There are over 3 million families in the US today who are struggling with their mortgage situation. A lot of them are already at the verge of losing their homes and are desperately looking for a way to avoid foreclosure. While most homeowners know that applying for a loan modification is probably one of their best options in saving their home, there is a lot of confusion on whether they should be applying on their own or utilizing the services of a loan modification consultant. Many experts will tell you that it is better to apply and negotiate with your mortgage lender on your own, but they won’t tell you how exactly to do this. They will give you the insight on what it takes to get a loan modification application approved.
When you call Suntrust, you may actually find yourself talking to someone who has no decision-making authority at all. However, this person has more power than you will ever know if they are a gatekeeper. A gatekeeper is someone who controls the calls and messages that go to the loss mitigation specialist whose advice and approval you are seeking.
Phone Support- For me, phone support is probably the single most important aspect while purchasing any guide. Let’s face it, whenever there is an opportunity, many marketers will be able to write a basic guide quite quickly, put up a website claiming to be the best solution for your struggle with your lender they make a lot of money off of homeowners. But once end up purchasing the guide; you are completely on your own. What if you do not understand a particular chapter? What if you need more assistance in learning about all the terminology used? More importantly, what if you find out after purchase, the book does not really cover all aspects of getting a loan modification. This is the reason why phone support has got to be included with the purchase of a guide. You should not be left on your own after you purchase. There has to be someone to guide you through the book if you require any kind of assistance. In addition, it will give you complete peace of mind to know that you are not being scammed and you can call a number anytime whether before or after the purchase for any help that may be required.
Is the guide up to date? Several marketers or writers quickly write a book and then never bother to update it. Even the books that have been genuinely written by attorneys and loan modification consultants are often quite old and do not take into account all the new plans and rules set by the government. The Obama administration has come up with several guidelines for loan modifications called the Obama making home affordable program. For any loan modification guide you purchase, you must absolutely make sure that they cover the HAMP aka “Obama Plan” completely. Without that information, the guide would be completely useless to you. Call the guide’s author or publisher and find out about this if you have to. Of course, if there is no number listed on the website or just an email address, just leave the site. That should immediately set off the warning bells. No matter what the price, such a guide would not be worth your money if you can’t even talk to someone to discuss your situation.
It’s time to get serious about saving your home-make sure you are prepared and have your paperwork ready before you call Wells Fargo to apply for a loan modification. Even deserving borrowers can be turned down if they do not know how to complete their paperwork or say the wrong thing to the bank. This does not mean you should have to pay thousands of dollars to an attorney or company-you can do it yourself for free. The secret is to understand the basics so you can prepare your paperwork and get approved for the loan modification you deserve.
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