Bonus Video

Finding a Really Good Short Sale Real Estate Agent

In this final video of an 11 video series on loan modifications,

We will look at how to find a really good real estate agent

to help you with a short sale in case Your loan modification

is not going to be approved.

Loan Modification Success Video #11

Bonus Video

Finding a Really Good Short Sale Real Estate Agent

If You are in the Phoenix, AZ area and need help, please use the form below to contact me right away.

Negotiating With Your Lender

In this 10th video of an 11 video series on loan modifications,

We will look at how to Negotiate With Your Lender.

 Negotiating tips:

7. What would you do knowing what you know about the loan mods guidelines if this were your home? – HUGE and Powerful statement.

8. Make sure you fax over new pay stubs and bank account statements every 30 days.

9. We don’t want to have to do a short sale and then your investor loses all that money.

10. We don’t want to be the next REO (Bank Owned Home)

11. Bottom line -  what should we do?

Different ways your lender can reduce your payment:

Loan Modification Success Video #10

Negotiating With Your Lender

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Submitting Your Short Sale Package

In this 9th video of an 11 video series on loan modifications,

Time to Submit Your Loan Modification Package!

Loan Modification Success Video #9

Submitting Your Short Sale Package

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Loan Modification Tips & Tricks

In this 8th video of an 11 video series on loan modifications,

We will look at some:

 TIPS, TRICKS & THINGS YOU NEED TO BE AWARE OF!

Great job!

Here are a few tips and tricks and questions you might want to ask your lender.

What is the address to send my completed package to and can I overnight it?  – Some people prefer to FexEx or UPS their loan mod package to the lender. You will get confirmation delivery so most times they will not “lose” your package.

What are your policies for Loan Modification? Some lenders require you to be delinquent before they will consider a modification.  What is the debt to income ratio they will accept?

Do not be afraid to ask them what their policies are!

Do you only accept applications for modifications on your own forms?  – Like we discussed in previous videos, make sure you check your lender’s website or ask them when you call in.

Loan Modification Success Video #8

Loan Modification Tips & Tricks

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Wrapping Up Assembly of Your Loan Modification Package

In this 7th video of an 11 video series on loan modifications,

We are finishing up assembling Your loan modification package including:

Bank Statements, Pay Stubs, IRS 4506t, Tax Returns

4506t -  If a 4506t form from the IRS is not in your lender’s mod package then google it and download online. All people named on the mortgage must sign everything!

Remember one huge point – -

 If you have a loan for something, car, boat, motorcycle, that you had to have your credit run to purchase, it will show up on your credit report.

If you don’t disclose it and try to hide it and get caught…. No loan mod.

Loan Modification Success Video #7

Wrapping up Assembly of Your Loan Modification Package

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Creating Your Impressive Hardship Letter

In this 6th video of an 11 video series on loan modifications,

We are going to look at writing as good of a hardship letter as we can.

 I am going to show you some very good techniques!

Loan Modification Success Video #6

Creating Your Impressive Hardship Letter

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Assembling Your Loan Modification Package

In this 5th video of an 11 video series on loan modifications,

We are going to look at Assembling Your Loan modification Package including:

Alright, if you have made it this far and you haven’t punched your computer screen or hired a hit man to kill me, let’s get your loan modification package assembled and ready to submit to your lender.

NOTE: Please visit your lender(s) website and see if they have a proprietary loan modification package they want you to use.

The Freddie Mac financial form you downloaded and filled out before, is usually accepted but I would check the website or call the lender first to make sure.

Loan Modification Success Video #5

Assembling Your Loan Modification Package

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Financial Analysis

In this 4th video of an 11 video series on loan modifications,

We are going to look at Financial Analysis including:

FINANCIAL STATUS & POSITION ANALYSIS
(Current Income / Expenses as compared to Previous (When you qualified to buy the home))

This is the KEY to success or failure!

This is the whole key to a loss of income loan modification!

(70% or more people in trouble experience loss of income hardships at this time)

Download the most widely used Financial form for Short Sales here –> Download Here

Loan Modification Success Video #4

Financial Analysis

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Hardship Reasons

In this 3rd video of an 11 video series on loan modifications,

We are going to look at hardship reasons including:

• Loss of Job
• Reduced Income
• Failed Business
• Medical Bills – Short Term
• Illness – Short Term
• Divorce
• Marital Separation
• Death of Spouse or C0-Borrower
• Military Duty
• Job Relocation

Loan Modification Success Video #3

Hardship Reasons

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.

Myths & Facts About Loan Modifications

In this 2nd video of an 11 video series on loan modifications,

We are going to look at:

Loan Modification Success Video #2

Myths & Facts About Loan Modifications

FYI:

ROLE YOUR LENDER PLAYS

If you find out you are not eligible for a loan modification, it is your fault, not your lenders.

Even though you went to your bank for your home loan, most likely some other group, investor or person actually owns the loan.

Your bank only services your loan.

They must abide by the guidelines as outlined by the investor.

They can not bend these guidelines! You must qualify!

ALL RIGHTS RESERVED.

The information in this presentation is protected by one or more global copyright treaties. This presentation is not intended to provide exact details or advice. This presentation is for informational purposes only. Author reserves the right to make any changes necessary to maintain the integrity of the information held within. This presentation is not presented as legal, accounting or tax advice. All rights reserved, including the right of reproduction in whole or in part in any form. No parts of this presentation may be reproduced in any form without written permission of the copyright owner.

NOTICE OF LIABILITY
In no event shall the author or the publisher be responsible or liable for any loss of profits or other commercial or personal damages, including but not limited to special incidental, consequential, or any other damages, in connection with or arising out of furnishing, performance or use of this course.

TRADEMARKS

Throughout this course, trademarks are used. Rather than put a trademark symbol in every occurrence of a trademarked name, we state that we are using the names in an editorial fashion only and to the benefit of the trademark owner with no intention of infringement of the trademarks.

DISCLAIMER

Mark Stafford is a licensed real estate agent in the State of Arizona.

Use of the information in this course is not warranted and is given to you AS IS.

The information in this course is based on my actual experiences and opinions.

Please use common sense when applying any of the strategies in this course.