ATTENTION: Real Estate Professionals

There has never been a better time to move beyond the inefficient ways many real estate agents find themselves managing their short sale business. What if you could replace those outdated processes with a single solution that complete, affordable and easy to use? Now you can!

  • Act as a Resource
  • No Software to Download or Install
  • Instructional e-Book:  Short Sale Made Easy
  • Detailed instructions for using the software

  • Bank-Ready Short Sale Package
  • Bank-Ready Loan Modification Package
  • All Forms are Auto-Populated
  • Toggle displays and prepare packages for 2nd Mortgages

  • Built-In Proposal Module
  • Propose new payments and terms to your lender
  • Analyze the cost of foreclosure and lender's loss
  • Breakdown on Cost to Foreclose
  • Estimated Lender Loss from Foreclosure
  • Centralized, Secured Doc Storage
  • Safely Store Your Complete Package Online in Digital Format

  • Debt-to-income requirements
  • Loan-to-value requirements
  • Negative amortization prohibitions
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Did you know?
The HAFA Program streamlines both of these options to make them easier for a homeowner to work with their servicer. Under the program, a homeowner can receive $3,000 to help with relocation costs.

Homeowner:

State:

County:

Phone:

Property Use:

Property Type:

Select Lender:

Mtg. Balance 1st:

Mtg. Balance 2nd:

Are your mtg. payments current?

Estimated property value: 

Have you been served a foreclosure notice?

Options to Sell in Your Property
Short Sale Your Property

Many homeowners may feel that they can no longer afford their home, but want to avoid the negative effects of foreclosure. The Home Affordable Foreclosure Alternatives (HAFA) Program offers homeowners, their mortgage servicers, and investors an incentive for completing a short sale or deed-in-lieu of foreclosure. With these options, under HAFA, a homeowner leaves their home to transition to more affordable housing and alleviate the mortgage debt they owe.

These options are available for homeowners who:

1. do not qualify for a trial mortgage modification under the Making Home Affordable Program;
2. do not successfully complete the trial period for their modification;
3. miss at least two consecutive payments during their modification period; or
4. request a short sale or deed-in-lieu of foreclosure.

SHORT SALE

Deed-in-Lieu of Foreclosure
Generally, if the borrower makes a good faith effort to sell the property but is not successful, a servicer may consider a deed-in-lieu of foreclosure. With a deed-in-lieu, the borrower voluntarily transfers ownership of the property to the servicer— provided the title is free and clear of mortgages, liens, and encumbrances.


Disclaimers:
1. RateModification.com has no financial realtionship with any lender, creditor or loan servicer. 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.
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