Index

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 claculate important lending ratios that must be considered.

STEP #2 Weigh your options independently

STEP #3 The software converts in to a Bank Ready Loan Modification Package. The software will 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 RateModification software allows you to track your package every step of the way.

Resource Center

Think of RateModification.com as your survival guide to navigating the loan modification and short sale process. Our software comes complete with several built in tools to help automate the pre-qualification process, communicate with the banks and effectively present your client's case.

Get Forms

This page contains a variety of useful forms to help you manage your mortgage. All forms are in Acrobat Portable Document Format or PDF for short. You will need Adobe's free Acrobat Reader to view the forms.

HAMP Overview

Do You Qualify?

HAMP Document Checklist

HAFA Document Checklist

Request for Modification and Affidavit (RMA)

Request for Modification and Affidavit (RMA) Españo

IRS Form 4506T- EZ (Request for Transcript of Tax Return) Adobe

IRS Form 4506T- EZ (Request for Transcript of Tax Return) Españo

IRS Form 4506-T (Request for Transcript of Tax Return

Borrower Authorization Release Form

Dodd-Frank Certification Form

Affidavit of Financial Hardship Form

Automatic Drafting Authorization Form

Document Copy Request Form

Escrow Authorization Form

Financial Analysis Form

Impound Account Deletion Request Form

IRS Form 4506-T (Request for Transcript of Tax Return)

Request for Address/Name Change

Request for Automatic Payment Drafting Changes

Request for Taxpayer Identification Number W-9 Form

Social Security Number Correction Form

FANNIE MAE PROGRAMS

Home Affordable Refinance Program

Home Affordable Modification Program

Fannie Mae Loan Look Up

FREDDIE MAC PROGRAMS

Freddie Mac Relief Refinance

Home Affordable Modification Program

Freddie Mac Loan Look Up

U.S. DEPT. OF HOUSING AND URBAN DEVELOPMENT

HUD Approved Housing Couselors

Find Rental Assistance

HUD Foreclosure Mediation

HOPE NOW BORROW ASSISTANCE FORM

Extensions for Individuals

If you are not able to file your federal individual income tax return by the due date, you may be able to get an automatic 6-month extension of time to file. To do so, you must file Form 4868, Application for Automatic Extension of Time To File U.S. Income Tax Return by the due date for filing your calendar year return (usually April 15) or fiscal year return.

Form 4868 - Application for Automatic Extension of Time To File U.S. Income Tax Return

Form 7004 - Application for Automatic Extension of Time To File Certain Business Income Tax, Information, and Other Returns

Form 1138 - Extension of Time for Payment of Taxes by a Corporation Expecting a Net Operating Loss Carryback