This program is designed to walk you through the loan modification process in the comfort of your own home. When you register for the training program we will send you a login and password to view all of the training material.

 

I will share with you the secrets to getting loan modifications done the right way. The information in this training program was derived from seminar training and studio time to bring you the best of both worlds.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

I would like to thank you for taking the time to review this material on loan modifications.

I created the UMMAA to share information on loan modifications with people all over the country. My goal is to help 1,000,000 people over the next 18 months save there homes.

 

I have personally trained over 20,000 people on the loan modification process to great success. These people send me feed back everyday on what the lenders are doing right now so I can share that information with you. This information is invaluable because the lenders change their programs every week (it seems) and you need the most up-to-date information in order to get the best loan modification results.

 

I am offering this online loan modification training course at a drastically reduced price because I want to get it off the ground by having 500 people enrolled by the end of August.

The regular price of my 4 hour training is $299.00 but for the first 50 people that register the price is only $97.00

 

 

 

 

 

 

 

 

• What exactly a loan modification is…

 

• Why it makes sense to do a loan modification…

 

• Why are lenders becoming more practical…

 

• Why the incentives are high for the lenders…

 

• Why refinancing is very difficult…

 

• Why we want to keep families in their homes…

 

• How do foreclosures affect crime, values, taxes service and etc…

 

• Why our clients have such high emotional trauma…

 

• Why a loan modification is our clients last chance at saving their home…

 

• By understanding the above you will be able to get loan modifications done much easier and faster thus allowing you to help more people and make more money!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

People turned down for a refinance…These people need you to save their home.

 

2,000,000- 5,000,000 foreclosures estimated in the next 2 years…The problem is only getting bigger and you will not have a shortage of business.

 

Estimated 15,000,000 homes have negative equity and need your help... These people will walk away from their homes thus reducing the values of the homes around them. This will hurt the housing market even more.

 

Estimated 46,000,000 homeowners value has dropped more than 10%...These people need your help to stabilize the market values.

 

9.2% of homeowners are having troubles making their payments…These people need your help saving their home and will pay you to lower their payments.

 

How to become the area expert…When people see you as the expert they will call you for help.

 

Why make personal contact with all of your previous clients…When you call your clients they will send you referrals which are much easier to close.

 

How to get a response rate of 6% writing cards for 30 minutes a day…In less than 30 minutes a day you can get 3 inbound calls begging for your business.

 

How to produce an email campaign that gets results…Stay in touch with your clients via email to save you a ton of time thus allowing you to handle more deals and make more money.

 

How to write a simple ad for the local newspaper to drive business…So you can get more clients for less money.

 

How to get interviewed by the local paper, radio and TV stations to make you the local expert…It makes you the local expert and drives people to call you for help.

 

How to make it a part of your life…Business is all around you. Tell everyone you meet about the loan modifications and get business. I got a deal from a bell cap at a hotel at my last event.

 

Where to find a wholesale processing company to handle the paperwork of your files…Use a wholesale processing company so you can handle 5 times as many deals thus saving more homes for families and make more money.

 

Discover why your client has a 15% chance of getting a modification done on their own. Your clients that try it on their own don’t know the secrets of getting modifications done. You will be able to get them approved 80% of the time. This will drive people to you for help thus increasing your income.

 

Discover who the partners of the New Hope are and why it matters…You need to know who pays the nonprofits. How can they have the best interest of the homeowner at heart when they are partners with the same lenders that have put these people in a bad situation?

 

Why you want to see your clients face to face…When you see them face to face you will have a much higher closing ratio.

 

How to gather the paperwork from the client…When you get the paperwork from your client at the first meeting you speed up the process thus allowing you to close more files and make more money.

 

How to develop a game plan to get the best results for the homeowner…You need to understand what the client needs and how to get it. It draws a map to your success regarding the modification process.

 

How to outline the program to the client and be very clear…You want to be very clear with your client so they understand the process. You want them to trust you and the only way to do that is to be up front and honest with them regarding everything.

 

How to assess the clients needs including revolving debt…You need to know what will help the client and direct them to it. This will speed up the process so you can close more files and make more money.

 

What to tell the client regarding the 1099 issue and insolvency…You want to avoid the risk of a client getting a big tax bill come next April. Also they will send you more referrals when you share things with them others know nothing about.

