The crucial information you need to secure a reliable loanmodification and save your home
Behind on your mortgage payments? Worried about losing yourhome? Don’t panic. Loan Modification For Dummies gives youthe reliable, authoritative, easy-to-understand guidance you needto apply for and secure a loan modification that lowers yourmonthly house payment and keeps you in your home.
This practical, plain-English guide leads you step by stepthrough the loan modification process, from contacting your lenderto applying for a loan modification, evaluating the lender’sinitial offer, and negotiating a modification that lowers yourmonthly payment while helping you catch up on any past-due amounts.You’ll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find aknowledgeable loan modification specialist, if you choose not to doit yourself.
* Advice on determining whether you’re likely to qualify for yourlender’s loan modification program
* Guidance on preparing and submitting a loan modificationapplication that improves your chances of success
* Helps you figure out a monthly payment you really canafford
* Tips on modifying your loan even when you owe more than yourhome’s current market value
* Negotiation advice for securing the best possible terms andlowest monthly payment
* Resources for contacting your lender, obtaining free oraffordable third-party assistance, and getting government agencieson your side
Read Loan Modification For Dummies and start saving yourhome today.
Inhaltsverzeichnis
Introduction.
Part I: Getting Up to Speed on Loan Modification.
Chapter 1: Keeping Your Home by Modifying Your Loan.
Chapter 2: Taking Stock of Your Situation.
Chapter 3: Evaluating Your Options.
Chapter 4: Deciding Whether to Team Up with a Pro or Fly Solo.
Part II: Kick-Starting the Process: Applying for a Loan Modification.
Chapter 5: First Things First: Contacting Your Lender.
Chapter 6: Gathering Facts, Figures, and Documentation.
Chapter 7: Knowing What to Ask For.
Chapter 8: Preparing and Submitting Your Application.
Chapter 9: Keeping the Process on Track and on Time.
Part III: Hammering Out the Details with Your Lender.
Chapter 10: Discussing Loan Modification Scenarios with Your Lender.
Chapter 11: Evaluating Your Lender’s Initial Offer.
Chapter 12: Negotiating a Better Deal.
Part IV: Dealing with an Uncooperative Lender.
Chapter 13: Brushing Up on Your Legal Rights.
Chapter 14: Auditing Your Mortgage Loan.
Chapter 15: Applying Some Legal Pressure.
Part V: The Part of Tens.
Chapter 16: Ten Tips for Long-Term Success.
Chapter 17: Ten Common Loan Modification Myths.
Part VI: Appendixes.
Appendix A: Resources.
Appendix B: Glossary.
Index.
Über den Autor
Ralph R. Roberts is a nationally recognized expert in the fields of loan modification, foreclosure self-defense, and real estate and mortgage fraud prevention, as well as an award-winning author. Lois Maljak is coauthor with Roberts of Foreclosure Self-Defense For Dummies.
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