Are You At Risk Of Losing Your Home? Would Lower Payments Help? Your Insider’s Guide on Taking Matters Into Your Own Hands!

Your Insider’s Guide on Taking Matters Into Your Own Hands!

You Have Options If… You’re struggling to get out from under your mortgage Your loan has adjusted or is about to adjust You’re facing foreclosure You owe more than the property is worth You need to reduce your monthly payment for any reason You are considering hiring a loan modification specialist or attorney

You’re struggling to get out from under your mortgage

Your loan has adjusted or is about to adjust

You’re facing foreclosure

You owe more than the property is worth

You need to reduce your monthly payment for any reason

You are considering hiring a loan modification specialist or attorney

FACT: Most Americans Largest Debt is Their Home

As a homeowner, you have options! The Best Loan Modification The Good Short Sale The Bad Sell the House Forbearance and The Ugly Foreclosure Bankruptcy

The Best

Loan Modification

The Good

Short Sale

The Bad

Sell the House

Forbearance

and The Ugly

Foreclosure

Bankruptcy

Let’s start with…The Ugly Foreclosure The worst possible scenario Will leave you homeless and creditless for years to come For the most part it is completely unnecessary

The worst possible scenario

Will leave you homeless and creditless for years to come

For the most part it is completely unnecessary

The Ugly: Chapter 13 Bankruptcy A forced settlement on your creditors In some cases, you pay back close to 100% of the debts (especially secured debts, like mortgages), but on a 3, 5 or 7 year payout. Must be working and able to make payments Destroys your credit for a minimum of 7 years

A forced settlement on your creditors

In some cases, you pay back close to 100% of the debts (especially secured debts, like mortgages), but on a 3, 5 or 7 year payout.

Must be working and

able to make payments

Destroys your credit for a

minimum of 7 years

The Bad: Put the House Up for Sale Houses on the market are a dime a dozen right now You’ll have to lower your price for a quick sale Lower price may not generate enough money to pay off the underlying debt

Houses on the market are a dime a dozen right now

You’ll have to lower your price for a quick sale

Lower price may not generate

enough money to pay off

the underlying debt

The Bad: Forbearance Requires you to come up with more out-of-pocket money each month. If you are thousands in arrears, the bank will stop the foreclosure process and give you two monthly payments instead of one. The loan on the past-due amount could be for 5 to 10 years with interest rates varying depending on your credit score, job history, and ability to pay.

Requires you to come up with more out-of-pocket money each month.

If you are thousands in arrears, the bank will stop the foreclosure process and give you two monthly payments instead of one.

The loan on the past-due amount could be for 5 to 10 years with interest

rates varying depending on

your credit score, job history,

and ability to pay.

The Bad: Refinance You’re taking out a new loan to pay off the old loan (usually at a higher interest rate) New loan comes with closing costs, gobs of paperwork, and possibly higher payments If you’re already delinquent on your mortgage payments, the odds of getting a refinance are slim to none

You’re taking out a new loan to pay off the old loan (usually at a higher interest rate)

New loan comes with closing costs, gobs of paperwork, and possibly higher payments

If you’re already delinquent

on your mortgage payments,

the odds of getting a

refinance are slim to none

The Good: Short Sale and Rent Back Bank agrees to take less than the house is worth or what they were originally owed on the loan You do not receive any financial benefit from the transaction In some cases, investor will rent you back the home at a lower monthly payment than the previous mortgage

Bank agrees to take less than the house is worth or what they were originally owed on the loan

You do not receive any financial benefit from the transaction

In some cases, investor

will rent you back the home

at a lower monthly payment

than the previous mortgage

The Best: Loan Modification…

Loan Modification Unlike a refinance, you’re not borrowing any new money or getting a different loan Instead, the lender may: Reduce or modify the interest rate Extend the term of the loan Lower the principal amount owed Change the monthly payments Combine any of the above

Instead, the lender may:

Reduce or modify the interest rate

Extend the term of the loan

Lower the principal amount owed

Change the monthly payments

Combine any of the above

Reasons for a Loan Modification You don't qualify for refinancing You want or need a lower mortgage payment You owe more than your house is worth You've fallen behind on your mortgage payments You want to avoid or stop foreclosure proceedings

You don't qualify for refinancing

You want or need a lower mortgage payment

You owe more than your house is worth

You've fallen behind on your mortgage payments

You want to avoid or stop foreclosure proceedings

Why Loan Modifications Make Sense You stop foreclosure and keep your home You potentially reduce the principal amount owed You can actually afford your home You lengthen the term of your loan You fix a lower interest rate for the life of the loan without worry of an increase such as in an adjustable rate mortgage (ARM)

You stop foreclosure and keep your home

You potentially reduce the principal amount owed

You can actually afford your home

You lengthen the term of your loan

You fix a lower interest rate for the life of the loan without worry of an increase such as in an adjustable rate mortgage (ARM)

This Could Be You You purchased your home in 2006 on a 3-year ARM scheduled to adjust next month You paid 200,000 for your home @ a 5 % teaser rate Your Total Monthly Payment is: $1,073.64 Next month’s rate will adjust to 9.5 % making your new payment $1,681.71 = A $608.07 per month difference Will this be affordable for you?