 

How to discuss the implications of a short sale and foreclosure with your client… If your client does not qualify for a modification you can help them with a short sale thus saving a lot of time and pain for your client. They will send you referrals for helping them get out of the problem and when the market returns they will come back to you.

 

How does a loan modification affect your client’s credit…You can help your client get into a credit repair program to get their credit score up so when the market returns they will come back to you for help and you get another commission.

 

How do lenders look at debt settlement and why it is important…most lenders will allow you to remove the credit card debt when they are in a debt settlement program. This makes the process smoother and you can get a referral fee for helping your client with debt settlement.

 

 

What does an approved advance agreement form… knowing this will help you stay out of trouble with the regulatory body.

 

How do I get an advance fee agreement form… Again this will help you stay out of trouble with the regulatory body.

 

What is an approved payment schedule… You need to know this to get paid and make a living.

 

Why most lenders want a Notarized Limited Power of Attorney…This allows the lender to communicate with you.

 

Why you need a payment authorization form… So you can take credit card payments.

 

How to complete the application, budget and hardship letter… This will give your client the best chance to get a modification done thus allowing you to make more money.

 

How to put together a Profit and Loss for your client… You can make sure you put the proper P&L together so the lender can read it.

 

Why the lender wants the pay stub… Submit the proper conditions so the modification gets done and you get paid.

 

How many tax returns the lenders want to see and what pages… Submit the proper conditions so the modification gets done and you get paid.

 

What happens if my client has not filed a tax return… This will allow you to get the deal done faster.

 

How many bank statements and what pages does the lender want to see… Submit the proper conditions so the modification gets done and you get paid.

 

What to show for other income… This will allow you to get the deal done faster.

 

What happens if my client has not paid their property tax… Submit the proper conditions so the modification gets done and you get paid.

 

 

What are the pros and cons of processing the modification myself… Which way is faster and which one will have better results not to mention which one makes more money.

 

Who has control of the file… Do I want control of the file or do I want someone else to have control of the file?

 

Who develops relationships with the lenders… Do I want the relationship with the lender or do I want the processor to have the relationship?

 

How much money can I make if I process… When you send the deals to a professional processor or have a processor in your office you can handle 5 times as many deals.

 

Why you need to understand the entire process… You can get the deal faster and cleaner when you know the entire process and more money.

 

What is the learning curve… how much time do I want to invest in this process? The more I can have a processor do the more money I can make.

 

How many files can I handle… You should be able to handle 10-30 deals per month.

 

How many files can I handle if I have a processor… You need to know how many people you can help and how much money you can make.

 

What is the workload… You need to know how much time every aspect of the process takes.

 

What to do with the LPoA and when… You need to know when to submit and how to submit the LPoA.

 

How to review the budget… You need to know how to review the budget so you can get the best results for your clients.

 

How to develop a proposed budget… This is the key to getting a modification done you need to know how to present the proposed budget to the lender to get the best results for your clients.

 

How to match the expenses and income… You need to know how to match the budget so you maintain credibility with the lenders. Make sure you don’t look like a fool by sending something that does not make sense.

 

How to identify gaps in their story… You need to make sure the story is correct to get the modification done.

 

How to analyze the hardship letter… The hardship need to match the entire story. You need to know how to prepare the letter for the individual lender because each lender likes things a little different.

 

How to develop the game plan for the bank… You need to know how to work the game plan for each lender as they are different and you have the best chance of getting the modification done.

 

How to develop an acceptable package for the lender… The package is the most important aspect of the modification. You need to be able to prepare the best package you can so the deal gets done the first time. If not you will have to resubmit the package several times to get it done.

 

How to establish the game plan with the most benefit for the client… You need to know what it is that gives the client the most benefit so you can get them the best deal possible and you get paid.

 

How to contact the lender… You need to know how to contact the lender the proper way and what to say or you will look like a fool. You need to be a professional so the lenders will respect you.

 

How to talk to the lender… You need to know what to say to the lender and what not to say to the lender. If you say the wrong thing to the lender you will get denied and your client will lose their home and you will not get paid.

 

How to tell the lender what you client needs to save their home… You need to tell the lender what your client needs to be able to stay in their home. If you ask them what they can do for your client they will give you the very least they can to keep your client happy. When this happens your client loses and you lose for your client.

 

Why to ask for the most you think you can get… Ask the most you think you can get so your client gets the biggest benefit possible and they will send you more deals than you can handle.

