enough money to pay the bills.

How to close the deal… You need to know how to close the deal with the client so you can get paid.

How to structure the deal…You need to know how to structure the deal to get the best possible outcome for your client and then you will get more referrals. You want to under promise and over deliver.

How to get involved in the weekly tele-seminar training… You want to stay on the track of success and nothing helps more then staying in touch with others doing the same thing.

How to get business training to stay on track… You want to be able to maximize your profitability.

Who to call to answer your questions… You will need a sounding board to get some of the questions you have answered. Nothing is better than talking with people that are handling the process everyday.

What forms you need… You need to know what forms to use and when to use them to get the best results for your clients.

How to get the forms you need without creating them… You do not need to recreate all of your forms when you can get access to forms that are being used now by the professionals.

How to get started right now making money… No time is better than now to start making money and saving homes for the families in your community.

Why it is important to start the process now… Most of the homeowners in need of your help can not wait or they will lose their homes.

What to do if your client has received a Notice of Default… You need to know how to handle a client that has received a Notice Of Default or you will be in trouble and your client will lose their home.

What to do if your client has received a Notice of Trustee sale… You need to know how to stop the sale so you can modify the loan for your client.

How to stop a Notice of Trustee sale… Again, you need to stop the sale to save the clients home.

How to get the lender to drop the back payments… Sometimes the homeowner is way behind on their payments and the lender wants the money before they will do a modification. You need to know how to get the lender to do a modification and allow the homeowner to put the past due amount on the end of the loan.

How to get the lender to lower the interest rate… You need to know what the lenders are willing to do before you meet with your client so you can develop a great game plan. The only way to do this is to read the updates and stay on top of it. Some lenders will go all the way down to 0.01% but it does no good if you don’t know which lender will do that.

How to take your client out of an option arm and still lower their payment… option arms are the biggest problem we are facing right now. You need to know how to take your client out of an option arm loan and get their payment reduced.

When people cannot complete a modification on their own they come to you and they need your help in saving their home.

Here Are Some Samples Of What We Have Done For Homeowners, Take A Look And See The Results for Yourself.

Garden Valley, California
Countrywide is the lender.
She had’t been able to work full-time, mother was very ill; after mother passed away, they were down by 9 months on payments; needed to get arrears taken care of, willing to maintain same payment. Had received Notice of Default and had date of sale set.
Payment Was: $1825 Payment Now: $1325 Savings: $500

Sacramento, California
Wilshire is the lender.
He had increase in child support and was behind on payments.
Payment Was: $1270 Payment Now: $968 Savings: $301

Pollock Pines, California
Indymac is the lender.
She had to leave her sales position for temporary disability, he is in construction and business is seasonal. They were behind on payments and had received a Notice of Default.
Payment Was: $3492 Payment Now: $2397 Savings: $1094

Cheyenne, Wyoming
Homecomings is the lender.
1st and 2nd, had tried to do modification on their own; living in father-in-law’s home, trying first to sell, then to rent their own home. They had negotiated their first from 10.0% to 9.0%, but the bank wouldn’t touch their second.
Interest Rate on 1st Was: 9.0% Interest Rate on 1st Now: 7.25% Savings: $672
Interest Rate on 2nd Was: 11% Interest Rate on 2nd Now: 9.0% Savings: $416

Auburn, California
EMC 1st is the lender.
Private Note 2nd is the lender.
She was in auto sales and laid off; she was able to find another job but it took awhile and they got behind on payments in the meantime.
Payment 1st Was: $3000 Payment 1st Now: $2717 Savings: $283
Payment 2nd Was: $1879 Payment 2nd Now: $1400 Savings: $479

Vallejo, California
EMC is the lender.
This is an investment property. The client has two investment properties and her own home. She is a nurse, working almost 80 hours a week to make up the difference in income since her husband is semi-truck owner/operator in the construction industry and was making next to nothing. This was a fixed rate loan. They were not late on the payment.
Payment Was: $2427 Payment Now: $2216 Savings: $ 211

Cheyenne, Wyoming
Ocwen is the lender.
Client was on fixed income, payment had adjusted beyond his capabilities to pay. He was behind when he came to us.
Payment Was: $950 Payment Now: $692 Savings: $258

El Sobrante, California
Homecomings is the lender.
Client was not behind, but could not continue to make payments out of savings. He was placed on permanent disability a year ago and his wife was already on permanent disability. Their income dropped in half and they had used up all resources to make payments.
Payment Was: $5100 Payment Now: $3915 Savings: $1200

San Ramon, California
Saxon is the lender.
She is a single parent, working two full-time jobs; budget was positive, only because of the two jobs.
Payment Was: $3890 Payment Now: $2434 Savings: $1455

Oakland, California
EMC is the lender.
She had purchased a home with her sister, who was helping with payments, but her sister passed away and she was struggling on one income to make payments. Client was not behind on payments.
Payment Was: $2938 Payment Now: $1567.68 Savings: $1370

