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60-Minute Loan Modification

60-Minute Loan Modification

Lower Your Monthly Payment & Interest Rate Fast!
* Home
* About Me
* 100% Guarantee
* -Make payments with PayPal - it's fast, free and secure!

* Contact

Free loan modification Calculator (takes just 60 sec.)
Your disclosed, monthly household income: ____________________
Amount of the loan you are seeking to modify: ____________________
Monthly Payments Other debts/bills (include all): ____________________
Mortgage
Your DTI/HTI (not sure what we're using) : [Less than 35%]
Type of Loan : [Arm/NegAm...........]
Current or Pending Hardship : [Death of Spouse............]
Hardship Resolved Yet? : [No.................]
Property Type : [Owner occupied]
Age of Loan : [0-9 months]
Mortgage Type (1st, 2nd, etc) : [1st]
Payment History : [consistantly late]
Other Assets Owned (est. value) : [None.....]
Total :
Chances of Approval
Click here to get started
[BUTTON Input] (not implemented)_________

CAN LOAN
MODIFICATION SAVE
YOUR HOME?

"Discover How a Near-Broke California Man Saved all
5 of His Homes From Foreclosure Shaving a Whopping
$493K off his Total Mortgage Expenses Using a Dead
Simple Do-it-Yourself Loan Modification System."

PROVEN LOAN MODIFICATION SYSTEM: Go direct to your lender to save time
and money... NO lawyers, NO closing costs, and NO dirty loan mod firms.

My paint-by-numbers system gives you all the tools you need to bang out
a killer loan modification application in just 60 minutes, then
follow-up and negotiate with your lender to get the best possible
deal...

... I've done this 5 times on my own properties and dozens of times for
clients. PLUS, I'm the only guy that offers a 100% unconditional
guarantee for your success!

Date: July 5, 2011

Dear Homeowner,

Let me guess... your home's value is dropping by the day and your
monthly mortgage payment is downright ridiculous in this economy--am I
right?

You know that foreclosure is a terrible option, but you also know
you've got to do something or you'll spend the next 30 years broke and
struggling, throwing most of your hard-earned money into a bottomless
pit because, quite frankly, your mortgage terms stink!

NOTE: All loan types are currently being approved for modifications
including...
* Negative Amortization Loans
* Adjustable Rate Mortgages (ARMS)
* Fixed Rate Loans
* 1^st, 2^nd and even 3^rd mortgages
* Investment, vacation, and rental properties

I'm talking about saving your home here!

My name is Mike Rockwood, and in 2008, I nearly lost all 5 of my homes
to foreclosure. The bad economy combined with my bad loans made it
impossible for me to keep making my payments each month.
I'm sure you know the feeling...

When the 1^st of the month came around, I literally felt sick with
anxiety. My homes are my one and only foothold on the American
Dream--and I thought I was going to lose everything just because the
real estate market went sour.

Here's Why I'm Telling You All This...

Just before I defaulted on my loans, by chance, I was invited to
mortgage modification weekend workshop where I learned there was still
hope--a lot of hope actually!

My wake-up call: I'd heard the term "mortgage modification" before, but
I always assumed it was expensive, complicated, and difficult (like
everything else that has to do with real estate).
Boy, was I wrong!

Here's the truth: loan modifications are the fastest, cheapest, and
easiest way to fix you mortgage problems--and nearly everyone
qualifies! Let me be clear here... this is NOT a refinance, this is NOT
a short sale, foreclosure, or bankruptcy.

