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http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. Mike: That was then, this is now, this is a very dynamic environment and you really have to keep up to date and work with current information. So what I'd like to turn to now in light of having thought about that for the month and thought what advice I would like to give all of you guys in terms of communicating for loan modification success, let me take a minute and really outline two areas. The first one is understanding the lender, and I call the lender your adversary. Because in this sense they really are. Yeah, you invested together and yeah, you were partners and all this stuff. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. Ryan: You should say that you're a real estate professional too. We sell homes, so it's sort of, we help people get loans, we help people get into homes. Mike: Well, you know, Ryan, the point there is that I'm thoroughly familiar with all the terms and you know with talking to banks and all that and I look back on it and I see all the mistakes that I make. Ryan: It's still hard. Mike: Yeah, it's still very, very hard. So it's become very easy to me and very routine but I realize for the first time you go through this, and for many people the only time they go through it, it can be kind of intimidating. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. Mike: Hi, everybody. Hey, Ryan, I just wanted to comment, before we get started that I'm really pleased with our email response rates and I'm disgusted with our phone response rates and we haven't got a fix for our phone response rates yet so I really encourage everybody to continue to email us with questions. Ryan: Here's the thing. A lot of people call us and say well, I'm concerned I don't qualify for a loan mod. And I mean, we understand that but the bottom line is if you come to us we will qualify you for a loan mod. That's just the stance we take. Now, if you don't want to do a loan mod that's your business. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above. Mike: Yeah, but even the ones that are 30 and 40 year fixed, they still don't reduce that principal so you still have this glaring problem. You know, that someday you're going to want to move from this house and you can't. You can't sell it. Ryan: Yeah. Mike: So, it puts off-- Ryan: So it's a band aid in that regard. We think there's going to be more and more programs out there in the coming years to address principal reductions because we believe it's a matter of facts that you know, $200,000, $300,000 is evaporated from everyone's home. And we're going to have to address it across the board. Not anymore one on one type thing. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. Ryan: Okay. Let's take another question. Alright, who else is out there? CALLER: Hi. My name is Star and I have a little bit of a twist, I'm not sure which way to go on my property. Sadly my husband passed away just before Christmas. He was severely disabled veteran so I was his caregiver around the clock. I left a salaried position and just to take care of him and when he passed away all of my income did too. Now I have found a job but I'm not sure. I know that I have to have some proof of income before they'll do any kind of loan modification. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. Mike: Start with the first mortgage on the property that you live in. And honestly you'll find that the rest of the modifications are a piece of cake because you'll have already got everything prepared. You know what the hot buttons are. You move from one, they're just getting incredibly easy. So make your first one the one that the lender is most compensated to help you with and that is the first mortgage on your primary residence. And boy, if it's a NEGAM, you're at the center of the bullseye. You're going to get a great modification. Ryan: Now the problem there is her monthly payment is going to go up. Mike: It could. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more.[Below is an excerpt from a live loan modification teleconference] Ryan: I mean, and so are we, and so were we. We were just at our wit's end and you know we're your average Americans. I don't know average income is probably $150 each and we own small businesses so cut that in half. Cut that in half for expenses. And we're talking, you know, $60 grand take home or something like that. Anyway, the bottom line is we talk to people all the time that are just going through awesome contortions to continue making their payments. I mean, they're doing craziness, borrowing from family, friends. Mike: Using credit cards to buy groceries. "I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Mike: Ryan, the big event coming down the pike is Wednesday's big announcement from the White House. Ryan: Right, right. But not just that, in every single newspaper you'll see. Every foreclosure article, every economic forecast, you're seeing loan modification being used, whereas before it was looked at as some kind of hypothetical possibility to help homeowners. But it seems to be turning into reality here for thousands of homeowners. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more.[Below is an excerpt from a live loan modification teleconference] Ryan: This is the Clear Credit Group Mastermind Call. Welcome to our monthly teleconference. We're here to beat the bank, protect our assets, and clean up our credit for life. Thank you so much for joining us today. I hope you have a pen handy. Monday the 16th we're offering a very special, free of charge, call-in day. And here's how it's going to work. From 12:00 to 4:00 p.m. on Monday the 16th you can call Mike personally and ask any questions you like about loan modifications, short sales, foreclosures, anything else you need help with. FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Mike: That was then, this is now, this is a very dynamic environment and you really have to keep up to date and work with current information. The first one is understanding the lender, and I call the lender your adversary. Because in this sense they really are. Yeah, you invested together and yeah, you were partners and all this stuff. But in the negotiations for a modification to your agreement, they are your adversary. Ryan: Well, in the original thing you're partners. Now, you're diverging. