ALL LENDERS ARE HIDING A
DIRTY MODIFICATION SECRET:
When BofA, Wells Fargo, Chase, etc lowers a homeowners mortgage
payment by $900 – It doesn’t actually “cost” them $900 – They receive a
subsidy from the US Treasury.
Every lender is required to complete the exact same Certified Lender
Subsidy Spreadsheet Analysis (CLSSA) – To collect the lenders portion
of the federal subsidy and supply all the other required supporting
documentation.
Lenders are NEVER going to voluntarily admit what the homeowners
lowest modified payment options are. The lender is ALWAYS going to act
in their own best interest – And expects to only pass along the minimum
modification terms. ( ONLY the subsidy amount.) So if a homeowner
actually qualifies for an $900 payment reduction – And the lenders
subsidy is $350 – The lender will AVOID REDUCING CASH FLOW – AND
ALWAYS just offer the $350 reduction.
NOT SO FAST LENDER…!!
YOU now have access to the exact same Certified Lender Subsidy
Spreadsheet Analysis (CLSSA) – PROVING you qualify for the LOWEST
MODIFIED PAYMENT – And by presenting a fully documented, “Ready-
For-Approval” Modification Case File – You force the lenders to approve
the LOWEST MODIFIED PAYMENT.
( Click here for CLSSA example. )
YOU DESERVE “PEACE-OF-MIND” –
HOW ABOUT A 100% MONEY BACK
GUARANTEE….!?!?!
More on the 100% Money Back Guarantee in a minute – First let’s discuss
HOW this service works – And most importantly WHY it is forcing these
lender’s approvals…
In preparing the homeowners Certified Lenders Subsidy Spreadsheet
Analysis (CLSSA) – 63 to 71 variables need to be downloaded, calculated,
and inputted into the homeowner’s modification spreadsheet.
These variables include but are not limited to:
Current Value Of Property:
Number of traditional, short-sale, and lender-owned listings.
Price difference between these three listing types. (Also referred to as
"REO Discount Factors")
Time-To-Sale difference between these three listing types.
Future Value Of Property:
Number of other properties 30, 60, 90, 120 days delinquent.
Number of other properties already in the foreclosure process.
Number of pending sales vs closings over the last 6mo.
Escrow "fall-out" of traditional, short sale, and lender-owned properties.
Case File Risk:
Current mortgage program. (NegAm, Interest Only, Fixed Rate)
Property type. (Single Family, Multi-Family, Hotel/Condo, Investment,
Second Home, Vacation Home, etc...)
Modification Risk:
Number of mortgages already modified.
Number of those modified mortgages that are 30, 60, 90, 120 days
delinquent and in the foreclosure process.
Average number of months for modified mortgages to default.
Number of defaulted modifications listed for sale as lender-owned.
Lender Exposure:
Number of mortgage clients 30, 60, 90, 120 days delinquent.
Number of mortgage clients already in the foreclosure process.
Number of mortgage clients who modified their loans.
Number of those modified clients who are 30, 60, 90, 120 days delinquent.
Number of those modified clients who are in the foreclosure process.
Number of those modified mortgages which resulted in foreclosure.
Number of pre-approved / non-approved short sale listings.
Number of lender-owned listings.
All these certified data feeds are required to calculate the lender's
modification subsidies and your modification options.
The final calculations determine the homeowners qualifying levels based
on their monthly income and expense situations.
99% OF ALL MODIFICATION COMPANIES
“SKIP” THE CRITICAL FIRST STEPS - AND
ONLY FOCUS ON YOUR INCOME AND
EXPENSES…!!
Most lenders have modification departments staffed with over-worked $10
to $13hr clerks – And they are expected to move 25 to 30 files every day.
Common sense tells you these over-worked clerks DO NOT spend extra
time on “failed” files by going back through them – Re-downloading, re-
calculating, and re-inputting all 63 to 71 variables if the modification case
file comes up as a “FAIL”.
Honest mistakes do happen – But the clerk will never catch them if they
don’t have a third party prepared Certified Lender Subsidy Spreadsheet
Analysis (CLSSA) in front of them as a comparison.
Lender’s usually call asking why the homeowner “passed” on the third
party spreadsheet – But “failed” on the spreadsheet prepared by the
lender. The lenders’ most common variable input mistakes are income
calculations, monthly expense calculations, loan information, and
property information.