Take a Look My Personal Loan Mod Successes
(on my own homes)...
-
My Indy Mac Loan Modification:
Before: 6.5% fixed (not bad... but not good enough)
After: 5.125% fixed
Monthly Savings: $638 (and $199K over life of loan)
*primary residence

-
My Wells Fargo Loan Modification:
Before: 6.5% fixed
After: 4.5% fixed
Monthly Savings: $262
*2nd mortgage
-
My Litton Loan Services Loan Modification:
Before: 7.35% fixed
After: 7% fixed
Monthly Savings: $140 ($27K over life of loan)
*Rental property
-
My 2nd Litton Loan Modification:
Before: 12.5% fixed
After: 7.0% fixed
Monthly Savings: $95 ($12K total over life of loan)
*Rental property
*PLUS I reduced my principal by 20%
-
My National City Modification
Before: 9.343% fixed
After: 1.0% fixed for 18 months
Monthly Savings: $782 (49% reduction!)
*2nd mortgage on primary residence
**saving nearly $10K/year
***30-year mod in progress now

"Loan Modification Does Not Have
to Ruin Your Credit!"

You don't need a lawyer and you don't need $1000's of dollars... all
you need is to get your story straight and submit a well-organized
application to your lender requesting a reduction in payment.

Here's where I come in: you need your application done right the first
time, otherwise you risk rejection and you might even lose your
home--so don't even think about doing this without the proper tools and
support!

I've done this for myself 6 times now, and hundreds of times for my
clients, so I know with certainly that I can help you make your loan
modification application perfect--and get the absolute best possible
deal.

Why trust me? In the process of saving my own homes, I became a leading
authority on mortgage modification. Perhaps you've heard me on the
radio or read articles about me in the newspaper.

Here's what makes the 60-Minute Loan Modification so unique and why
it's created such a buzz:
* It's Fast - My last loan modification application took just 25
minutes (avg. is 60 minutes) and I secured a 1% fixed rate for 18
months.
* It's Cheap - Loan modification firms (often illegally) are charging
$3,500-5,500 for filling out some forms and calling your lender...
ridiculous! My system is more effective and keeps that cash where
it belongs--in your pocket!
Plus, you're results are 100% guaranteed so there's no risk to you
at all.
* I'm a Real Person - Most people in the mortgage modification
business are vultures preying on other people's misfortunes. In
many cases, the same mortgage brokers who sold us these crappy
loans in the first place are now trying to overcharge you and me
for "loan modification services." What a sham!
I speak with all my clients personally both in one-on-one calls as
well as 2x/week on our teleconferences. I'm a real guy with real
mortgage problems just like you--but I found a way out!
When you work with me, there is no giant corporate structure, no
hiding behind company logos or disclaimers... we offer full
disclosure to our clients and are here to support you every step of
the way

Can Banks Really Just Give Away Money?

It's hard to believe but it's true... I'll save $493K over the life of
my loans simply because I lowered my rates. Here's just a couple places
where the money is coming from:
* Dec 26, 2008: Hope Now (a lender alliance) announces its plans to
double the number of loan modifications granted in 2009 and save
2.2 million homes from foreclosure with as much as $300 billion in
government subsidies
* Oct 31, 2008: Chase announces plans to modify $110 billion in home
loans
* Oct 6, 2008: Bank of America (who took over Countrywide) announced
it'll dish out $8.4 billion in interest rate and principal
reduction for homeowners

And those are just a few BIG examples... loan modifications are being
approved right now by every single mortgage lender nationwide... so the
questions is, do you want to participate or not?

Here's the way I see it: Wall Street already got their bailout (to the
tune of $2 trillion!), and loan modifications are now bailing out
average people like you and me on Main Street - but it's not going to
last forever!

Why You MUST Do Your Loan
Modification Yourself

Most Lawyers and Loan Modification
Firms are a Scam

Don't be fooled! Before I decided to do my loan modification myself, I
almost hired a so-called "loan mod consultant..." but thank goodness, I
learned the truth first!

