Table of Contents

SECTION I: GETTING STARTED

1. Home Foreclosure and How It Works
2. Terms Your Should Be Familiar With
3. Qualifying for a Home Loan Modification Program
4. Bankruptcy: What It Can and Can't Prevent
5. Using a Financial Calculator
6. Home Loan Modification Programs
7. Calculating a Loan Modification Plan
8. What You Need To Do Now!

SECTION II: YOUR LOAN MODIFICATION PLAN

9. Your Initial Steps For Success
10. The Paperwork: (Financial Statement, Hardship, and Cover Letter)
11. Preparing a Home Loan Modification Plan
12. Submitting Your Home Loan Modification Package
13. What Happens Next?
14. What If Modifying Your Home Loan is not an Option?

Closing Thoughts
Index

EXHIBITS


I. Income Qualifying Analysis Worksheet
II. Lender Questionnaire Form
III. Home Loan Modification Worksheet
IV. Comments Sheet
V. File Stacking Order
VI. Lenders Telephone and Fax Numbers
VII. Sample of a Hardship Letter
VIII. Home Loan Borrower's Information Form
IX. Home Loan Information Form
X. Financial Statement Worksheet
XI. Tax Form 4506-T
XII. Sample of a Cover Letter
XIII. Internet References
Blank Copies of All Worksheets

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