CLICK HERE FOR FREQUENTLY ANSWERED QUESTIONS
YOUR 100% MONEY BACK GUARANTEE...
Homeowner’s success rates allow you an exclusive “peace-of-mind”
benefit – Giving you the security of a 100% Money Back Guarantee.
Even after we have paid for the downloads and invested time preparing
your modification case file - If you do not qualify per US Treasury
guidelines – You receive an immediate 100% refund...
Your entire flat-fee to receive your fully documented "Ready-For-
Approval" Modification Case File is $997.
(Active/Retired Military - Senior Citizen - And Referral Discounts are
available. Please click or call us now for more details.)
YOUR NEXT STEPS:
1) Click your link below now to start your modification transaction.
2) Your payment confirmation will include a short list of items required to
prepare your modification case file.
3) Within 72hrs - Your "Ready-For-Approval" modification case file will be
completed and ready to submit to your lender.
CLICK YOUR "BUY NOW" LINK AND GET
STARTED...!!!
DIRTY MODIFICATION SECRET:
When BofA, Wells Fargo, Chase, etc lowers a homeowners mortgage
payment by $900 – It doesn’t actually “cost” them $900 – They receive a
subsidy from the US Treasury.
Every lender is required to complete the exact same Certified Lender
Subsidy Spreadsheet Analysis (CLSSA) – To collect the lenders portion
of the federal subsidy and supply all the other required supporting
documentation.
Lenders are NEVER going to voluntarily admit what the homeowners
lowest modified payment options are. The lender is ALWAYS going to act
in their own best interest – And expects to only pass along the minimum
modification terms. ( ONLY the subsidy amount.) So if a homeowner
actually qualifies for an $900 payment reduction – And the lenders
subsidy is $350 – The lender will AVOID REDUCING CASH FLOW – AND
ALWAYS just offer the $350 reduction.
NOT SO FAST LENDER…!!
YOU now have access to the exact same Certified Lender Subsidy
Spreadsheet Analysis (CLSSA) – PROVING you qualify for the LOWEST
MODIFIED PAYMENT – And by presenting a fully documented, “Ready-
For-Approval” Modification Case File – You force the lenders to approve
the LOWEST MODIFIED PAYMENT.
( Click here for CLSSA example. )
YOU DESERVE “PEACE-OF-MIND” –
HOW ABOUT A 100% MONEY BACK
GUARANTEE….!?!?!
More on the 100% Money Back Guarantee in a minute – First let’s discuss
HOW this service works – And most importantly WHY it is forcing these
lender’s approvals…
In preparing the homeowners Certified Lenders Subsidy Spreadsheet
Analysis (CLSSA) – 63 to 71 variables need to be downloaded, calculated,
and inputted into the homeowner’s modification spreadsheet.
These variables include but are not limited to:
Current Value Of Property:
Number of traditional, short-sale, and lender-owned listings.
Price difference between these three listing types. (Also referred to as
"REO Discount Factors")
Time-To-Sale difference between these three listing types.
Future Value Of Property:
Number of other properties 30, 60, 90, 120 days delinquent.
Number of other properties already in the foreclosure process.
Number of pending sales vs closings over the last 6mo.
Escrow "fall-out" of traditional, short sale, and lender-owned properties.
Case File Risk:
Current mortgage program. (NegAm, Interest Only, Fixed Rate)
Property type. (Single Family, Multi-Family, Hotel/Condo, Investment,
Second Home, Vacation Home, etc...)
Modification Risk:
Number of mortgages already modified.
Number of those modified mortgages that are 30, 60, 90, 120 days
delinquent and in the foreclosure process.
Average number of months for modified mortgages to default.
Number of defaulted modifications listed for sale as lender-owned.
Lender Exposure:
Number of mortgage clients 30, 60, 90, 120 days delinquent.
Number of mortgage clients already in the foreclosure process.
Number of mortgage clients who modified their loans.
Number of those modified clients who are 30, 60, 90, 120 days delinquent.
Number of those modified clients who are in the foreclosure process.
Number of those modified mortgages which resulted in foreclosure.
Number of pre-approved / non-approved short sale listings.
Number of lender-owned listings.
All these certified data feeds are required to calculate the lender's
modification subsidies and your modification options.
The final calculations determine the homeowners qualifying levels based
on their monthly income and expense situations.
