If you find yourself trapped in a mortgage you can’t afford, you’ve found the place that will help you. Time and time again borrowers find their lenders talk about working with them. But in reality, it is just talk. They find nothing but closed doors and less than helpful collection department employees. In fact, the latest statistics showing how many modifications are actually being performed prove the lenders are being slow and less than cooperative.

While HUD (the Department of Housing and Urban Development) offers free help for homeowners, you shouldn’t expect them to pre-qualify or underwrite your loan modification, both are absolutely required for the best chance of success.

The banks will also tell you their help is free. It is. They also tell you can do a loan modification without any help. You can. But if you tell the bank the wrong thing, they misunderstand what you’ve told them, you somehow happen to make a mistake on their forms, or they make the mistake, you are denied. And don’t forget, their job is to collect as much from you as they can, not find the best solution to help you to pay less. Working only with the bank is like letting a fox watch the hen house.

Others offer e-books, DVD courses and the like. They will most likely educate you, but what helps folks the most is having someone there with them, available for help and advice during the Loan Modification process. That’s the purpose of your subscription to our Self Defense Program. It’s one of a kind, and has proven to be the most cost effective solution for folks looking for answers without paying thousands of dollars.