loan modification calculator

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STOP YOUR FORECLOSURE: The current mortgage crises have shaken the entire financial system from its foundation. The Obama government had to intervene before this crisis devoured the whole system. So in February 2009 the Obama government proposed home loan modification plan in the stimulus package to bail out the 9 million homeowners caught in the crisis of failure to pay off their home loan mortgage.

MODIFY YOUR MORTGAGE TODAY!

In this economy millions of people are facing financial hardship due to unemployment, heightened costs of living , and unrealistic monthly mortgage payments. Making Home Affordable program was developed by Obama administration to help ease economic burdens. The goal of this plan is to assist millions of home owners who may be eligible to do a loan modification. Homeowners who want to "TAKE ADVANTAGE OF THIS PROGRAM," get qualified and approved should begin the process immediately.

FIRST: Homeowners need to prove that they are facing financial hardship or will be facing hardship in the near future which might cause them to miss their mortgage payment.

SECOND: It is critical that they meet a debt ratio of 31% of their income. Billions of dollars have been allocated to help homeowners facing financial hardship to get your mortgage payment reduced. Keep in mind whether you're qualified or not, the loan modification approval process can take some time so do not stop making your payments.

THE PROGRAM CAN BE DIVIDED INTO 2 PARTS:

PART I: Homeowners who are facing foreclosures due to delinquency in their mortgage payment and may default on paying the home loan the government will give the banks financial incentives to "modify" or alter the existing mortgage by either resetting the interest rate, payment deferment for a particular period of time or readjustment of principal amount.

Part II: Under this program the homeowners who are paying the mortgage payment but cannot refinance because their home equity has come down, government will provide incentive to the lenders to help the homeowners refinance so that they can pay lower monthly payments.

Both the programs have their own set of caveats for homeowners to qualify. The plan is in effect till 2012 and can be availed only once. To qualify under Obama's home loan modification plan, besides having an income enough to cover the modified mortgage payment after covering your household expenses, homeowners must meet following criterion:

You must have secured your loan before Jan 1, 2009.
Your primary mortgage should be less than $729,500
You must be living on that property. The plan is not for home owners who have purchased the property only for investment purposes and are not living on it.
Your income along with the tax returns and pay stubs should be fully documented in the application submitted to the lender. However each lender might have their specific requirements that you must adhere to.
You must furnish a financial hardship document to the lender before your secure a loan modification.
Must attend HUD certified counseling if your total household debt exceeds the income by 55%

As a homeowner you meet all the above qualification then the lender would assess based on your application, your reduced monthly payment could be about 31% of your gross monthly income and the interest rate could be as low as 2%.

There is help available to homeowners who know how to get the package prepared correctly. Have you thought why some people get denied for home loan modification while others are qualified and approved? The secret to get qualified and approved for Making Home Affordable loan modification program is to know the lenders qualifications and guidelines for approval before you submit your application.

AGAIN AS STATED ABOVE: As a homeowner you meet all the above qualification then the lender would assess based on your application, your reduced monthly payment could be about 31% of your gross monthly income and the interest rate could be as low as 2%.

OK LET GET STARTED!

Below you will find a loan modification approval calculator;

YOU WILL NEVER GET APPROVED FOR A LOAN MODIFICATION

Telling The Bank;

"YOU HAVE NO JOB OR ANY MONEY!"

DO NOT TELL YOUR LENDER YOU HAVE NO INCOME YOU ARE UNEMPLOYED, YOU HAVE NO MONEY, NO INCOME OR NO JOB!

THEY WILL DENY YOUR LOAN MODIFICATION!

GETTING APPROVED FOR A LOAN MODIFICATION IS SIMPLE NUMBERS!!

IF YOU WANT TO REMAIN IN YOUR HOME; YOU MUST TELL THEM "WHAT THEY WANT TO HEAR."

LETS GET STARTED

Below you will find a Loan Modification Approval Calculator;

PLAY THE LOAN MODIFICATION CALCULATOR!

MAKE SURE YOU ADJUST YOUR DEBT TO INCOME LEVELS TO THE MAGIC 31% OF YOUR INCOME RATIO

AFTER YOU FINISH "PLAYING WITH THE NUMBERS," YOU WILL KNOW WHAT INCOME AND DEBT LEVELS YOU NEED TO TELL THE BANK!

YOU MUST TELL THEM YOU CAN AFFORD YOUR HOME!

"THE GAME" IS TELLING YOUR BANK YOUR INCOME AND DEBT ARE WITHIN BALENCE!

THE MAGIC IS HAVING ALL YOUR EXPENSES PAID (INCLUDING YOUR PROPOSED OR ACTUAL MORTGAGE PAYMENT) FALL BETWEEN 31% NO MORE THAN 50% DTI LEVEL!

FOR MORE INFORMATION FOLLOW THE LINK BELOW!

NOW YOU KNOW THE NUMBERS YOU MUST TELL YOUR BANK TO GET APPROVED!

CLICK HERE TO CONTINUE
YOUR CAN DO THIS FROM HOME GET STARTED NOW!

MAKE YOUR PURCHASE NOW

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Loan Modification Calculator - www.STANSEN.com

Secured Debt Loan Information

	$		-1 Outstanding Loan Amount
			-2 Interest Rate
			-3 TERM (30 Years=360 Months)

	$		-4 Monthly


			-5 Number of Payments Remaining

	$		-6 Current Balance (Payoff)

Debt to Income Calculator (DTI) - MONTHLY NUMBERS
	$		-7 Gross Income (Your Total Income) (monthly)
	$		-8 Monthly Expenses + junior loan/s, cars, credit cards, etc on property
	$		-9 Monthly House Payment ( Principal + Interest )
	$		-10Estimated Property Taxes + Insurance + HOA

			D T I _Less than ~55% (varies by lender/loan type) D T I _Simply explained HERE

		Do you qualify? Call -

Materials available on and throughout this website are prepared as a public resource by LegalCPN, A Consumer Advocacy Group for informational + educational purposes only. The information provided is not intended to be, nor should it be, considered legal or tax advice.

In the case of foreclosure proceedings, online readers are advised to consult a tax specialist or your personal certified public accountant to discuss the tax implications of whatever option is pursued whether it is a short sale, deed in lieu of foreclosure, or actual foreclosure. Depending on which choice is pursued, a borrower could experience both recognition of ordinary income from the cancellation of debt and capital gains. Please check with your tax specialist.