REMOVE OUR DEBTS TODAY
New Release
The Step-By-Step Guide to
Mortgage Modifications
For the first time in one place, this book outlines the footprint along with a step-by-step procedure to fully understand the Mortgage Modification process.
Nervous to rely on just the guidebook? We also provide a thorough guide course to ensure you achieve the most success out of this process.
Package deal!
All-Inclusive Mortgage Modification Application Service
Don’t want to apply for a mortgage modification by yourself? Let Remove Our Debts complete your entire mortgage modification application for you PLUS receive a free copy of The Step-By-Step Guide to Mortgage Modifications (and $89 savings).
Package deal!
EligibilityEase: Making it Easy to Check your Financial Eligibility for Mortgage Modifcations
Unsure if your finances qualify you for a mortgage modification? Or are you not ready to purchase the All-Inclusive Mortgage Modification Application Service?
Simply send documents pertaining to your monthly income and expenses (requested by Remove Our Debts), and we will provide you with a percentage of eligibility for success in the financial aspect of your mortgage modification application.
FAQs about Mortgage Modifications
Remove Our Debts does not give legal advice nor is any of the products offered by Remove Our Debts associated with a law firm. Remove Our Debts provides guidance to homeowners to assist them in filling out their mortgage modification application. Remove Our Debts will never converse with lenders, banks or mortgage modification servicing companies. Remove Our Debts will only be in contact with the homeowner who purchases Remove Our Debts mortgage modification products.
A mortgage modification application is submitted to a bank/lender when a borrower wants to lower his mortgage payment mainly due to necessity. Anyone who can afford his mortgage payment should not submit a mortgage modification application. If a mortgage modification application is successful, then the bank may reduce the borrower’s monthly mortgage payment amount and/or interest rate, and possibly put the past due payments on the back end of the mortgage.
In most cases, a mortgage modification will risk foreclosure if you fall three or more months behind on your mortgage payment. If you are on time (which greatly reduces any chance for a successful mortgage modification) or one or two months behind on your monthly mortgage payment, then you will not run the risk of foreclosure. HOWEVER, If you are three or more months late on your monthly mortgage payment you then run the risk of foreclosure. If you fall three or more months behind on your mortgage you should immediately contact a law firm in your area to protect your home. REMEMBER submitting your mortgage modification application WILL NOT stop foreclosure if your bank has started the foreclosure or if you fall more than three months behind on your mortgage.
Your finances are the key component in determining whether a bank will approve your mortgage modification application. If your finances prove you can afford your monthly mortgage payments, then the bank will probably deny the application. However, if your finances prove you need assistance in keeping up with your monthly mortgage payments then you are a good candidate for mortgage modification approval.
Lenders will tell you that you do not have to be late on your mortgage to be approved for a Mortgage Modification. However, in reality, we have witnessed only a handful of approvals for on-time borrowers. As the book explains in detail, you can fall behind on your mortgage payments without the risk of foreclosure and this will greatly increase your chances for an approved application.
Almost every successful application results in your past-due mortgage payments on the back end of your loan. In other words, you are not responsible for coming up with the past due amounts at the time of your approval. The lender rolls the past-due amounts into the mortgage balance.
NOOOOOOOOOOOO! The bank will tell you it will put your foreclosure on hold and in some states once you are in foreclosure court it will pause your foreclosure. However, you cannot trust this is the case and if you are not yet in foreclosure the bank still has the right to proceed while you are applying for your mortgage modification. Our book stresses the importance of communication with your lender and the “how to” to ensure you are successfully tracking your foreclosure process.
The only way to avoid foreclosure while your application is pending is to not fall more than two months behind on your monthly mortgage payment. Once you are 90 days late (three monthly payments) the lender has a right to commence foreclosure.
If you fall more than two months behind on your mortgage payments, you should immediately contact a law firm in your area as a mortgage modification application does not stop the foreclosure process (even though the bank may tell you different).
The book is an extensive detailed guide to a successful mortgage modification application. Though every application is unique, this book covers nearly every scenario that the lenders have been presented with when reviewing mortgage modification applications. One can be almost guaranteed your scenario is covered. The book and other Remove Our Debt products does not give legal advice, nor does Remove Our Debt ever speak with your lender, bank, or mortgage servicing company.
Having Remove Our Debts fill out your financials greatly increases your success rate. We specialize in ratios the lenders use in approving mortgage modification. So, if you are close to qualifying, in regard to your financial ratios, then Remove Our Debts can offer guidance to better your financial ratios in order to increase your chances of a successful mortgage modification.
The book provides every step necessary from the beginning to the end of the mortgage modification application process. The book also provides great detail as to keeping the pressure on the bank once your application is submitted. Many people complain they submit their application only to be denied because the lender claims they did not update their documents on time. These borrowers are forced to start all over falling further and further behind on their mortgage payments which increases their chances of losing their home to foreclosure. Our book will guide you through each step of the process and also guide you on how to always know if your application needs any updated information in order to guarantee a decision from the lender. REMEMBER it will be your sole responsibility to keep in contact with your lender as Remove Our Debts will never contact your lender, bank, or mortgage servicing company.
A Word From The Author
For the first time in one place, this book outlines the footprint along with a step-by-step procedure to fully understand the Mortgage Modification process.
Joseph Romanello is a practicing attorney; however this book is NOT a legal document, nor does it have any association or affiliation with Mr. Romanello’s law firm. Mr. Romanello has allowed Remove Our Debts to advertise his book along with Remove Our Debts application process to allow homeowners to make an educated choice in regard to their mortgage modification level of assistance.
One of Mr. Romanello’s law firm practice areas is Mortgage Modifications and foreclosure defense. Mr. Romanello has secured hundreds and hundreds of Mortgage Modification application approvals since the onset of the 2007 mortgage crisis.
Mr. Romanello has spent thousands of hours filing Mortgage Modification applications, negotiating with bank representatives and successfully fighting for and receiving hundreds of Mortgage Modification approvals. He has dealt with a wide array of banks, lenders and mortgage servicing companies and has fought on the front lines in the foreclosure court for the past 16 years. Mr. Romanello is aware of every tactic, financial ratio and reason for denial used by many banks, lenders and mortgage servicing companies.
Mr. Romanello has authored this book, not as a legal document but more as a simple guide to both educate homeowners on the process of filling out the mortgage modification application and also educate homeowners through the common mistakes in which lenders deny mortgage modification applications.
Joseph Romanello
What Readers Are Saying
Sed ut perspiciatis unde omnis iste natus error sit voluptatem accu santium doloremque lauda ntium.
Justo vestibulum risus imperdiet conse ctetur conse ctetur pretium urna augue etiam risus acc um san volutpat urna, eusem per enim, est aliquam laoet urna fringilla viverra.
Mike Sendler
Review on Book 1
Justo vestibulum risus imperdiet conse ctetur conse ctetur pretium urna augue etiam risus acc um san volutpat urna, eusem per enim, est aliquam laoet urna fringilla viverra.
Charmaine Tobey
Review on Book 1
Justo vestibulum risus imperdiet conse ctetur conse ctetur pretium urna augue etiam risus acc um san volutpat urna, eusem per enim, est aliquam laoet urna fringilla viverra.
Delmar Byers
Review on Book 1
Justo vestibulum risus imperdiet conse ctetur conse ctetur pretium urna augue etiam risus acc um san volutpat urna, eusem per enim, est aliquam laoet urna fringilla viverra.
Shanna Margolis
Review on Book 1