headerphoto

MacBook:Users:johnkrochman:Desktop:HelpUModify:Analyzer.jpgAdvocacy Opportunities
helpUmodify.org has recently expanded our reach in the communities by offering advocacy opportunities to dedicated individuals who desire to help their respective communities deal with this housing crisis.  Candidates must meet all of the following qualifications;

Requirements:

  • Licensed Loan officer, Real Estate Professional, Broker, or Attorney.
  • Minimum 2 years experience in your field with sound financial knowledge.
  • Must not be involved in any other loss mitigation or foreclosure related services.
  • Must pass a complete background and reference check.
  • Should be involved in your community through community programs, not-for profit programs or faith-based organizations.
  • Must posses a strong desires to help homeowners in these challenging times

Along with helping homeowners in your community, this position provides an income earning opportunity on a per file basis.  If you believe this opportunity is for you, please send your resume to Advocacy@helpUmodify.org and we will schedule an interview.

Do-it-Yourself TIP #1

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.


Do-it-Yourself TIP #2

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.


Do-it-Yourself TIP #3

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.


Do-it-Yourself TIP #4

Prepare yourself for a long drawn out fight with your lender, perhaps the fight of your life.  You can expect the process to take upwards of 120 days and possibly having to start over once or twice to achieve the desired results.  Make your workout solution a part time job and dedicate 2 to 3 hours a week doing research and contacting your lender(s).