Category Archives: Securitization Audit

Homeowners with Upside Down Mortgages Will Get On-the-Spot Help on July 23rd, 2011

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San Francisco, CA (PRWEB) July 18, 2011

FESPIR Organization is hosting a Mortgage Debt Relief Conference (http://www.debtreliefconference.com) on Saturday, July 23rd, from 9 am to 5 pm at the San Francisco Airport Marriott in Burlingame, California. The Conference offers hope for homeowners with upside down mortgages and for people burdened by debt.

The conference will feature an eye-opening presentation by Tim Kirchner, CEO of FESPIR Org; Patricia Rodriguez, Attorney, and Dean Newton, CEO JustUsDebt.

The Conference room has limited seating and will fill up fast. Register early at http://www.DebtReliefConference.com or if you need help right away, call 877-247-0080.

The Debt Relief Conference offers the perfect opportunity for anyone with an upside-down mortgage or other debt burden to get help on-the-spot from the attorneys and debt relief specialists who will be there, says Tim Kirchner, CEO and founder of The FESPIR Org. If you are under financial stress, facing foreclosure, need mortgage principal and interest reduction, have failed loan modification, have an upcoming trustee sale, or simply need help saving your home, you owe it to yourself to attend this conference.

FESPIR (http://www.fespir.org) is a non-profit organization comprised of consumer advocates, attorneys, financial analysts, professional debt arbitrators, and many other volunteers dedicated to helping people save their homes. The organizations sole purpose is to educate and inform homeowners so that they know their options and can make an informed decision about saving their home.

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Dennis Ruisch joins the Team of Michael Swift & Associates at J. Rockcliff REALTORS

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Pleasanton, CA (PRWEB) April 30, 2013

With over 30 years experience in real estate, Dennis most recently worked as a short sale negotiator for Wells Fargo Home Mortgage, near their headquarters in Des Moines, Iowa for almost 4 years. He was on the very first team that hit the floor when Wells Fargo opened a new short sale department. He was consistently ranked at the top of his department, based on the number of closed short sales every month. Time after time, Dennis was recognized and rewarded by Wells Fargo for his quality and performance.

“Dennis inside knowledge of short sale operations within the largest banks will be a valuable tool in working through short sale requests, and properly structuring those requests to ensure that they are approved as quickly as possible.” Michael Swift, Broker CDPE, SFR, CSSA, CSP, CFS, NAR/CRS Short Sale Certified and founding member of the Northern California Modification and Short Sale Brokers Group

Born and raised in Iowa, Dennis first received his Iowa real estate sales license in 1983. Much of his career has been in mortgage banking and he is remarkably experienced at finding creative solutions and ways to bring real estate sales to a successful close. Prior to joining Wells Fargo as a negotiator, Dennis originated mortgage loans for many years. As the founder of Dr. Mortgage Inc. in July 2005, he prescribed healthy home loans until forced to close the business in April, 2009 because of the collapse of the housing bubble and mortgage meltdown.

A victim of the illegal foreclosures that swept the country, Dennis had his home of 20 years foreclosed on while he was supposed to be protected under the terms of a loan modification. After fighting with the lender for years and filing complaints with the appropriate regulatory agencies, he was finally able to reach a settlement with Freddie Mac (The Federal Home Loan Mortgage Corporation).

I am extremely excited about the opportunity to represent people in financial difficulties instead of the bank. Because of my experiences, both personal and professional, I can most certainly empathize with their situation and am in a very unique position to offer counsel and advice. Dennis said. When I first decided to move to the East Bay Area, Michael Swift was recommended to me by one of my peers at Wells Fargo as an agent who really knows his business. I feel very fortunate to become a part of his team while also escaping the cold Iowa winters for warmer climates.







LoanSafeMods Team Keeps Family In Their Home With The REST Report

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San Diego, CA (PRWEB) April 18, 2013

LoanSafeMods.com helps families to stay in their homes even when foreclosure seems imminent. The team at LoanSafeMods does this by providing the REST Report (Real Estate Services and Technology Report) which is a third party analysis tool that shows all possible foreclosure alternatives and can be used to find the best options, prove worthiness of a modification request to a loan servicer, or even stand as proof in a court of law if a modification that was clearly qualified for was denied.