 

How to identify how much you may be able to get for your client… you need to know how much you may be able to get for the client so you do not over promise and under deliver. You want to spot on when talking with your clients about the possibility of the outcome.

 

How to point out how much the lender will lose if they foreclose… When you understand how much the lender will lose if they foreclose on your client you will be able to get more deals done and make more money by saving more homes.

 

How to be respectful but strong with the lender… you do not want to tick the lenders off but at the same time you want to be strong. You need to know how to handle the lenders and get what you need for your client at the same time. This will allow you to get deals done fast, better and allow you to make more money.

 

How often to call the lender and why… You need to stay on top of the lender to get things done in a timely manner. The lender will drag it out as long as they can. You need get them done fast so your clients are happy, you get more deals done and you make more money.

 

When will the client get the final package… you need to be able to tell the client when they will get the package and how to handle the package so the client feels better about the process.

 

Why the lender sends out packages that are not what you agreed on… Sometimes the lender will send out a package that is not correct and you need to know how to handle it. Your client will think you are lying to them if you do not explain things to them upfront .

 

How to handle the lender when they send out a bad package… You need to know how to handle the lender when they send out a bad package to your client so you come across as a good guy.

 

What to tell your client about how to handle a call from the lender… You want your client to feel good about talking with you and the lender.

 

How and why review a fill for accuracy… You want to make sure the client got what you agreed to with the lender so they will get the best deal possible and send you referrals.

 

How to follow up with the lender and the client… You need to keep communications open with the lender and your client, so you stay in good standing with both of them. When you do, you will be able to get more deals done and get more referrals.

 

Discover if all lenders need the completed final documents notarized… You want to make sure you which lenders need the documents notarized so you can get the deal done in a timely manner.

 

What the process is if you send your file to a processor… You need to be able to communicate the process and have good communication with your clients.

 

What to send to the processor… You need to know what to send to the processor so you can get the deals done fast so you can get more deals done and make more money.

 

How will the processor communicate with you…You need to have clear communication with the processor so you can have clear communication with your client so you can get more referrals.

 

How will the processor communicate with the client… You need to make sure your processor communicates with your client the proper way so they will not upset your client nor do you want them to build a relationship with your client. You want to maintain the relationship with your client so they come back to you and only you when the market recovers.

 

Why the processor should have only limited contact with your client… They should not build a relationship with your client only you should build a relationship with your client so you get their business when the market recovers.

 

How often should you communicate with your client… You need to communicate with your client on a regular basis so they are comfortable with you and trust you. The question is, what is the best amount of contact and timing of the communication with your client?

 

How to close out the file with the processor… You need to know how to close out the file to make sure the client gets the deal they were promised and it goes into affect.

 

 

How to share with your client the scams and things going on… You need to share with your clients the scams that are going on around the country so they trust you more and are not afraid to send you their family and friends as referrals.

 

What to do if your file was denied by the lender… You need to know how to handle the file if it gets denied by the lender. You need to know what to do next so your client gets the best possible deal.

 

How to refer the file to a lawyer… Sometimes the best thing you can do is refer your client to a lawyer to get their help. You need to know when and how to do that so you maintain the trust of your client.

 

How to counsel your client… Your clients will be under a ton of stress and you need to know how to handle that stress for them. When you do they will send everyone they know to you for help.

 

How to market in your community… You need to know how to get the biggest bang for your buck.

 

How to handle your existing client base… You need to know what to say to your client base so they will come to you for help regarding their modification.

 

How to have community involvement and get free promotions… You can get the people in the community to bring you deals thus reducing your advertising budget.

 

How to approach nonprofit companies to speak at their events…You can get nonprofits to host events for you and do all of the marketing. This will bring you a lot of business and you come out looking great because you are helping your community.

 

How to get nonprofit companies to send you their deals for free… Nonprofit companies will send you deals for free when you approach them and show them how it will help them.

 

How to hold public events and get deals for free… You can hold free public events for next to nothing and get half of the people there to come to you for help.

 

How to contact HOA’s and get them to send you people behind on their payments… HOA’s are running out of money and need your help now. They will bring you the people that need help because they will get money that is owed them when the homeowner is able to make their payments.

 

Why HOA’s want to help you… All you have to do is approach them and they will have a meeting with you as the speaker for the home owners needing a modification. You get the deals and the HOA gets paid the money they are owned by the homeowner.

