One of the most important things you can do to insure the success of your efforts has nothing to do with your knowledge, skills, or income. You have complete control over this secret weapon and can use it to snatch victory from the jaws of defeat. So what is your secret weapon?
It’s your attitude!
The attitude you choose to take when dealing with your lender is critical to your success. They will appreciate a can-do, positive attitude more than you can possibly imagine. They typically deal with negative, angry people all day long. Remember that loss mitigators are not mean people trying to steal your home and security from you. They are simply people doing their job. Just being friendly, polite, and considerate will usually get you treated the same way in return.
We’ve had mitigators bend over backwards to help clients simply because we were friendly to them and actually returned their phone calls and provided the information they needed as quickly as possible. Be as nice as possible to them…it can only help you in the long run.
This is one of the simple tips and tricks we offer in our Hassle Free Hardship Letters manual. If you’d like access to the same insider knowledge that has helped over 9,586 homeowners reach their goals, click here now!
And if you’re in need of a free sample hardship letter for your hardship or loan modification package, we’ve got a proven one here.
Tags: hardship, hardship letter, lender mediation, lender negotiation, loan modification, loss mitigation, negotiation, tips, workout plan
December 16th, 2008 at 3:34 pm
I have a banker who believes…in his wording that since I am refinancing a personal loan with No real property..that before he can “Foreclose” on my loan he would need to update my financial situation..
How can I get this guy off my back and quit using a word like “Forclosure” since I don’t have any “Real Property” and have no coladeral used on the last loan 2 years ago?
Brent from Loan Modification Reply:
December 16th, 2008 at 10:20 pm
If your banker’s lien isn’t against Real Property then there is nothing to foreclose against. He is either using the wrong words or you have a lien you are unaware of!
If you have no real property you will have a collection account or a judgment! There are other ways to get you to pay so just get more information and hopefully you can find a win-win solution!
Todd Reply:
December 16th, 2008 at 11:00 pm
Edward,
Let me introduce Brent…he’s one of the team members here at Truth in Foreclosure. He’s a mortgage broker and works with customers every day to refinance or modify their loans to stay out of foreclosure. His website is: http://www.brentlane.wordpress.com and is a great source of info.
Todd
Ligia Gonzalez Reply:
December 31st, 2008 at 10:35 pm
My lender Wells Fargo modified my loan 3 months ago, my mortgage payment went up instead of get down, they told me is because now we pay PI, before we paid interest only. Now they told me we get $5,000 short in scrow and want to increase my payments from $3,200 to 3,700, we can not afford this payment. I need help badly, could you please tell me what can I do?. We will be behind the payments again.
Thank you,
Ligia Gonzalez
December 17th, 2008 at 2:12 pm
nope…no lein…no collateral….he has tried to put down property that I don’t own and didn’t cosign for..found out that was a big no no….
December 17th, 2008 at 2:17 pm
lien you are unaware of?….I have checked Iowa Courts Online and nothing…because there is nothing…the contract couldn’t be figured out by three banks…including their own…I have even gone to the FDIC with no luck…I am afraid of ID theft because he keeps copies at his home…and there is no physical bank in that city…just a P.O. Box…