The LoanSafeMods team of homeowner advocates takes homeowners each step of the way; from getting the REST Report done to reading and understanding the analysis and from initializing loan modification request to seeing the process through and ensuring that all is done to get the modification granted. Thousands of homes have already been saved from foreclosure or short sales thanks to the rest report and families that would have otherwise been forced to leave their homes were able to stay in the houses they love.

One homeowner that was greatly helped by the REST Report program is Ron, a single father of two who works as an EMT and lives in San Diego. His story can be found in a new REST Report review video that was recently posted on the LoanSafeMods website.

In his review, Ron explains how things got hard for him financially and how he tried to apply for the Make Home Affordable Program on his own. He found, however, that the bank was impossible to deal with alone, as they continuously asked him to submit new documents and on numerous occasions even lost the paperwork he had sent in and needed him to resend it.

This was frustrating and stressful and so Ron says that he decided to pay up front for a service that promised to help him get his modification granted. However, this firm was not able to do what they had promised and Ron lost his money and got into danger of foreclosure due to the advice given him by this company.

Ron says in his review, “What scared me the most about everything was everyday not knowing if someone was going to come knocking at my door telling me to get my stuff out. It was just me and my kids. We had no where else to go.”

After nearly three years of getting the run around, Ron was ready to quit. Luckily he found the REST Report and the team and LoanSafeMods helped him to reapply for the modificaiton. After years of trying to get his request approved, within a few short months of running the REST analysis, Ron got the modification.

The new mortgage terms under the modification reduced Rons principle by more than $ 350,000 and cut his monthly payments in half. Ron couldnt be happier. He says in his video, “I’m so glad I stuck it out” he adds “I just want to thank everyone who just went out of their way to do a fantastic job and do it quickly! They know what they’re doing and the right way to go about it and they get great results. Thank you!”

For more information on the REST Report and for more REST reviews from real homeowners, please visit LoanSafeMods.com.







Get Out of Debt Free Card, Now Available on Kindle, is a Personal Finance Book Everyone Can Understand

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(PRWEB) February 07, 2012

Get Out of Debt Free Card, written by Karin Palminteri, is now available on the Kindle platform. The book was written with the goal of helping the everyday person become financially responsible by teaching readers how to develop skills to get out of debt and make good financial decisions. The book has everything the reader needs to know for a debt free future. There is no finance degree or college education required; this book was written for everyone to understand.

If more people are aware of their finances and how to structure them, and they are educated on the resources available to them, they will be able to get out of debt and make good financial decisions in the future. In return, it will help our economy as a whole, Palminteri said. In todays society, a lot of people make very poor financial decisions due to the lack of knowledge and skills that are required to be successful financially.

Palminteri wrote the book in a straightforward, easy-to-understand manner, leaving out the fluff included in other personal finance books. She gives the reader clear information and gets straight to the point.

The following topics are featured in the book:


Creating a budget: It is important to know how to create / structure and stick to a budget. A budget is a breakdown and plan of how much money you have coming in and going out. A business couldnt be successful if it didnt keep track of its income and expenses, and the same is true when it comes to personal finances.

The warning signs of debt: There are a few early warning signs of credit problems people should be aware of. When you know what warning signs to look for, action must be taken immediately to turn finances around.

Defining wants and needs: As we take a closer look at our spending habits during our countrys financial crisis, chances are we are still spending hard-earned money on needs that should really be wants. We must become more financially responsible for our actions and more conservative with our finances.

How to live within and beneath your means: Its important to learn how to save money and live beneath your means. Your spending habits can have a tremendous impact on your financial future.

Creating and structuring goals: Goal setting is a very important tool to use in your life. It helps you focus on your current and future visions for yourself, while quickly identify distractions that take you off your path to your current goal.

Negotiating tips and techniques for credit card debt reduction: One of the best possible ways to get rid of your debt is to ask creditors to negotiate the amount to be paid. In this manner, you can ask the creditor to allow you to pay a certain amount smaller than that which is due. Before moving on to debt settling with a collection agency, you need to first understand how collection agencies play a part with your debt.