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more.[Below is an excerpt from a live loan modification teleconference] Ryan: Starting next week we'll have teleconferences every Tuesday and Thursday night. That's two calls per week every night. These calls will be 45 to 50 minutes long. And at least half of each call will be dedicated to questions and answers from you. And so for those people we have a full service thing. It's called elite express. Okay. So please listen carefully. We started serving just southern California but now we have full service elite express clients all over the U.S. so we're completely restructuring our offerings to better service everyone faster. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Mike: I won't belabor it because I know many of you have heard it or you got the 60 Minute Loan Modification Secrets CD but let me just quickly run through my experience and I hope it's helpful to you and encouraging to you. Last summer my, working as a realtor, my income took a pretty significant dip and I had at that time owned five rental properties as well as my own home here in Torrance, California. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: A lot of times what happens, yeah, is that some event kind of creeps up. They might have even had the expense but then now it's maybe doubled or tripled and so they don't think, they're income hasn't gone down. Mike: Yeah. So you have to prepare by understanding your hardship and then most importantly prepare your budget. That's the most important financial information to have before you call and then lastly I always recommend that you remove funds on deposit with any bank that you're negotiating with. So preparation is important. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: How to talk to your lender in 20 minutes. We want to know what questions you have about talking to your lender. Basically it's specifics. They said this, I was told this, I was told this, I said that. And feel free. Just let her rip. Hopefully some brave souls will speak up here on the line and we'll try hard to answer your questions in full. The email address is help@60minuteloanmodification.com. CALLER: I have a question. I have a first and a second mortgage through one company, Fifth Third Mortgage. And they've offered me a modification on the second. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: Also, the question about people subsidizing your mortgage. That also applies to others too. Ryan: Okay, new question. Doug, do you need to call and speak to your lender about a loan modification or can you just send all the paperwork by mail? Mike: Oh, good question. Ryan: A couple things. One, the only people you only really have to talk to are extremely low level minions and then eventually - Ryan: Yes. And then you have to eventually talk to the negotiator but is there a way you could just correspond by -- “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: Right, so that's the big thing and every week we have new developments and everything because not only are we working on client's, we're working on our own. Mike: As part of the package. Ryan: Yeah, we're not going to quite recommend that yet for people who are doing the loan modification kit. So anyway, we'll always be bringing you tips and insider secrets. Mike: So Chapter Two in the book is about finding out if you qualify in two minutes flat. It always was very easy to figure out if you could qualify for a loan modification. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live teleconference] Ryan: A lot of people say I can't do a loan modification, I don't want to improve my life because it would mean that my credit score, my image of myself, would be diminished. I want to remind all our callers that we provided several free resources for you this call. One is a budget document and that’s at 60minuteloanmodification.com/budget.pdf. Also, we've got a fantastic, fantastic report on the foreclosure timeline available. That's at www.60minuteloanmodification.com/foreclosure.pdf. Register and have direct access to Mike himself throughout the week. He checks and updates that. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: Okay, Bank of America, Wells Fargo, Citigroup, IndyMac and Fannie and Freddy. What do you think our listeners on the call, obviously all of us have mortgages. Mine was Wells Fargo. These are some of the biggest banks in the world. So is it good news? What if you're only on day one or day thirty? Mike: Notice of Trustee Sale. Ryan: Okay, so we're looking to Phoenix this Wednesday, big news, big announcement from President Obama. We have high hopes for that, although it's important not to get our hopes up too high. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/

http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an teleconference excerpt.] Ryan: The short answer is he would have no problem getting a loan modification potentially. Right? Your loan probably doesn't technically allow you to do a "subject to". They would probably call it all in. However, who in their right mind from a bank would call it in? Ryan: And then we'll post our update on the next call. Gino, can you shoot us an email at Ryan or mike@60minuteloanmodificaiton.com? CALLER: I will. I'll give you some basic information and you let me know if you want anymore. Ryan: Okay, that will be great. I hope we can help you. Thanks a lot, Gino. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/