Loan modification services you can trust

Are you thinking you need a loan modification?

Has the time come when you've realized that your loan payment is no longer within your monthly budget? If so, you need to explore what your options are. First, please realize that you are not alone- there are hundreds of thousands of Americans who are in need of a loan modification or some sort of adjustment to their loan.

How did this big mess all come about?

That is a good question! I can explain exactly what happened and you'll have a clear understanding of how we got here and what the future might hold. There were several factors out of the control of the average homeowner.

First, understand that most people purchase homes based on the monthly payment. When the Federal Reserve loosened credit to save the economy in the wake of the NASDAQ dot-com tech wreck, plus the added disaster of September 11, 2001, the Fed had no control over where all that extra money and credit would flow. Most of that money found a home in, well, homes. Pardon the pun. The law of supply and demand dictates that anthing that is in over-supply becomes less valuable. So with all that extra money sloshing around, it became "cheaper" to use...meaning that interest rates, which are the fees that you pay to borrow money, went way down. So whereas it used to take $1000 per month to service $100,000 in debt, with lower interest rates it only took $600 or so to service the same $100,000 debt.

The immediate consequence was that home sellers naturally adjusted the price of their homes upward to reflect the added buying power of the buyer. For example, if a buyer could afford a monthly payment of $3000, then under regular interest rates $3000 would service $300,000 in debt.

But under the cheaper interest rates, $3000 would now service $500,000 in debt. (Remember in the paragraph above, service on $100,000 of debt dropped from $1000 to $600. Divide $3000 available by $600 and you end up with 5, then multiply 5 by $100,000 to arrive at $500,000.) So again, with this cheaper money available, prices naturally rose over time from $300,000 to $500,000.

The next factor was that once homebuyers saw prices rising so drastically, many people feared that if they didn't buy soon, they'd never be able to afford a home. Other people bought homes to speculate on the rising valuations. The consequence of all this additional buying drove prices even higher. Supply and demand again came into play- higher demand for a limited number of homes drove prices up- which spurred more panic buying.

As prices went up, all kinds of exotic loan programs were created based on home values increasing. These mortgage companies offered homeowners a loan at a low rate knowing or hoping they would average out the rate higher on the back end of the loan. For example banks would offer buyers a 5 year fixed loan at 4.5 percent, with a variable on the back side. As the mortgage companies were offering these loans, we home owners were thinking that after the 5 years we could just refinance.

Finally, (and this is the most complicated part) Wall Street played a very big role in the housing bubble. It used to be that if you wanted a home loan, you went to a bank and the bank loaned out it's own depositors money. Therefore, the bank was very careful to make sure that buyers were creditworthy and had the down payment, income, and assets necessary to service the loan. After all, the bank did not want to lose money ad it kept the mortgage on it's books as an asset that the homeowner would pay on. But all that changed when Congress and Wall Street got involved. Instead of keeping a loan on the bank's books for the length of the loan (usually 30 years) Wall Street offered to buy the loan from the bank and then bundle up lots of loans into securities that Wall Street could then sell on the open market.

The consequence of this was that the bank no longer had to be certain that it's borrowers were creditworthy. The bank did not keep the loans, but rather originated them and then sold them to Wall Street. So the bank did not have a vested interest in evaluating the buyer...because they could transfer their risk to Wall Street, which then passed the risk onto unsuspecting investors in so-called Mortgage Backed Securities.

It all worked just fine until people started to realize that there was not an unlimited supply of buyers in the world, no matter how cheap money was. At that point, prices had peaked and interest rates had bottomed and some folks heard that the lowest-quality Mortgage Backed Securities were comprised of loans taken out by people who had no means, intention or ability to pay back.

Two things to remember: 1. What goes up must come down...even real estate, and 2. In economics, everything is connected. Once investors in Mortgage Backed Securities found out that some of the securities were valueless, or at least worth much less than what they'd been led to believe, the investors didn't want to buy any more securities. Which meant that Wall Street couldn't sell any more securities. Which meant that banks couldn't sell mortgages to Wall Street. Which meant that banks had to hold the loans themselves. Which meant that the banks suddenly started scrutinizing the creditworthiness of the buyers much more closely. Which meant fewer buyers qualified, and therefore fewer purchases were made, and suddenly prices stopped rising and started to fall.

