Find out if your are eligible to lower your mortgage payment

Select your lender:

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Disclaimers:
1. RateModification.com has no financial relationship with any lender, creditor or loan service. And, we never will! 
2. In order to better serve you, RateModification.com will distribute your information submitted throughout questionnaire to a third party in order for them to give you a more accurate consultation. Consultations may be provided via email, telephone or in person and you may at any time decline any further consultations.
3. RateModification.com is a FREE service for ALL users. Users will never ask for a credit card or personal banking info.
4. RateModifcation.com does not guarantee you will be approved for foreclosure relief.  Your lender has the sole discretion to approve your request. 
5. RateModification.com is not a law firm and is not licensed to practice law or provide legal advice.
6. RateModification.com provides a directory of lawyers, law firms and legal services that was built specifically to help people find the legal services they need.
7. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide to hire an attorney, ask  for information about their qualifications and experience.
STEP #1 Complete an online financial statement (10 minutes) and the software which will automatically calculate important lending ratios that must be considered.

STEP #2  Weigh your options 

STEP #3  RateModification Software automatically populate all necessary docs: Cover Sheet and Letter, Income & Expense Worksheets, Hardship Letter, Detailed Proposal, 4506-T, Schedule of Real Estate (if applicable), Profit & Loss (if applicable), etc.

STEP #4 Track lender package every step of the way.  
Email Us Your Approval
Share with other people your results. Your name and account information will be deleted before posting to RateModifcation.com. As a thank you, a framed and matted color copy will be mailed back to you.     EmailApproval@RateModification.com
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© 2010 RateModification.com. All rights reserved. CreditClock is a registered trademarks of RateModification.com. Terms and conditions, features, support, pricing and service options subject to change without notice. 
Software Features

  • Calculate Ratios Before Submission
  • PRINT Unlimited Packages
  • Updated Lender Database
  • Receive Updates FREE
  • 100% Turnkey system with 24/7 Access
  • SSL Encryption

PRINT Bank-Ready Loan Modification Packages
  • All Forms are Auto-populated with data entered in software
  • Prepare a package for your 2nd mortgage from the same account
  • Propose new payments and terms to your lender
  • Analyze the cost of foreclosure and lender's loss if they foreclose on property

Tutorials
  • Step by step Software Tutorials and Video Demo
  • Detailed instructions for using the software
  • Learn more about what banks are looking for and how to structure package
  • Weigh your options independently

Full Access:
  • Web-based Software, Access from Any Web-enabled Computer
  • Track Your Package
  • Create Notes
  • File Transparency (3rd-party Processor)

HAMP Proposal Module
  • Easily prepare HAMP friendly proposals!
  • Calculations for for front/back DTIs
  • Calculations for LTV & CLTV
  • Cash Flow Analysis
  • Breakdown on Cost to Foreclose
  • Estimated Lender Loss from Foreclosure

Create A Variety of Packages
  • HAMP Modification
  • HAMP Refinance
  • HAFA
  • Deed in Lieu
  • Short Sale
  • Forensic Loan Audit
  • Mortgage Settlement
  • Qualified Written Request

Track File Progress Every Step
  • Create & Save Notes
  • Create Tasks & Reminders
  • Easy  Calendar  
  • Track Sale Dates
  • Color Coded Pipeline Alerts

Document Storage
  • Centralized, Secured Doc Storage
  • Safely Store Your Complete Package Online in Digital Format
  • Upload and store multiple file formats like PDF, JPG, GIF, HTML, DOC, XLS, etc.

State-by-State Foreclosure Review /Legislation
  • Continually Updated Database of State Regulations
  • Each State has their own regulations pertaining to licensing, collecting advanced fees, penalties, etc..
  • Federal Programs & Guidelines
  • Resources and frequent updates to the HAMP program guidelines, and other programs, affecting the loan modification Industry will be discussed and posted here.
100% FREE MODIFICATION SOFTWARE