Here are the scary facts of loan mod firms:
* Many loan modification firms were started by subprime mortgage
brokers who were out of work.
These hucksters know very well that they've only got 6-12 months
before banks stop accepting loan modification requests, so their
goal is to get as many customers (and as much money) as they can
right now.
They'll often charge a ridiculous $3,500-4,500, and once they've
got your money, their focus is on getting more customers, not
servicing their existing ones.
* On the rare occasion when a loan modification firm is successful,
they almost always accept the first offer the bank suggests--this
is crazy! The bank's first offer is almost never their best offer,
so even if you do get your loan modified, you could still be
getting screwed long-term.
* Loan modification firms use cookie-cutter template letters and
legal speak that sends up red flags at many banks. Remember, your
lender is under tremendous pressure from the government and the
media to help individuals like you, not fast-talking lawyers or
consultants.
* In California, there are currently only 14 certified loan
modification consultants yet over 1,000 companies offering loan
modification services-do the math. Most firms are operating
illegally in California, and the same is true in every other state
as well.

Not Sure If You Qualify?

Crazy but true: more people qualify than don't for loan modifications.
As long as you can demonstrate some real financial hardship and a real
risk of defaulting on your loan, there's an excellent chance you can
knock 5 or even 6 figures off your total mortgage expense and whack a
huge chunk off your monthly payment-simply by asking the right
questions!

Basic Loan Modification Qualifications:
* Must have a real hardship
(loss of income, death in family, etc)
* Must have a debt-to-income ratio of 31-50%
(but as high as 79% are still approved)
* Must have a loan that is at least 9-12 months old
* Must have an income source that can reliably & realistically allow
you to make modified payments (if you're unemployed, you're in
trouble)

So why isn't everyone doing this?

They are! Your bank gets hundreds of loan modification applications
every single day. Normally this would be a problem, but since most
requests come from idiot lawyers and other hacks trying to cash in
others' hardships, it's incredibly easy as a homeowner applying on
their own (with my insider strategies) to stand out and get your loan
modification approved quickly...

... you just need to understand the process!

With 6 successful modifications under belt (including loans that I was
told were impossible to modify), I know exactly how this works. I even
know a simple trick that makes it illegal (yes, that's right, illegal)
for your lender to ignore your application.

How the 60-Minute Loan Modification
System Works

STEP 1: Order my 60-Minute Loan Modification Workbook below (at $87,
this is the greatest bargain you'll find anywhere)

STEP 2: Take advantage of unlimited email support if you have any
questions during the process. It usually takes about 60 minutes to
complete your application and then put it in the mail!

STEP 3: Adhere to the "follow-up" plan clearly illustrated in the
handbook to make sure your lender gives you a timely response to your
requests.

STEP 4: Wait for your lender to call with an offer!

Save Your Home Today!

Most struggling homeowners go through a huge denial--I know I did! This
is so embarrassing... I actually felt guilty for asking my bank to
modify my loan.

How crazy is that?

I figured I messed up so I was to blame. Now, I know how ridiculous
that is. Firstly, my bank is just as much to blame as me, and secondly,
it just plain doesn't matter!

This housing crisis is affecting everyone, so modifying an upside down,
crazy mortgage is not just reasonable--it's actually the responsible
thing to do.

Doing nothing, missing payments, and pulling your hair out trying to
make ends meet is downright reckless by anyone's standards!

So here's the scoop:

A year ago, most people had never even heard of loan modifications, and
now they're featured on the news almost every night! Thanks to our tax
dollars subsidizing the big banks, you and I (average people) have a
chance to get bailed out too--but it won't last forever!

"How Much Will You Save with a Modified
Mortgage... $300, $500, $800 per month?"

My 60-Minute Loan Modification Workbook
(Instant Access PDF download)

If you're like me, the last thing you want to do is read some textbook,
so I've organized my guide so that you can fly through it, reading only
the sections that pertain to your particular situation. This way, you
can crank out a killer application in the shortest possible time with
all the facts you need on reference should the need arise.

