Get the same Worksheets, Forms, 
Letters, Phone Scripts and
Step-by-Step Process Loan Mod Companies and Attorneys Use.
4 Easy Steps to Modify Your Loan
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Receive Instantly via E-mail
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Read - Easy to Understand Information
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Fill out the included letters and forms
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Send To Your Lender
What You Get
What You Will Receive Immediately Upon
Ordering
The Emergency Foreclosure Relief Kit
- Why You Can Do It Yourself And Save Thousands — in most cases better than a loan modification company or law firm
- Why Lenders Want To Work With You — lenders do not want to own your home
- How To Avoid Scammers And Con Artists — how to see the "Red Flags" before you sign a bad deal
- Understanding Loan Modification — what does it mean, why does it work
- Different Loan Modification Programs - programs explained, which is best for you
- How To Look At Your Opportunities Objectively — how to do a reality check
- How To Fill Out Forms — easy to understand forms included, with full explanation
- Preparing The Hardship Letter — how to write this very important, but simple letter with examples
- Preparing Financial Documentation — step by step instructions with easy to fill forms
- Who Do You Contact - who to call, what to say, how to document your conversations
- How To follow Up — how to prepare and send the lender package, and then follow through effectively
- How To Make The Best Case - explain your situation and negotiate the best loan modification
- How To Overcome The Obstacles — find alternatives if you get stonewalled
- Terms You Need to Know
- Real Estate Abbreviations
- Lender Contact List
- All Forms and Contact Sheets
- Document Check Lists
Created by our team of industry insiders
- Experienced attorneys
- Mortgage experts
- Lending executives
Industry experts agree the EFR Kit is the
absolute best way to modify your loan
"The applicants that use this loan modification product are better prepared. They now have the knowledge to move through their lender’s loan modification system and achieve an approval on their new loan"
Glenn Peterson
Former Vice President, Bank of America
"It is important for anyone who needs assistance to get the Emergency Foreclosure Relief Kit right away. The Kit contains the essential tools to avoid Foreclosure by modifying your loan. Use it!"
Anthony Sperling
President —American Association of Mortgage Businesses
"I can’t begin to count how many members of our congregation the Emergency Kit has helped. The best part is, they got to keep their homes without spending a lot of money."
Pastor Eugene Washington
United Church of Christ
Listen to what our customers say about the Emergency Foreclosure Relief Kit!
"For the first time in a long time, I don’t feel like I am going nuts. I thought my family was going to be put on the street. We did not know what to do when the bank said they were going to foreclose the house. Some people called and wanted to charge us $3,000 to help us. I didn’t have the money. I found the Relief Kit. It made sense to me. I followed the information and now my bank is working with me to modify my loan. I know my family is going to be ok. Thank you."
M. Rodriguez... Chicago, IL
"Our family was 7 payments behind and we had just about given up on figuring out how to stay in our house. By a lucky miracle, I found your site and got the Emergency Kit. I was able to contact the right people at my mortgage department and get my loan modified to less interest. Then, they put the payments back into the loan so I could pay it over many years. This really worked for me."
T.C. Hewlitt...
Denver, CO
"I was about $18,000 back in payments and I was just about to hire a company when I got your information. Boy, was that smart. I finally understand what people are talking about. The people at the company didn’t even know some of the stuff you taught to me. I am going to give this a try by myself. No matter what, now I know what to ask and what to do. Thanks for the good help."
C. Washington... Baltimore, DE
"My husband died and we were really having a hard time. Then my job cut me back because of this economy. My sister showed me your website and I took a chance and got your information. I did take some time for me to get it done but it worked, big time. The company lowered my mortgage from 9.5 adjusted to 5.85 fixed mortgage. Now me and the kids will be able to keep our home. I can’t tell you how much that means to us."
K. Rafiki... Beaumont, TX
Frequently Asked Questions
I hear terms like Loan Modification, Loss Mitigation, and Loan Work Out.
What does it mean?
What it means for you is — For years the government has been encouraging and even demanding that lenders offer opportunities for homeowners to change the terms and conditions of their loans so they can afford payments. Now that home prices are falling and banks are failing, lenders have much less reason to foreclose and more reason to work with you to modify your loan.
What will the lender do for me?
Depending on your individual situation, the lender may reduce your interest rate. They may reduce your monthly payments. They may take the amount you owe and put it back into the loan. They may change your adjustable loan to a fixed loan. They may increase the term of your loan and in some cases they may even reduce your principal balance. But one thing is for sure, your lender will not do anything unless you make the first move and get the process started.
Is this like a refinance, do I need a broker or an appraisal?
No, this is not a new loan. It is very unlikely you will qualify for a new loan, if you are in a situation that brought you to our site. This process is renegotiating your existing agreement with your current lender. You don’t need to employ a broker. You do not need an appraisal.
Is this the same as credit card debt consolidation?
No, it is completely different ? Credit card debt is unsecured. There is no mortgage or trust deed behind it. It is a different process with very different outcomes. In most cases, your home is not at risk with credit card debt.
Will the Lenders really work with me?
Yes they will, almost every class of lender is being told by their owners and managers to negotiate with borrowers. It is worth repeating, now that home prices are falling and banks are failing, lenders have much less reason to foreclose and more reason to work with you. Any lender that fails to engage in Loss Mitigation when they write a loan under US Department of Housing and Urban Development (HUD) guidelines is subject to severe government penalties.
Can I make this work?
Yes you can. You need the information in the Emergency Relief Kit, the desire to help yourself, and the willingness to take advantage of programs that the lender has available for you.
When should I get started?
Right now…If you are behind on your payments…If you anticipate you will you may fall behind or you think your payments are too high for you to handle…Get the kit, read the material and contact your lender. Get in front of this situation…Don’t let it get in front of you!
You Will Learn:
- Why lenders must work with you
- Who to call
- What to say — What not to say
- What forms to use (every type of form included)
- How to negotiate the best deal for yourself
With This Program You Can
Save Your Home Even If:
- You Have Missed Mortgage Payments and Owe Money
- You Received Any Type Of Notice From Your Lender
- Your Home Has Lost It’s Value
- You Had No Success By Yourself Or Using A Company
Copyright ©2012 US National Housing Authority