How to reduce expenses: Never pay full price for anything, including internet, phone, satellite and cable services prices. You have to ask for a discount to get one everything is negotiable. Many retail stores will give you at least 10% discount if you ask. When structuring your budget for utilities, call and get on the budget plan program which puts your bill at a set amount each month. On a set budget plan, you will eliminate any potential financial surprises.

Important facts about banks and mortgages: What are your rights? What help is available? What loan modifications are available? Make decisions with your head, not your heart. Reduce your house taxes by filing an appeal for a property tax decrease.

It is important to read every chapter in the book and incorporate them into daily life. The chapters help develop skills to be financially successful and eliminate debt. The goal-setting skills that will be acquired can also be useful in personal life for success.

Get Out of Debt Free Card is available for the Kindle for $ 7.95 and can be found by clicking here.

About the Author:

Karin Palminteri has had many financial challenges in her life. She worked a full time job and two part time jobs while attending college full time for 6 years. She was a single parent raising two sons on her own with no financial support from her ex-husband while having both sons in ice hockey 5 days a week and spending only $ 25.00 a week for groceries. She encourages readers to not give up on their goals and dreams, reinforcing that if they push themselves hard enough, they will succeed. She is living proof.

Palminteri has a BA in Finance and a MBA in International Business at DePaul University. She is currently working as a Sr. Financial Analyst and has over 15 years of financial experience in budgeting, forecasting, costing and financial structuring. She has her own business that financially advises the budget structuring of start-ups, presents workshops for a debt-free future and provides private debt consolidation advice. She is living proof that if you have a strong desire and determination to succeed and get out of debt, you will.

Media Contact:

Karin Palminteri

708-320-8531

karin.palminteri(at)yahoo(dot)com

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More Loan Modification Yourself Press Releases

Queens Bankruptcy Attorney Bruce Feinstein, Esq. Discusses Updates to the Home Affordable Refinance Program

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Queens, NY (PRWEB) May 08, 2013

The Federal Housing Finance Agency announced that it is extending the Home Affordable Refinance Program (HARP) through December 31, 2015. HARP was set to expire at the end of 2013. As a bankruptcy lawyer in Queens, New York, Bruce Feinstein, Esq. answers many clients questions about their homes and how to keep them during financial strife. Oftentimes their houses are underwater, or worth less than the amount owed on their mortgage, and HARP can be a valuable source of aid.

Mr. Feinstein explains that programs like HARP help owners with mortgages through Fannie Mae and Freddie Mac refinance their home loans. Certain criteria need to be met before assistance can be given. Fannie Mae or Freddie Mac must own the mortgage in question, and it needs to be from before May 31, 2009. The homeowner must also be up to date on mortgage payments, and the current loan-to-value ration needs to be larger than 80%.

Individuals who qualify for HARP can refinance for a mortgage with a lower interest rate, lower payment, or even a shorter mortgage period. This alleviates much of the pain associated with an underwater home. The FHFA extended the program because it knew that HARP helped both troubled homeowners and lenders. According to a recent article on HousingWire, as of January 2013 over 2.2 million borrowers have refinanced using HARP since it began in April 2009.

While this is great news for those involved with Fannie Mae or Freddie Mac mortgages, there are still many homeowners who dont qualify. Mr. Feinstein says that there are options avilable to those who are at risk for foreclosure or repossession. Chapter 13 bankruptcy will stop foreclosure proceedings and give the homeowner the opportunity to create a new payment plan and keep their home. A loan modification will change the terms of a mortgage in order to make the loan payments more affordable and avoid foreclosure. Or the homeowner can go through a short sale, in which they agree to sell the property for less than the remainder due on the mortgage, with the proceeds going to the lender.

There are various options available to people struggling with mortgage payments. Fortunately, HARP will be around through 2015 to offer more assistance to homeowners. And other options ranging from filing for bankruptcy to applying for loan modification can help at-risk homeowners. Every case in unique, so Mr. Feinstein recommends working with an attorney to find the best financial solution.

