1.You MUST get your file into the right hands.
Now if you were to call the toll-free number on your monthly statement to ask about modification what do you think the reaction would be? If you actually get a live person opposed to a recording, they'll likely be a low-level customer service agent who'd really prefer to have you off the phone so they can get on with their day. IT WILL SHOW YOU HOW TO GET TO THE DECISION MAKER IN YOUR REGION, THE PERSON WHO HAS THE HORSEPOWER TO GRANT YOUR APPROVAL.
2.You MUST apply for the correct program.
Your Specific Lender has many different programs available. People unknowingly apply for the wrong program all the time, and get denied. Based on your personal situation, we'll show you how to identify the program that will be the best fit and the most advantageous for you. People have the misconception that if they apply once and they are turned down, all is lost – NOT TRUE!
3.Your documents must be completed accurately.
You'll write a letter that explains what's gone wrong and why you need help. If the letter is too short or too long what happens? -Your entire file will be pushed aside for later. We'll show you how to create a perfect letter of hardship. The right length and the right content is everything. There is content that has been proven effective, and content that will cause denial. We will show you how to put together the perfect letter.
The INCOME AND EXPENSE statement is another example of a document that needs to be completed accurately. This is a brief snapshot of your monthly income and expenses. Your income is what it is, but many of your expenses are variable or discretionary. These are things that you have control over. Items like food, clothing, household expense, auto maintenance, etc. There is an acceptable range for each of these items. If you are too low or too high on any of these, you will be denied. We will show you how to make sure that you are within the acceptable range.