You'll Learn:
* How to get your entire loan modification application
done in 60 minutes
* How I negotiated a 3-month grace period where I didn't have
to pay anything with no penalties and all missed payments forgiven
(pg. 23)
* How to write a bullet-proof hardship letter in 10 minutes flat (pg.
73)
* Automated follow-up secretsso you don't have to waste hours on the
phone waiting for your lender to respond.
* A powerful handwritten letter trick that gets me callbacks 75% of
the time while most people get only a 10% response (pg. 57)
* Negotiating tips for people who HATE negotiating... learn exactly
what to say when your lender calls with an offer (pg. 35)
* How I modified 4 rental properties (pg. 45)

The 60-Minute Loan Modification Workbook
-Make payments with PayPal - it's fast, free and secure!
Normal Price: $179.95
July Special! Only $87.95
(all files are digital products for instant download)

My Iron-Glad, 60-Day...100% GUARANTEE 100-guarantee
If for any reason (or absolutely no reason at all) you're unhappy with
the 60-Minute Loan Modification, I absolutely insist that you send it
back at any time within 60 days for a 100% hassle-free refund that will
be processed immediately with no catch and no fine print.

But Wait... There's More!

- Amazing FREE Bonus 1 -

express My Personal Swipe File of Forms & Spreadsheets
Get instant access to my own personal, pre-programmed Excel
spreadsheets, fax forms, hardship letter forms, and templates. Includes
a quick start video tutorial to show you EXACTLY how to use each tool
to put together an stellar loan modification application in minutes.

You'll Get:
* Quick-start video leads you step-by-step showing you EXACTLY how to
complete each form perfectly--and FAST!
* Fastest possible application process so you can get this done and
knock your payment down quickly without hassle
* Contact info for every major U.S. lender
* Microsoft Word, Excel, and .txt files for hardship letters, expense
sheets, and application forms
* PC & Mac compatible
* ZERO computer skills required (I'm a totally computer dunce... so
don't worry!)
* Bonus AUDIO version of the my workbook included so you can
listen in your car or on your iPod

- Amazing FREE Bonus 2 -

email coaching 60-Day Email Coaching (Retail: $187 Yours FREE!)
My email coaching program allows you to contact me and my team directly
to get advice on anything and everything that might come up during your
loan modification process. My goal is to make your loan modification as
easy and effective as possible, so my team and I bend over backwards to
help you as needed.
Note: average response time to emails is 6-12 hours.

- Amazing FREE Bonus 3 -

homeowner negotation Real Lender-Homeowner Negotiation Recordings
(Downloadable MP3 audio file)
The is one of my most-sought tools because it allows you to listen in
on real conversations with lenders and borrowers so you can hear
exactly what you should and should not say to ensure you end up with a
sweet deal. Remember, the first offer your bank makes is never the best
offer, so this disk alone can save you thousands.

Includes:
* Real phone conversations with lenders, and borrows including
Wells Fargo, IndyMac, Litton, and more!
* "Model" calls for fast responses
* Simple Tricks to beat the bank
* Bonus audio book version of my 60-Minute Loan Modification

- Amazing FREE Bonus 4 -

Credit Card Cure: "How to Modify Your Credit Card Debts!"(PDF
download - Value $24.95 Yours FREE!)
My business partner, Ryan, decided to renegotiate his credit debt. It
seemed like an absurd idea, but when he knocked his balanced from
$25,000 to just $5,000 in just 4 months--it got my attention! Now,
we've had HUGE success teaching others how to do the same.

You'll Learn:
* How to legally & ethically make credit card debt disappear
* Word-for-word what to tell the credit card companies
* Why bankruptcy is the last option (and usually avoidable)
* Why your credit score can easily be repaired
* Why you should run (not walk) from debt counselors

The 60-Minute Loan Modification Workbook
-Make payments with PayPal - it's fast, free and secure!
Normal Price: $179.95
July Special! Only $87.95
(all files are digital products for instant download)

Why Listen to Me?

Aside from being a homeowner, I've been a real estate professional and
distressed property consultant in Southern California for the past 4
years dealing primarily with short sales and pre-foreclosures until
2008 when loan modifications changed all the rules and became THE
SWEATEST deal for anyone (like me) who got in over their head before
the marked tanked.