Bruce Feinstein, Esq. has worked with hundreds of individuals to help them avoid foreclosure. Mr. Feinstein and his team, located in Queens, New York, work with clients throughout Kings, Queens, and Nassau counties. Visit the Law Offices of Bruce Feinstein, Esq. at http://www.bfeinsteinesq.com or call (718) 514-9770 to reach his New York office.







To Help North Carolina Homeowners Avoid Foreclosure The McCann Law Group LLP dba Consumer Attorney Services Added Brice Bratcher of Counsel in April

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Jacksonville, Florida (PRWEB) April 18, 2013

Consumer Attorney Services added attorney Brice Bratcher of counsel to their national foreclosure defense team in April to help North Carolina homeowners fight foreclosure. Consumer Attorney Services knows Bratchers experience in foreclosure defense and varied working career within the legal community makes him a great fit for their foreclosure defense team.

Bratcher managed law firms including North Carolina Senator Doug Bergers office for two years and Mediation, INC., a law firm which handled court ordered mediations on the state and federal levels. He also worked for the Howard, Stallings, From and Hutson law firm as a department manager for three years before attending law school.

Bratcher graduated cum laude from the North Carolina Central University School of Law where he received his Juris Doctorate. While in law school, he was an active leader in student government and a two-time member of the moot court team. He also participated in the Saul Lefkowitz Intellectual Property Moot Court Competition.

Consumer Attorney Services noticed many North Carolina homeowners were still having serious issues in dealing with their banks despite a recent settlement to help homeowners in foreclosure. Consumer Attorney Services selected Bratcher to address these problems.

The recent $ 25 billion mortgage settlement was geared towards motivating banks to do a better job helping homeowners, but some homeowners in North Carolina are still battling with foreclosure difficulties. One major problem lies in the banks ability to continue moving forward with foreclosure actions while homeowners file paperwork to apply for a loan modification.

An April 2013 article titled One Year After Mortgage Settlement, Frustrations Linger For Troubled Borrowers, on the Charlotte Observer website touched upon this problem in saying, Janet Menetrier was surprised to be served a foreclosure notice on her Charlotte home in early December, just three months after Bank of America promised her a loan modification over the phone.

Consumer Attorney Services believes their addition of Bratcher will help more homeowners in North Carolina find foreclosure solutions without the banks ripping the rug out from under them. With legal representation and an understanding of the North Carolina foreclosure process, homeowners can prepare themselves to avoid foreclosure.

Consumer Attorney Services is a full service consumer advocacy law firm headquartered in Jacksonville, Florida, helping families with foreclosure defense, debt settlement, bankruptcy law and more.







Homeowners Consumer Center Warns Millions Of US Citizens Who Have A Home Mortgage Worth More Than The Home’s True Value-Don’t Get Taken By A Loan Modification Scam

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(PRWEB) July 16, 2012

The Homeowners Consumer Center is one of the premier homeowner advocates in the United States, and they are warning all US homeowners to be extremely cautious about cable TV ads suggesting help for millions of US homeowners seeking a loan modification, because they owe more on the home than it is worth. In one instance the Homeowners Consumer Center called one of the so called loan modification companies, and the firm wanted $ 795 up front for a do it yourself loan modification booklet. The Homeowners Consumer Center says, “If you call your bank, or loan servicing company they will send you loan modification self help information for free. Why pay for something your bank, or loan servicing company will provide you for free? If a homeowner is really serious about a loan modification we are urging them to only hire a licensed law firm, or attorney that knows what they are doing with respect to loan modifications. Do not try to do a loan modification without a law firm, or attorney in your corner.” http://HomeownersConsumerCenter.Com

