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Overview

Loan Modification for Dummies

Learn to:

  • Modify your loan, lower your monthly payment, and keep your home

  • Assess your needs when facing foreclosure

  • Reduce and fix ...

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Loan Modification For Dummies

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Overview

Loan Modification for Dummies

Learn to:

  • Modify your loan, lower your monthly payment, and keep your home

  • Assess your needs when facing foreclosure

  • Reduce and fix your interest rate

  • Have delinquency fees and penalties waived

Ralph R. Roberts

Lois Maljak

Consumer advocates and authors of Foreclosure Self-Defense For Dummies

Secure a reliable loan modification and save your home

Behind on your mortgage payments? Worried about losing your home? Don't panic. This practical, hands-on guide shows you how to apply for and secure a loan modification that will lower your monthly payment and keep you in your home. You get step-by-step guidance in working with lenders, evaluating offers, negotiating, avoiding scams, and maintaining your financial health.

  • Prepare for the loan modification process — take stock of your situation, determine whether you qualify, evaluate your options, and team up with the right people

  • Submit a successful application — contact your lender, gather key documents, assess your needs, and prepare an effective hardship letter

  • Negotiate like a pro — explore different loan modification adjustments, analyze offers, spot red flags, and strategize to get more of what you want

  • Deal with uncooperative lenders — know your legal rights, audit your mortgage loan, uncover predatory lending practices, and use proof of violations to get a modification

  • Get the assistance you need — know when to contact your lender, a consumer support agency, a federal agency, or your state attorney general

  • Remember that you're not alone — read about the real-world experiences of other homeowners who faced foreclosure and avoided it with a loan modification

Open the book and find:

  • Loan modification explained in plain English

  • Proactive, forward-thinking advice

  • Reviews of foreclosure alternatives

  • Tips for securing the best terms and lowest monthly payment

  • Ways to keep the modification process on track and on time

  • Resources for obtaining low-cost third-party assistance

  • Hints for leveraging your legal rights

  • Advice on avoiding the foreclosure trap again

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Product Details

  • ISBN-13: 9780470555330
  • Publisher: Wiley
  • Publication date: 7/30/2009
  • Series: For Dummies Series
  • Sold by: Barnes & Noble
  • Format: eBook
  • Edition number: 1
  • Pages: 288
  • Sales rank: 359,507
  • File size: 2 MB

Meet the Author

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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Table of Contents

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.

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