I'm a homeowner, a real estate agent, a short sale expert, and now one
of the leading authorities on do-it-yourself loan modification with a
track record and client list that grows daily. Most importantly, I'm a
hardworking honest guy who figured out a fast and cheap way to fix my
screwed up mortgages--and I can show you how to do the same.

Do Not Hesitate--Modify Today!

The government subsidies will dry up. The real estate market will
rebound, and within 6-12 months, loan modifications will be ancient
history... so act fast, my friend!

In these tough economic times, there are just two types of people:

First, there are those that take action, seize opportunity, and
strategically position themselves for future success even when today,
things might look a bit grim. The second type are those that complain,
play the blame game, and cry "victim" every time they hit a speed bump.

I'll admit, I used to be in the second group, the whiners, but since
I've wised up, 2009 is now slated to be one of my best years ever.

Follow my system. Modify your loan. Slash your monthly payments and
"fix" your screwed up mortgage... start right now by ordering my
60-Minute Loan Modification Workbook.

To your success,

Mike Rockwood
Loan Modification Expert Author

p.s. My only regret is that I spent about 6 months getting ready to
modify my first loan... trying to figure out if it was the best
solution... trying to figure out how to do it.

I was stupid. My hesitation cost me upwards of $10,000 in payments I
could have avoided simply by modifying sooner. Learn from my mistakes,
leverage my turn-key resources, and take action now.
p.p.s. Btw, this is 100% RISK FREE because of my iron-glad, 60-day,
100% guarantee. I risk everything, you risk nothing. I'm absolutely
certain I can help you, but you've got to take the first step. See you
on the inside!
-Make payments with PayPal - it's fast, free and secure!

My Iron-Glad, 60-Day...100% GUARANTEE 100-guarantee
If for any reason (or absolutely no reason at all) you're unhappy with
the 60-Minute Loan Modification, I absolutely insist that you send it
back at any time within 60 days for a 100% hassle-free refund that will
be processed immediately with no catch and no fine print.
*

youtube/embed/Z18LnPJrcqU?rel=0

* Got Questions About Loan Modification?
Then listen in on a live teleconference I held with my
clients where I shared my secrets to loan modification success.
LISTEN RIGHT NOW!
(or download MP3)

Person Information
First Name *
_______________
Email *
_______________
Submit
PRIVACY: Your email address is kept 100% private and secure.
WHAT YOU'LL LEARN
1. Why you MUST do your own loan modification application
2. How to complete your entire loan modification package in 60
minutes or less
3. Why debt-to-income (DTI) ratio is dead
4. How to get loan mods approved on 2nd mortgages and even
investment properties
5. One powerful trick that forces lenders to give your application
priority treatment
6. Why repeatedly calling your lender over and over is a total
waste of time
7. Why you should never accept the first loan modification offer
your bank gives you.
*

RAVE REVIEWS: For Mike Rockwood
"I recommend you to all my own clients (attorney)! You produce results
- period. You've always got my business."
- Albert Chaney
(Rolling Hills Estates, CA)
"Tell anyone to call me if they want to hear about my trust in your
services."
- Cindy Calvillo
(Redondo Beach, CA)
"We recommend the Rockwoods to all our relatives and friends. They
earned our trust through some very difficult negotiation on the sale
and then on the purchase."
- Heidi & Greg Stager
(Rolling Hills, CA)
"Tell prospective clients to call me - I'll tell them about the
Rockwoods. I cannot say enough good about all three of our deals
through you!"
- Greer & Bill Beahm
(Rolling Hills Estates, CA)
"We can always count on them to go the extra mile and not leave issues
unsettled. They're great to work with."
- Mike & Roselle Paskus
(Rancho Palos Verdes, CA)

Copyright � 2009 60-Minute Loan Modification

Privacy Policy � Affiliate Program
60-Minute Loan Modification

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