99% OF ALL MODIFICATION COMPANIES
“SKIP” THE CRITICAL FIRST STEPS - AND
ONLY FOCUS ON YOUR INCOME AND
EXPENSES…!!
Most lenders have modification departments staffed with over-worked $10
to $13hr clerks – And they are expected to move 25 to 30 files every day.
Common sense tells you these over-worked clerks DO NOT spend extra
time on “failed” files by going back through them – Re-downloading, re-
calculating, and re-inputting all 63 to 71 variables if the modification case
file comes up as a “FAIL”.
Honest mistakes do happen – But the clerk will never catch them if they
don’t have a third party prepared Certified Lender Subsidy Spreadsheet
Analysis (CLSSA) in front of them as a comparison.
Lender’s usually call asking why the homeowner “passed” on the third
party spreadsheet – But “failed” on the spreadsheet prepared by the
lender. The lenders’ most common variable input mistakes are income
calculations, monthly expense calculations, loan information, and
property information.
CLICK HERE FOR FREQUENTLY ANSWERED QUESTIONS
YOUR 100% MONEY BACK GUARANTEE...
Homeowner’s success rates allow you an exclusive “peace-of-mind”
benefit – Giving you the security of a 100% Money Back Guarantee.
Even after we have paid for the downloads and invested time preparing
your modification case file - If you do not qualify per US Treasury
guidelines – You receive an immediate 100% refund...
Your entire flat-fee to receive your fully documented "Ready-For-
Approval" Modification Case File is $997.
(Active/Retired Military - Senior Citizen - And Referral Discounts are
available. Please click or call us now for more details.)
YOUR NEXT STEPS:
1) Click your link below now to start your modification transaction.
2) Your payment confirmation will include a short list of items required to
prepare your modification case file.
3) Within 72hrs - Your "Ready-For-Approval" modification case file will be
completed and ready to submit to your lender.
CLICK YOUR "BUY NOW" LINK AND GET
STARTED...!!!
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| NationwideMortgageExperts.com |
| Expert Mortgage Advice - Zero Risk - Zero Obligation... |
| Legal Disclaimer: This website does not contain any legal advice. You are responsible for yourself and your own actions. We make no warranties; either expressed or implied, of fitness for a particular purpose, or applicability these programs may have with your individual situations. © 2006, 2007, 2008, 2009. All rights reserved. |
| Legal Disclaimer: This website does not contain any legal advice. You are responsible for yourself and your own actions. We make no warranties; either expressed or implied, of fitness for a particular purpose, or applicability these programs may have with your individual situations. © 2006, 2007, 2008, 2009. All rights reserved. |
BREAKING NEWS: 2% Interest Rate Mortgage Loan Modification AND Principal Reductions Authorized In March 2009 By US Treasury Department. |
| In an astounding move, the US Treasury released updated and expanded "Loan Mortgage Modification" guidelines including a possible floor interest rate of 2%. Click Here >> US Treasury Guidelines - March 2009 Update Your new US Treasury Guidelines - Details your 2% mortgage loan modification interest rate on page 7 - And your principal reduction on page 8... |
| 100% Money Back Guarantee - No Other Loan Mortgage Modification Firms Offer YOU This Protection !! |
| Nationwide Mortgage Experts, LLC - DBA: NationwideMortgageExperts.com and NaMoEx.com - 200 Pacific Coast Highway, Suite #116 Huntington Beach, CA 92648 |
|
| ATTENTION: Attorneys And mortgage loan Modification Companies You can deliver this same high level of diligence - And negotiate better modification terms for your clients - While reducing your internal costs. CLICK HERE For More Information On Your "Affiliated Business Arrangement"... |
| FEDERAL SB94 DISCLOSURE REQUIRED BY LAW: SEC. 9. Section 2944.6 is added to the Civil Code, to read: 2944.6. (a) Notwithstanding any other provision of law, any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, shall provide the following to the borrower, as a separate statement, in not less than 14-point bold type, prior to entering into any fee agreement with the borrower: It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov. |
| FEDERAL SB94 DISCLOSURE REQUIRED BY LAW: SEC. 9. Section 2944.6 is added to the Civil Code, to read: 2944.6. (a) Notwithstanding any other provision of law, any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, shall provide the following to the borrower, as a separate statement, in not less than 14-point bold type, prior to entering into any fee agreement with the borrower: It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov. |