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Full Description
The crucial information you need to secure a reliable loan modification and save your home Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly 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 a knowledgeable loan modification specialist, if you choose not to do it yourself.*Advice on determining whether you're likely to qualify for your lender's loan modification program* Guidance on preparing and submitting a loan modification application that improves your chances of success* Helps you figure out a monthly payment you really can afford* Tips on modifying your loan even when you owe more than your home's current market value* Negotiation advice for securing the best possible terms and lowest monthly payment* Resources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your side Read Loan Modification For Dummies and start saving your home today.
Contents
Introduction. Part IChapter 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.