South Lake Tahoe, California
Ocwen is the lender.
His overtime was eliminated and she had her own business doing errands for people but was’t able to make ends meet. She was able to get a part-time job running resort which gave them better income, but had been using credit cards to make payments and had run out of credit.
Payment 1st Was: $2449 Payment 1st Now: $2088 Savings: $361
Payment 2nd Was: $810 Payment 2nd Now: $179 Savings: $631

Oakdale, California
Washington Mutual Bank is the lender.
She had owned her own business, but it went under. He had been injured at work and was being re-trained for another line of work. She was able to create a new business from home that required no overhead and fewer overall expenses, her income was on an incline when received file.
Payment Was: $4131 Payment Now: $2813 Savings: $1576

Tracy, California
EMC is the lender.
This was an investment property, and a multi-plex. He is on a fixed income and getting ready to retire, the payments were supposed to be increasing on adjustable mortgage.
Payment Was: $1743 Payment Now: $1308 Savings: $435

Rescue, California
Homecomings is the lender.
They owned two properties; their primary was short sold, but still faced a negative budget due to his seasonal income. This was a fixed rate loan.
Payment Was: $1530 Payment Now: $1351 Savings: $179

Tracy, California
Countrywide is the lender.
He was starting his own business as an appraiser when the market turned sour. She is an in-home daycare provider. They had just received their Notice of Default.
Payment Was: $1891 Payment Now: $1217 Savings: $674

Sacramento, California
Countrywide is the lender.
They owned an investment property that was without renters for significant amount of time. They were able to get renters eventually, but were over their heads in credit debt by then.
Payment Was: $2090 Payment Now: $1438 Savings: $652

Here is a true story of a lady that lost her family and almost lost her home. The names have been changed because the lady has a daycare and does not want people to know how close she came to losing her home.

This is a true story of a client :

On October 16, 2008 we got a call from a panicked member of the UMMAA. She had a client that is 72 years old and about to lose her home. Linda (not her real name), had gotten a sale date set for her home for the following Tuesday, October 21 at 1:30 in the afternoon. Linda had not made a payment in 4 months and was in deep trouble. Linda had lost her husband 9 months earlier to a sudden heart problem. When her husband passed away she lost his retirement of $4200 per month. She was lost for a way to make ends-meet. She asked her daughter to move in with her and help with the bills. It would also make it nice because Linda would get to spend some time with her 2 year old grand daughter. Linda had not had much of a chance to see her and was very excited to spend time with her. Linda's daughter was able to help pay the bills but it was still not enough to keep things a float. Linda had to start an in home daycare to earn a little extra income.
Things were going along just fine when Linda got a call May 24, 2008. Her daughter and grand daughter had just been killed in a car accident. Now she had lost her husband, daughter and grand daughter in a span of 4 months. She had no family left to help her through this time of need. Not only did she not have family to help her with her pain but now she would not be able to pay her bills. Linda became very frightened and had no idea what to do. she went through all of her savings and the few stocks her and her husband had put away over the years. However, that did not last long. Linda knew she needed to do something but had no idea what to do. Finally a neighbor told her to call Hope Now and they would help her workout a payment plan with her lender.
Hope had Linda fill out a complete package including budget and hardship letter. She sent everything she could get together to the lender. Linda followed every step she was given by the nonprofit down to the last detail. On Monday September 2, 2008 Linda got a notice posted on her door that read "This home will be sold on the court house steps October 21, 2008. If you have any questions please contact your lender". Wow, what a deal. Just lose your husband of 51 years, your daughter and grand baby. Now you are being kicked out of your home. Well, Linda did not know what to do so she called the nonprofit that was helping her and they said "Sorry, we tried but you can not afford the house payment. You need to move at the end of the month".
Linda had another friend whose daughter had just been to the UMMAA workshop. She told Linda to call her daughter to see if there was anything she might be able to do. Sue, (not her real name) called my office and asked what could be done. We told her to send her paperwork over right now. Within 1 hour we had all of the same paperwork Linda had sent to her lender. Mitzi got on the phone with the lender starting at 3:00 Thursday afternoon on October 16th, 2008 and did not get off the phone until 6:00 PM. Mitzi made a total of 17 phone calls to Linda's lender to get the sale stopped. On Tuesday October 21, 2008 at 12:30 PM Mitzi got the word that the home would not be sold. She had gotten Linda a 60 days grace period.
Now it was time to get her loan modified as she could not afford the payment. We needed to get her payment dropped down to about 60% of the original amount. We need to save her $1242 per month to make it work for her. Mitzi worked on Linda's file for 8 days, she went through every item in her paperwork. She torn apart her budget, hardship letter and every item in her folder. She finally came up with a game plan that could work if everything was presented properly. Mitzi called the lender after she faxed the paperwork to get things started. After 13 more days of negotiations Linda was able to stay in her home. Mitzi had stopped the sale and then got the lender to drop her payment $1265 per month.
Linda is still living in the house and running her daycare with 8 little kids running around like everything is perfect. Little do they know how close Linda was from being on the street.

