Low fee solutions are a big part of our value system at helpUmodify.  We believe that the most common workout solutions should be simple to understand, efficient, and completed successfully without spending thousands of dollars in up front fees.  Our low cost, helpU Solutions will get the job done.  The following services are available to you with NO UPFRONT FEES.

helpUmodify will compile a complete and organized Loan Modification package and submit it to your lender for approval.  This service comes with FREE unlimited phone support to help answer all of your questions as we work through the process with your lender.   This service includes an analysis of your mortgage documents to determine if there is any evidence of mortgage fraud or predatory lending by your broker or lender.  This can serve as additional leverage when working with your lender.

If you have multiple lenders or multiple properties you will benefit from the schedule of real estate analysis with our recommendations of the other loans and/properties.  Separate modification services can then be purchased at a discounted price.

As part of your Modification Service we will detail Key Triggers in our Recommendation Letter to your lender that will help get your modification approved.  This not only includes Qualifying Factors and Compensating Factors, but also Aggravating Factors such as predatory lending, loan disclosure violations, broker misrepresentation (fraud), and other common sub-prime lending practices.

Finally, We will document any family hardships and draft a hardship letter for you to review and approve to submit to your lender.  We will package this with a detailed family budget analysis, back it up with your income documents, mortgage documents, credit report exhibits, all carefully organized and presented to you lender for approval.  We will then work with your lender directly to negotiate your workout solution

Package Requirements:

• About 30 minutes of your time.
• Complete the Secure Online Application & Family Budget
• Copy of your Most Recent Mortgage Statement(s) and any recent communications from your lender.

Service Includes:

• Package Completed and submitted in 3 business days
• All of the Analyzer Service Features (compare here)
• Plus…
• FREE Unlimited Telephone Support
• Mortgage Fraud Analysis
• Predatory Lending Analysis
• Multiple Lender Analysis
• Multiple Property Analysis
• Detailed Family Budget
• Lender Contacts
• Hardship Letter Draft (requires your approval)
• Complete Submission of Package
• Workout negotiations with your lender
• 100% Unconditional Satisfaction Guarantee

Purchase Package:

• Email link and instructions delivered in minutes.
• Low Flat Fee
• Click HERE to get started
  

If selling your home is your best option and you owe more then the home is worth then this service will facilitate a short sale with your lender.  helpUmodify will provide you with our complete short sale service including all lender negotiations.  The Short Sale negotiation process is extremely important as selling your home for less than you owe on it may result in taxable income.

In addition, many lenders sell the deficiency debt to third party attorney’s or collection agencies after they cancel the debt.  If not properly negotiated, you will be forced to repay this debt, often resulting in bankruptcy.

The service will include a Comparable Market Analysis to help you choose a selling price, a listing agreement from your preferred realtor (or a referral from helpUmodify), and our recommendation letter to your lender that includes your Qualifying Factors, Compensating Factors, and any Aggravating Factors such as predatory lending, loan disclosure violations, broker misrepresentation (fraud), and other common sub-prime lending practices.

Finally, We will document any family hardships and draft a hardship letter for you to review and approve.  We will package this with a detailed family budget analysis, back it up with your income documents, mortgage documents, credit report exhibits, all carefully organized and submit it to your lender.

As you begin to receive offers on your home, we will provide you with any additional documents your lender requires and continue to negotiate until your home is sold.

Package Requirements:

• About 30 minutes of your time.
• Complete the Secure Online Application & Family Budget
• Copy of your Most Recent Mortgage Statement(s) and any recent communications from your lender.

Upgrade Requirements:

• Details of any family hardships in the last 12 months.
• Mortgage Application from Purchase or Refinance
• Income Documentation used to qualify

Service Includes:

• All of the Analyzer Service Features (compare here)
• Plus…
• FREE Unlimited Telephone Support
• Mortgage Fraud Analysis
• Predatory Lending Analysis
• Multiple Lender Analysis
• Multiple Property Analysis
• Detailed Family Budget
• Hardship Letter Draft (requires your approval)
• Complete Lender Negotiations
• Complete Lender Submission
• 100% Unconditional Money Back Guarantee

Purchase Package:

• Email link and instructions delivered in minutes.
• Low Flat Fee
• Click HERE to get started

Because not all workout situations are the same, we have fully-customized solutions to fit your needs.  Whether it is as simple as negotiating a re-payment arrangement or as complex as advanced stages of default or multiple properties, we are here to help.

Note:  If your lender has recorded a Notice of Default on your property, you will need to contact us to discuss your situation before we can provide you with any of our brokered services.  There are also non-profit organizations such as www.995hop.org that may assist you.

Below is our most typical assistance work. Please contact us if you do not find what you are looking for.

Before contacting your lender to discuss your situation, be prepared to provide them with your family budget.  This includes all of you income and expense in your household.  Your lender will ask you for this information as a means of qualifying you for one of their standard workout solutions.  Be as accurate as you can as overestimating your income or your expenses may cost you an approval.

When communicating with your lender, clearly express your desire and intentions to keep the home.  Do not threaten to walk away from the home.  Lenders want to work with homeowners who truly desire to stay in their homes and are willing to work through their challenges.

While exploring workout solutions with your lender, keep up on your payments as best you can.  Contrary to what you are hearing out there, purposefully withholding mortgage payments as a means of negotiating is bad advice and can cost you the ability to obtain a better mortgage as conditions in the mortgage market improve and other workout solutions become available.