The big problem begins

At the same time, interest rates moved higher, to compensate the banks for taking the risk of holding a mortgage. As rates went higher, prices had to start their descent thereby introducing some people to the idea of negative equity- and people who had no assets, no down payment and limited income started walking away from their properties. For people with adjustable-rate loans, as rates moved up, home prices fell, equity was lost, and previously ubiquitous loan programs that-we were all relying on-disappeared almost overnight. The log jam began, with fixed homeowner "teaser" rates converting to adjustable rates with skyrocketing payments.

It's no wonder people have begun walking away from their homes. Any smart business owner will tell you to never keep a depreciating asset on your books. Homeowners started moving out, leaving only the keys behind. Mortgage companies were no help. They refused to work with their former customers, as there was no way to justify lending on a home with negative equity. Each day hundreds of homeowners are now coming to the realization that they cannot afford the home they live in.

This is one of the few times in history where billions if not trillions of dollars of value have evaporated. Every transaction has a buyer and a seller. Usually, the buyer pays for his purchase in full and if he so desires, sells it at a later time for a higher or lower price. In the recent housing bubble, everyone bought their homes on credit and banks loaned money on credit. Now with current real estate market conditions, homes are being repossessed at a greatly lower value. Hence, value evaporation.

The beginning of the big mess clean up

Now that homes are going into foreclosure or short sales at alarming rates, the government and banks are trying to do something about it. They have to, as the aftermath of a real estate crash will have enormous repercussions. However, Hurricane Katrina taught us that it's best to not wait on government assistance. You have to help yourself and your family first. Negotiating a loan adjustment with your bank may be the answer.

Watch out for the bad guy . . . again!

Beware...we're seeing companies pop up every day who claim to be coming to your rescue. When considering loan adjustment, it's important to be an informed consumer and not fall into another trap. Be discerning about who you choose to represent you to the banks. The guy who jumped on the daytrading bandwagon during the dot-com boom was the same guy who took advantage of you as a mortgage broker during the recent real estate boom...and he's the same guy coming back to you as a loan renegotiation "specialist". I can only imagine the programs they will tailor to get in your wallet just once more.

Be sure to choose ethical, experienced representation to renegotiate your loan.

	Lower your Monthly Payments!
	Lower your Interest Payments!
	Reduce the balance of your loan!
	Eliminate your past due balances!
	Save your home, finances, credit and possibly even your life!

So let’s get started...

WARNING! If you are thinking of starting the foreclosure process, STOP, STOP, STOP!

You cannot afford to put your home into foreclosure. It is a time-consuming, stressful process that will end in the destruction of your credit and loss of your home. In many cases, you will be responsible for paying back the difference between what you owe and what the bank sells your home for. In rare cases where you aren't required to make good on all that money, the IRS would like to have a few words with you as you'll be responsible for capital gains taxes. Imagine that, capital gains taxes after you lose your home to foreclosure!

All in all, you may end up with a huge debt and be forced into bankruptcy- another hellish scenario that can literally destroy your life.

Don’t let this happen to you...here is your opportunity to save your home, your credit and quite possibly your life!

My name is Jason Reed and I am a Mortgage Negotiation Expert. My team of professionals and I have created a simple, no-hassle way to save your home. It works like this:

You fill out a simple form with details of your current mortgage situation. We will review your information, contact your lender and negotiate a home-saving settlement on your behalf. We then present the settlement to you. Once you agree, just fill out some simple paperwor and you keep your home and peace of mind.

Now the process is more complicated than what we just stated, but that's our problem. For you it really will be that simple. We do everything on your behalf, with your best interests as our only goal.

DO NOT attempt to handle this alone! The bank is not on your side! You want a team of professionals working on your behalf. Would you have major surgery without a Doctor? Would you build a house without a Contractor?

For over 10 years have helped countless families “live the dream” of home ownership. We are “insiders” on dealing with lenders, loans, negotiation strategies and all the legalese involved in a successful transaction.

Why would you attempt to deal with professional lenders on your own?

They will gladly take advantage of your distress and make an offer that is only in THEIR best interests. You may think you are getting a good deal, but most homeowners will find out years later how they were taken advantage of. Don’t be tempted to figure it all out yourself, leave it to professionals who do this every single day...we can and will save your home.

