Learn How To Write A Hardship Letter That Will Get Your Loan Modified

One of the easiest and cheapest ways to get out a possible foreclosure situation is to secure a home loan modification. As a matter of fact, with mortgage modification you can make sure that the situation does not go so far, when you find that you cannot meet your monthly mortgage payment it may be time to consider home loan modification. Once you decide to opt for mortgage modification you will need to put in a ton of paper work but the initial and one of the most important documents will be your hardship letter for home loan modification. Many people make mistakes when drafting the hardship letter and it leads to the denial of their mortgage modification request. So here are a few tips on how to get things right.
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The first thing that you need to remember when drafting a hardship letter for home loan modification is that your lender probably receives hundreds of these each week, this means that he/she will not have a lot of time to read your letter. So it is important to state all the key points as clearly, concisely and pertinently as possible.

You also need to remember that you are asking the bank for a favor, so be very polite, making complaints, whining or threatening the institution that you intend to declare bankruptcy will get you nowhere.

It is also equally important to express your flexibility and your willingness to work with the lender in your hardship letter for mortgage modification. State clearly what you are expecting in terms of home loan modification; that is do you want the loan term to be extended or are you looking for lower interest rates. But you also need to mention that you are willing to explore various options of mortgage modification. Stay away from political speeches about how the lending institutions pulled brought this situation on themselves.

The most important things to mention in your hardship letter for mortgage modification include:

Your current financial situation: You need to tell the back honestly where you are in terms of your finances and what caused the situation. Your reasons can be anything from job loss to death in the family and from divorce to a job related accident but state your reasons concisely.
An Insider's Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
The next piece of information should show the bank that you are taking steps to get out of your current situation. So it is important to mention all the things that you are doing to save money in your hardship letter for mortgage modification. This can include a part time job, reduction in household expenditure etc.

Finally prove it to the bank with as many documents as you can that your situation is real. However, you are a responsible person with a good repayment record in the past and that you intend to make the new payments after securing mortgage modification.
Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance
If you are considering mortgage modification, you should really look into 60 minute home loan modification. It is a great resource that contains a lot of important information about the process of applying for a mortgage modification. It was created by a loan modification expert who has modified numerous home loans. The kit included a professional hardship letter outline, and one on one support in case you have any questions. It is a must have for homeowners.
Article Source: http://www.everyonesarticles.com

How to Find the Best Refinancing Mortgage Rates

Mortgages and Refinancing : Get the Best Rates (Entrepreneur Pocket Guides)
Refinancing mortgage rates change often and each lending institution have different rates as well.

With so many lenders out there, how do you know who has the best refinancing mortgage rates?

Luckily we live in an age of e-commerce and this information is readily available on the Internet.

One site in particular (mortgageloan.com) compares 700+ mortgage lenders which helps you get the absolute best refinancing mortgage rates possible.

If you follow these steps when refinancing, you can rest assured that you will be getting the best refinancing mortgage rate possible!
Difficulty: Moderately EasyInstructionsThings You'll Need:
A First Mortgage
Internet Connection
An Insider's Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
Step 1
Get Informed

Like any important decision, you need to make a well rounded and educated decision. In the case of refinancing mortgage rates, it is imperative to review all options.

There are many different websites that offer comparisons of mortgage lending institutions, but there are three in particular that are really excellent.

Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance

Step 2
Research mortgageloan.com

Mortgageloan.com is one of the most highly recommended lender comparison websites on the internet. It compares 700+ refinancing mortgage rates within your state.

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Step 3
Research Bankrate.com

Bankrate.com is another excellent site that will help you broaden your knowledge on refinancing mortgage rates. They include comparisons like mortgageloan.com, but they also provide additional tips on obtaining the best rates possible.

An Insider's Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know

Step 4
Research Lendingtree.com

Lendingtree.com is probably the most known website, mostly due to its television commercials, but it too is a solid website. Lendingtree.com says, "When banks compete, you win!"

Mortgages and Refinancing : Get the Best Rates (Entrepreneur Pocket Guides)

Step 5Decide

Although researching all three websites may seem like overkill, deciphering through thousands of financial institutions is important when trying to find the best possible refinancing mortgage rate available. The good news for you, this process may take you a mere hour or two, which is much better the days it would have taken you years ago.

An Insider's Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know

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Tips & Warnings
Always do your homework when making a decision of this magnitude. These decisions should not be taken lightly!Although I'm not a certified financial advisor, I do consider myself knowledgeable on the subject. However, it is a good idea to get the advice from a professional before making any financial decisions.

http://www.ehow.com/how_5960794_refinancing-mortgage-rates.html

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