 

Why nonprofit companies will send you deals… Nonprofits will send you deals because they have members that need your help. When they trust you are a good guy and have faith in what you are doing they will advertise to their member base for you.

 

Why your community will help you get deals… nothing like getting deals for free.

 

How to get referrals from 75% of your clients… Your clients will send you deals when you take care of them the proper way. The more referrals the more net profit you make by reducing advertising.

 

 

What does the UMMAA want to accomplish and how does it affect you… You want to be a part of something good.

 

How do you get updates on what the lenders are doing… You need to be up to date with the policy and procedure changes of the lenders as they change everyday . You need to know what is going on so you can serve your clients in the best possible manner.

 

How you stay in formed on the daily changes in the industry… You always want the latest and greatest information on the lenders so you get the best results for your clients and they continue to send you referrals.

 

How to get leads for free from the UMMAA website… The UMMAA website gets leads everyday and they are given to the loan modifiers in the area closest to the client.

 

How you get ongoing training… You want to have the latest and greatest training on the market so you are on top of your game.

 

What are some of the training opportunities… You need to take advantage of all of the trainings you can get so you are fully prepared to help your clients to the best of your ability.

 

How to become a UMMAA trainer… You may want to become a UMMAA trainer to help others learn how to help people in their area.

 

How to become a wholesale processor and make money from other modifiers… You may want to develop a wholesale processing company to process modifications for other modifiers and get a steady income from helping many people in your community.

 

How to keep your pipeline full… By helping people keep their homes you will keep them coming back to you forever. When the market recovers you want to be the one they come back to.

 

How to help your client settle their unsecured debt and make money… Some of your clients may need to get help settling their debts. Most of the lenders allow you to remove the unsecured debt if you client is in a debt settlement program. You can get a referral fee for helping your client with their debt settlement or you can coach them upon how to handle it.

 

Why your client may need credit repair in the future and how to get paid for it… Your client may need credit repair service when you have completed the modification process. If they do you can help them with the process and keep them in your pipeline.

 

How to find new clients… You need to know the easiest way and most cost affective way to get clients.

 

How to set your pricing structure… You need to know how to price your services to maximize the amount of business you get. If you price it too high you will not get much business. If you price it too low you will not make enough money to pay the bills.

 

How to close the deal… You need to know how to close the deal with the client so you can get paid.

 

How to structure the deal…You need to know how to structure the deal to get the best possible outcome for your client and then you will get more referrals. You want to under promise and over deliver.

 

How to get involved in the weekly tele-seminar training… You want to stay on the track of success and nothing helps more then staying in touch with others doing the same thing.

 

How to get business training to stay on track… You want to be able to maximize your profitability.

 

Who to call to answer your questions… You will need a sounding board to get some of the questions you have answered. Nothing is better than talking with people that are handling the process everyday.

 

What forms you need… You need to know what forms to use and when to use them to get the best results for your clients.

 

How to get the forms you need without creating them… You do not need to recreate all of your forms when you can get access to forms that are being used now by the professionals.

 

How to get started right now making money… No time is better than now to start making money and saving homes for the families in your community.

 

Why it is important to start the process now… Most of the homeowners in need of your help can not wait or they will lose their homes.

 

What to do if your client has received a Notice of Default… You need to know how to handle a client that has received a Notice Of Default or you will be in trouble and your client will lose their home.

 

What to do if your client has received a Notice of Trustee sale… You need to know how to stop the sale so you can modify the loan for your client.

 

How to stop a Notice of Trustee sale… Again, you need to stop the sale to save the clients home.

 

How to get the lender to drop the back payments… Sometimes the homeowner is way behind on their payments and the lender wants the money before they will do a modification. You need to know how to get the lender to do a modification and allow the homeowner to put the past due amount on the end of the loan.

 

How to get the lender to lower the interest rate… You need to know what the lenders are willing to do before you meet with your client so you can develop a great game plan. The only way to do this is to read the updates and stay on top of it. Some lenders will go all the way down to 0.01% but it does no good if you don’t know which lender will do that.

 

How to take your client out of an option arm and still lower their payment… option arms are the biggest problem we are facing right now. You need to know how to take your client out of an option arm loan and get their payment reduced.

 

The regular price of my 4 hour training is $299.00 but for the first 50 people that register the price is only $97.00

 

 

 

I look forward to seeing you at this one of a kind workshop. If you want to make a difference in your lie and the lives of others you need to attend this training.

 

Have a wonderful week,

Kev