Find out if your are eligible to lower your mortgage payment

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1. has no financial relationship with any lender, creditor or loan service. And, we never will! 
2. In order to better serve you, 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. is a FREE service for ALL users. Users will never ask for a credit card or personal banking info.
4. does not guarantee you will be approved for foreclosure relief.  Your lender has the sole discretion to approve your request. 
5. is not a law firm and is not licensed to practice law or provide legal advice.
6. 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
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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

  • 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.