The crucial information you need to secure a reliable loan modification and save your home
Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home.
This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself.
Read Loan Modification For Dummies and start saving your home today.
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Loan Modification for Dummies
Learn to:
Modify your loan, lower your monthly payment, and keep your home
Assess your needs when facing foreclosure
Reduce and fix your interest rate
Have delinquency fees and penalties waived
Ralph R. Roberts
Lois Maljak
Consumer advocates and authors of Foreclosure Self-Defense For Dummies
Secure a reliable loan modification and save your home
Behind on your mortgage payments? Worried about losing your home? Don't panic. This practical, hands-on guide shows you how to apply for and secure a loan modification that will lower your monthly payment and keep you in your home. You get step-by-step guidance in working with lenders, evaluating offers, negotiating, avoiding scams, and maintaining your financial health.
Prepare for the loan modification process — take stock of your situation, determine whether you qualify, evaluate your options, and team up with the right people
Submit a successful application — contact your lender, gather key documents, assess your needs, and prepare an effective hardship letter
Negotiate like a pro — explore different loan modification adjustments, analyze offers, spot red flags, and strategize to get more of what you want
Deal with uncooperative lenders — know your legal rights, audit your mortgage loan, uncover predatory lending practices, and use proof of violations to get a modification
Get the assistance you need — know when to contact your lender, a consumer support agency, a federal agency, or your state attorney general
Remember that you're not alone — read about the real-world experiences of other homeowners who faced foreclosure and avoided it with a loan modification
Open the book and find:
Loan modification explained in plain English
Proactive, forward-thinking advice
Reviews of foreclosure alternatives
Tips for securing the best terms and lowest monthly payment
Ways to keep the modification process on track and on time
Resources for obtaining low-cost third-party assistance
Hints for leveraging your legal rights
Advice on avoiding the foreclosure trap again
Ralph R. Roberts is a nationally recognized expert in the fields of loan modification, foreclosure self-defense, and real estate and mortgage fraud prevention, as well as an award-winning author. Lois Maljak is coauthor with Roberts of Foreclosure Self-Defense For Dummies.
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