I Can't Get My Lender To Modify My Loan.....

I was wondering about that. So, you do not have to be behind in your mortgage payments to get a loan modification?

I ran into some financial trouble a while back and, well, needless to say it put me in a tight spot. I tried to have a modification done but with all the negative press I was concerned about who to choose. I found a company who seemed reputable and was charged a $2300 fee up front. After about 3 months with no results I became impatient. When I would call to check status they would have a different answer every time for why my modification wasn't done. After 4 months my lender was foreclosing and I was on the brink of losing my home. In a panic to save the home that me and my family live in I searched everywhere for an option. I tried to do a modification with the bank by myself but they were blowing me off and making me jump through hoops just to get a call back. An attorney friend of mine, who did not specialize in real estate law, said he had heard good things about a do it yourself kit offered at WWW.MyHomeSavingSolution.com. Tired, frustrated, and at wits end, I visited the site and purchased the package he recommended. I did this about 3 weeks ago and since then I followed the steps and it has worked amazingly well. I have spoken with my bank several times and we have come to a modification agreement which is being finalized this week. After all is said and done, I will have eliminated my past due balances and the bank gave me a 5.25% 30 yr fixed (as opposed to my arm which was at 12.25%) and they credited me $31,000 off my principal. I am no expert but the kit boasted a certain document that, as far as I’m concerned, was the reason for my success. once aware of the fsla document the bank contacted me within 24 hours looking to come to "an arrangement". my attorney friend explained that the fsla (full spectrum legal analysis) was a tool that has been used for years by attorneys to accomplish just that, a successful modification. Apparently there were legal infractions on my loan with the bank and that’s why they were so willing to help. Now... just for the record... yesterday, I contacted the modification company that I had hired and asked for a status (just to see what they would say). they informed me that the bank was not willing to do a modification on my loan and stated several reasons. Knowing that they were lying, I demanded to speak with the manager. After yelling at him for over an hour and explaining that I had done in less than a month what he had been supposedly trying to do for over 4 months, I threatened to call the atty generals office and I received a refund in full. Later that day, I contacted the atty general’s office and filed a complaint about that company only to find that they were already under investigation. moral of the story is... this specific kit worked wonders for me and my family. my home appears to be saved and my children will continue to have a comfortable roof safely over their heads. At the end of the day that is all I cared about. So as a father, as a man who has been in this specific bind, and as a human being that wants to be able to do something good for others I am recommending the very same product I purchased at WWW.MyHomeSavingSolution.com. If this is able to help anyone out there then I have done my good deed for the day

Mary, NY