You purchased your home in 2006 on a 3-year ARM scheduled to adjust next month

You paid 200,000 for your home @ a 5 % teaser rate

Your Total Monthly Payment is: $1,073.64

Next month’s rate will adjust to 9.5 % making your new payment $1,681.71 = A $608.07 per month difference

Will this be affordable for you?

This Could Be Your Solution You contact your lender and ask them to forego the adjustment and fix your payments at 4% interest for the next 35 years Your new monthly payment would be: $885.55 A savings of $796.16 per month Total savings over the life of the loan $334,387.20 Question: What would you pay to save over $300,000 and keep your home?

You contact your lender and ask them to forego the adjustment and fix your payments at 4% interest for the next 35 years

Your new monthly payment would be: $885.55

A savings of $796.16 per month

Total savings over the life of the loan $334,387.20

With integritydrivenloanmods.com: You will learn how to get lower payments from any bank on any mortgage and any loan You will know in a few moments if you qualify for a Loan Modification You’ll get up-to-date tips and secrets to help you through the process The best part is you are only a phone call away from a qualified Loan Modification Specialist

You will learn how to get lower payments from any bank on any mortgage and any loan

You will know in a few moments if you qualify for a Loan Modification

You’ll get up-to-date tips and secrets to help you through the process

The best part is you are only a phone call away from a qualified Loan

Modification Specialist

www.integritydrivenloanmods.com The Software Does All the Work For You: No Headaches or Piles of Paperwork Just a Super Simple, Easy to Follow Program

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

Here’s A Quick Look At This Simple Solution For Support Call 866-503-1844

What Does The Green Light Mean? For Support Call 866-503-1844

What Does The Yellow Light Mean? For Support Call 866-503-1844

What Does the Red Light Mean??? For Support Call 866-503-1844

With Integritydrivenloanmods.com you won’t have to: Pay excessive fees to people who represent themselves as loan modification “experts” Deal with a mortgage broker or loan officer Pay excessive Lender Charges Shell out for Title Charges Lose precious time from work for appointments with banks and attorneys Deal with real estate attorneys Go cross-eyed reading and signing contracts

Pay excessive fees to people who represent themselves as loan modification “experts”

Deal with a mortgage broker or loan officer

Pay excessive Lender Charges

Shell out for Title Charges

Lose precious time from work for appointments with banks and attorneys

Deal with real estate attorneys

Go cross-eyed reading and signing

contracts

Another Example of Savings From A Loan Modification $300,000 loan, 30 Year Amortization, Principal and Interest Payments 6% = $1,798.00 per month 5% = $1,610.00 per month 4% = $1,432.00 per month Difference from 6% to 4% : $366 per mo. 5 Year Savings: $21,960 30 Year Savings:$131,760

$300,000 loan, 30 Year Amortization, Principal and Interest Payments 6% = $1,798.00 per month

5% = $1,610.00 per month

4% = $1,432.00 per month

Difference from 6% to 4% : $366 per mo.

5 Year Savings: $21,960

30 Year Savings:$131,760

Experience These Benefits With The Loan Renovator Loan Modification Program Reduce your monthly mortgage payments by modifying your loan Avoid or stop foreclosure proceedings Modify mortgages on multiple properties and multiple loans Skip the appraisal, title or escrow fees, and credit checks

Reduce your monthly mortgage payments by modifying your loan

Avoid or stop foreclosure proceedings

Modify mortgages on multiple properties and multiple loans

Skip the appraisal, title or escrow fees, and credit checks

Loan Modification Programs like this Can Cost… Upwards of $5,000- $10,000

TODAY LoanRenovator WILL ONLY COST $999.00

You’ll Also Get: LoanRenovator Software Loan Modification Specialist Hotline Forms for Loan Modification (agreements, sample forms, etc) Your Comprehensive Loan Modification Guide Book 4 Unbelievable Educational Audio CDs Jam packed with your Available Options Banks Don’t Want You to Know Loan Modification Short Sale Short Sale & Lease Back Less Than Desirable Options and the Insider Secrets to Get Around Them Forbearance Bankruptcy Foreclosure Negotiating Your Loan Modification / Finalizing Your Transaction Detailed explanation on the Software and how to Create a Workout Package that gets results!

LoanRenovator Software

Loan Modification Specialist Hotline

Forms for Loan Modification (agreements, sample forms, etc)

Your Comprehensive Loan Modification Guide Book

4 Unbelievable Educational Audio CDs

Jam packed with your Available Options Banks Don’t Want You to Know

Loan Modification

Short Sale

Short Sale & Lease Back

Less Than Desirable Options and the Insider Secrets to Get Around Them

Forbearance

Bankruptcy

Foreclosure

Negotiating Your Loan Modification / Finalizing Your Transaction

Detailed explanation on the Software and how to Create a Workout Package that gets results!

For the cost of a Latte every couple of days for a year, you could save Hundreds of Thousands of Dollars over the lifetime of your loan!!!!

Best of all, you’ll be in direct communication with your bank. No possibility of important things being lost in translation by someone else you paid to negotiate on your behalf. You Will Have 100% Control of Your Family’s Future!!!

TAKE ADVANTAGE OF THIS SPECIAL OFFER TODAY!!! Questions?