1. National Loan Modification Group
321-277-9379
1-888-577-1174 fax
www.yeswemod.com
What are the Qualifications for Loan Modification?
 Financial hardship and/or difficulty
 Currently behind in mortgage payment
 In an adjustable rate mortgage
 In a high interest fixed rate mortgage
 Ability to afford new mortgage payment
 Low or no equity in home
 Turn down for a refinance
What are the Advantages of Loan Modification?
 No new appraisal (in most cases)
 No credit check of minimum fico score
 No refinancing or closing cost
 Brings your mortgage payments current
 Protects your credit rating from further damage
 One time, flat fee for service
 Allows you to keep the equity in your home
What if the borrower/client is currently filling for bankruptcy, can we still help
them?
Yes. Although we can help you, your mortgage has to be discharged or dismissed from
the bankruptcy proceedings before we can negotiate a work out agreement with your
lender. Our professionals at PTB will then evaluate your case and present to you the best
options to help you save your home.
Steve Javier
321-277-9379 Se Habla Espanol

2. Questions from Home Owners (borrowers/clients)
Why would my current mortgage lender modify my loan?
Most lenders and service providers will negotiate the loan with us due to our reputation
and proven professionalism. The Federal Government has advised every lender to
cooperate with homeowners and there are legislations in place that allow the lender write-
off the losses. Last thing your lender wants to do is to foreclose on you. The costs to
foreclose far exceed the costs of modifying your loan.
Why can’t I do it myself?
Executing a loan modification on your own is the same as appearing in court without an
attorney; the attorney knows the relevant laws and is there to protect you in court just as
PTB knows the relevant lending laws and serves to protect and help you deal with the
lenders; i.e. – we speak their language! The lender will offer you the terms that are most
favorable and lucrative to them. We have professional loss mitigations negotiators and
legal specialists that are here to look out for your best interests and do everything in our
power to get you the best terms.
How long does the loan modification take?
The loan modification process timeframe varies in every case. We have to maintain
careful negotiations with the lenders, and some lenders move more quickly than others.
Additionally, with each lending institution being bombarded with more and more loan
modifications each day as more consumers are faced with foreclosure, the process can be
hindered. Our estimate is from six to twelve weeks from the start of the process to
completion.
Do you offer a 100% Money Back Guarantee on loan modifications?
Pierce, Taylor & Budrow offers all clients a 100% money back guarantee if we are
unable to negotiate a loan modification for you. PTB truly values all of our clients, and
wants to make sure you are completely comfortable with hiring us to service your needs.
We promise that you will not find a more professional, well-versed, friendly and cost
effective firm in existence today. We take great pride in our relationships with our clients.
Without you, we would not be here.
What is the loan modification process with Pierce, Taylor & Budrow?

3. 1. You complete the initial PTB application package
2. Deliver the completed package by mail, fax or email
3. PTB performs the initial file review and processing including fax authorization from
client allowing PTB to speak with the lender concerning your account (very important –
you need to authorize PTB to help you!)
4. PTB requests specific documentation from you to build their case and submit to the
lender to achieve your goals
5. PTB constructs your case for presentation to the lender, tailored specifically towards
your goals. PTB then ships the package to the lender and calls to confirm receipt of
package and to document the specific caseworker for your file.
6. PTB calls your caseworker at the lender and begins the negotiation process
7. Once an offer is presented by the lender to PTB that satisfies your goals, we contact
you to counsel you on every term of the offer presented by the lender
8. Once an agreement is made the lender, will mail an “Amendment of Contract” to you.
PTB will verify the terms along with you, have you sign the new agreement in front of a
notary and ship it back to lender
9. Loan Modification Successfully Completed!!!
What paperwork will you require from me?
In order to process your loan modification effectively we will need:
 Copy of your most recent mortgage statement or coupon
 Copy of the two most recent paystubs from all borrowers on the loan(s)
 Copy of the last two years of W-2’s or last two year’s tax returns if self-employed
 Verification of any source of income such as; rental agreements, social security benefit
statement, and/or any other
 Copy of the two most recent bank statements for all accounts
 Complete income and expense form supplied by PTB
 Write a detailed Hardship letter explaining the reason that led to the loan modification
Request
PS: The paperwork stated above is requested by PTB, once we receive the initial
package from the property owner.
Steve Javier
National Loan Modification Group
407-657-9468
1-888-577-1174 Fax