	IMPORTANT! Let me make a promise to you! I will NEVER work with you if I cannot help you! We offer a legal and ethical way to save your home. You may be getting barraged with every sleazy pitch from unethical hucksters looking to use your crisis to line their pockets. You will get nothing but honest, ethical solutions to your current crisis that will have you back on track, enjoying life again -

Need proof? I am one of the few professionals in this industry who have zero, zip, zilch negative marks on my industry report! This is very rare in an industry full of predators...put your confidence in me and my team of professionals and you will be glad you did!

So what happens if you don’t use our home-saving strategies?

First off you will go through the agony of foreclosure. A long tedious and stressful process that solves nothing. Then you and your family will be looking for a new place to live. Forget about buying another house, that will not happen for many years. So, next option - live with relatives...sound exciting? Or like most people you will opt for the rental market. Only problem is, your credit is destroyed now, so any new landlord will be very nervous about renting to you. You will undoubtedly have to come up with first and last months rent along with an additional security deposit. You will also need to figure out how to move all your belongings, store anything you can’t take with you and will likely be paying close to the same amount per month in rent. All said and done, you will need $3,000-$5,000 minimum to get into a new place, that isn't’t your home, and every Month your money will be going down the drain. Did I mention the loss of tax benefits of home ownership? Add the stress on your family, the stigma of foreclosure and destroyed credit, and a possible huge debt from your lender and you will realize...

Using our loan modification strategy is the ultimate no brainer! Save your self money now by acting fast. For only $2997

Our legal team will negotiate a NEW DEAL, on your behalf, with your best interests in mind.

It is 100% RISK-FREE! -And to make this a real no-brainer...if we can’t save your home - you get ALL your money back!

You will be spending the money regardless but here is what those same dollars do...

$2997 enlists a team of professionals to rapidly negotiate a best possible home-saving, credit-saving loan modification, GUARANTEED! $2997 gets you into a new rental home, your credit is destroyed, you have worked your tail off, you likely still have a 6-figure debt to the old lender and you are likely experiencing anxiety and maybe even depression.

Friend, don’t let this happen to you - we are an honest ethical team of professionals who want nothing more than to help you! We back this by giving you are 100% success or you don’t pay guarantee. You cannot lose - you will lower your payments, interest rate, principal balance and will save your home! And if for some reason your situation cannot be saved you pay NOTHING, nada, zero!

But you must contact us NOW! We can only take on a limited number of clients as you can imagine this requires a lot of work and negotiation on our part. While you are relaxing at home we will be haggling with your lender, doing the dirty work and securing a no-brainer deal for you and your family!

Simply fill out the form below and I will contact you within 24 hours for a no-hassles, no-pressure and absolutely no-sales call to discuss your situation.

To be completely honest, I will not even take your case if I’m not convinced I can help you. I pride myself on success with ALL my clients so my review of your case will determine if we can help you. If we can, let’s get this crisis behind us and have you enjoying life in your home once again.

All the Best,
Dennis J.Langlais - Home-Saving Specialist



P.S. Remember... you cannot afford to go through the foreclosure process. It is emotionally, financially and physically a nightmare that will last a decade. One phone call is all it takes to STOP the downward spiral!

P.P.S. IMPORTANT: If we decide to take your case as our client you can sit back and relax. If we cannot save your home, you pay NOTHING! This is a RISK-FREE offer that has no downside, only lots of upside!

P.P.S. As much as I love what I do, I also love to golf, hit the gym and relax...I will only be taking on 5 clients per week. You must call or fill out the form TODAY! I work with clients on a first-come, first-serve basis!

Do you really think you can get a better deal from your banks than professionals can?

Don’t let the bank take advantaqe of you?

What's in it for me? I will be honest - I get paid when you get help - and only when you save your home, credit ... For only $2997

How can I pay up front if I can’t even afford my mortgage?

Here’s your options....

	Call me to help you get through this mess, it's free and no hidden fee's
	Or start saving your first & last months rent
	Prepare to run into snags with credit tying to qualify for a place. in a decent neighborhood, with good schools, with no parking problems, miserable HOA rules or neighbors with loud dogs music.
	Good luck finding a decent neighborhood, with good schools, with no parking problems, amid now prepare your self for miserable HOA rules or neighbors with loud dogs or music.
	Save your home, finances, credit and possibly even your life!

2 options call me if you dare or fill out this form anonymously and I will give you a FREE pre-e val Most people will never disclose their fee structure ...I will, why, because I am different and genuine and I am here to prove it!