These are the kind of stories that get me out of bed in the morning and keep me pushing on day after day!!
Kevin

Don't take my word for it. Listen to what our clients have to say.

A great success story: We just got a clients interest rate from 6.625% down to 2.625% and saved them just under $1100.00 per month. Great job ladies!!!

“In this day and age, it’s hard to find a company you can trust. United Mortgage Modifiers of America was recommended to me by a friend, and now I know why – the quality of service I received was outstanding. Keep up the good work!”
Steve Lujon

"My husband and I really found your workshop to be very helpful and a great resource. We are looking forward to helping many of our clients in situations that have been affected by this crazy market we are currently in."
Laurie L
CA

"I really enjoyed the seminar in Bakersfield about loan modification. Being in real estate since 1985 and seeing the markets change, I feel this is an added service I can offer my clients".
All the best,
Kathy K.
Bakersfield, CA

"Kevin McGill was truly giving and sharing with his information on Loan Modification in his seminar. He clarified many points that other Modification Companies are presenting as Mysterious and Nebulous."

"Kevin gave a clear overview of these "Mysterious" facts like a Magician giving up the secrets to his magic tricks.
Thank you, Kevin, for giving us a strong foothold in the Loan Modification Business."
Elaine Albright,
Pension Plus Mortgage,
Auburn, CA

“I really enjoyed the seminar; I have my first appointment for presenting it this weekend.”
Jean Thompson
Roseville, CA

“Kevin McGill was very informative and interesting to learn from. He gave clear concise information about an area we are all still somewhat in the dark about. Going to his seminar answered so many questions and opened up a door to the way to make more money in this troubling time.”
Diane Lansman
Hollister, CA

Warning: Do NOT buy any Mortgage Modification Training
unless it meets the following 6 criteria

There is a lot of confusion surrounding the loan modification field. I want to give you 6 criteria or elements you absolutely, positively must have in any training you obtain:

1: Are they able to show results of the people that have been to their training.

2: How many people have gone through the training program?

3: What is the content of the training?

4: What kind of support will you get after the training class?

5: How much knowledge does the trainer have?

6: How many real people have they helped and what is their success ratio?

There Is No Substitute For The Knowledge You Will Gain.

I need your help, I want to spread the word on Loan Modifications to as many people as possible. I am giving a large discount to people in the Dallas area that will share their experience with the United Mortgage Modifiers of America.

I normally charge $1,500 per day for a person to come to my office for training. I dedicated my entire staff of 9 people to research loan modifications for 6 months to come up with the best training program in the country.

In summary, here's what you get:

All Mentees will receive:

Logical training to get you ready to help people in your community save their home.

A step by step plan to succeed in modifications.

A Marketing plan to make sure you are successful if you follow it.

How to work with the lenders to get modifications done and save your client a ton of money.

How to make $20,000 per month performing modifications.

How to complete the modification and win for the homeowner.

How to find a wholesale processing company to handle the paperwork of the modification.

I understand there are a lot of questions left unanswered.

Please give me a call or email me with any questions you may have. I will do my very best to help you in anyway.

877-883-2672 or email @ Kevin@kevinmcgill.com

If you respond right away, you pay only ~~$199.99~~ $79. for the early-bird special pricing. Savings of $120.99 for helping me spread the word. Get started now!!!

Still don't know if this program is right for you ? Look at the free training items I am will to give you for your help in spreading the word!

Since I know it's 100% to your benefit to act right away, I want to sweeten the pot and give you every possible reason to say YES today! If you respond immediately, you'll also receive the following:

Free bonus 1:

Free updates of the Mortgage Modification Made Easy e-book is yours to keep and share with others. This e-book is filled with tips and secret tricks of how to complete loan modifications. ($39.95)

Free bonus 2:

Loan Modification forms I use for the entire modification process. ($29.95)

Free bonus 3:

I will even throw in 1 mortgage modification tele-seminar training session for the first 20 people that register. ($59.00)

Free bonus 4:

When you decide to attend the live training event I will deduct the $39.00 you have paid for the ebook. This makes the ebook free!!!

Take advantage of the bonuses now!!!!

To your success,
Kevin McGill,
President

P.S. . I almost forgot to tell you that I will throw in 1 hour of phone consultation for the first 10 people that order per day. Time is running out for your clients so Reserve your training DVD now so you can get started NOW!!!

P.P.S. Did I mention that I have the best newsletter for loan modification experts in the nation? I am sorry about forgetting that! I will send you the UMMAA newsletter every month so you can stay on top of the latest news regarding modifications.

P.P.P.S. You have nothing to lose as I am taking all of the risk here. If you do not like the training I will refund all of your money. You have nothing to lose and everything to gain.

P.P.P.P.S. We have limited seating and you want to be at this training. Register now so you make double sure you have a seat and don't have to wait 6 months for the next training in your area. If you would like to attended a live training event, I will take the price of this e-Book Training set off the ticket price of the first live training event you attend.