Does the Homeowners Consumer Center have any suggestions as to what law firm might be able to help millions of US homeowners in all 50 US States? The answer is 100% Yes. In May of 2012 The Homeowners Consumer Center endorsed the law offices of M.E. Ludt for any US homeowner seeking assistance with a loan modification, mortgage workout, foreclosure defense, or pre-foreclosure related issues. The group says, “With so many non attorneys offering these types of services, we fear many desperate homeowners pay for something they never get. The Law Offices of M.E. Ludt consistently achieves significant results for homeowners seeking legal help with their mortgage, with a foreclosure, a mortgage workout, or with mortgage loan modifications throughout the US.” The Homeowners Consumer Center has endorsed the Law Office of M. E. Ludt because they deliver considerable results, and they have amazing capabilities for homeowners in all 50 states. The Homeowners Consumer Center says, “If a homeowner has verifiable income, if the homeowner qualifies for one of the MHA income/expense hardships, if the homeowner has received a mortgage default notification, if the homeowner is facing a foreclosure, or if the homeowner wants to negotiate better terms for their mortgage, there is a very good chance the Law Offices of M.E. Ludt can assist them.” For more information about the nationwide services being offered by the law firm of M E. Ludt please call 1-888-364-8844. http://MELudtLaw.us







Florida Brokerage Firm Offers to Take Trade Ins on Rental Homes, Even Supplies Trade Ins

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Dunedin, FL (PRWEB) April 18, 2013

Advanced Realty Team, Inc. yesterday introduced the Home Trade in Program to increase savings on their various rental programs. And, they will even supply the Trade-In Home.

Home Trade In closely follows another rental enhancement plan called Rent One-Get One. In Rent On-Get One, Advanced began giving away a stylized, made-in-China ceramic home with every new rental.

The Dunedin, FL-based real estate brokerage-investment boutique has been buying houses fast in Tampa Bay for two decades and now offers some of those homes as rentals in several different programs.

“We were pretty clear at the start that Rent One was not really offering more value, but was a promotion to show how big our values were and how small the price, said George Beardsley, Broker-President of Advanced.

So we started getting comments like, its cute, but what am I going to do with a ceramic house? Ive got enough junk already!

To add value to the Home Trade In Program, Advanced responded by offering to buy the Free Home back immediately for a $ 50 a month discount on the rental and a $ 100 reduction in the move in money.

Advanced buys houses fast and as is in almost any condition in the Tampa Bay area and turns them into affordable housing. Beardsley holds the United States Patent and Trade Mark Office registration for the Famous Rent to Own on Steroids Program which takes all money paid in the entire first year and turns it into down payment.

The tenant-buyer can earn a mortgage by making 12 consecutive payments on time and maintaining the home as though she owns it already. Credit score does not matter.

A newer program is the Famous Foreclosure Rentals where the home is in or about to be in foreclosure and is rented at a discount price to make up for the inconvenience of getting papers delivered by the bank. In all cases the landlord has secured the services of a board certified attorney to represent them in the process of getting a mortgage modification on the loan.

Advanced started the Foreclosure Rental Program after the number of homes in foreclosure surged and will now buy homes in foreclosure and underwater for cash.

In addition, Advanced offers one-stop shopping and will buy a house, list it on the MLS for $ 295 or enter advertisements on the Internet to help a home owner who needs to sell a house fast as a complimentary service.

To be clear, we will place an ad for no charge, but selling a home is never without cost, Beardsley said. There are closing costs of various sorts, he said.

However, if we buy a seller’s house we will pay all closing costs and for people who deal with us directly there is no commission even though I am a real estate broker, he said.

He also pointed out that the $ 295 for a listing will not be the only expense.

In order to sell your house that is listed in the MLS you must offer compensation to the real estate agent or broker who brings the buyer to your home, handles the details and arrives at the sale of your house. He said. So in addition to the $ 295 the homeowner must also offer a commission to the real estate professional. We recommend three to five per cent to the person who provides a buyer. For a $ 100,000 sale that would be $ 3,000 to $ 5,000.

But again, he said, with us, home owners sell fast with no commission and no closing cost.

Advanced was founded by two stock brokers who had a bad experience in their efforts to sell a home in Boca Raton which was a mile away from the site of a proposed garbage burning incinerator.

In that case, they eventually sold the home with owner financing and the results turned out so well they decided to leave stock brokerage for real estate using creative financing ideas.

Some of the methods they have learned allow them to buy houses today for retail value and close quickly.

We have been buying houses fast for two decades in the Tampa Bay area and I am almost positive what the next development will be, Beardsley said. Someone will want to know if they can get the $ 50 a month discount and keep the ceramic house because it is so cute, he said.

Well, it is negotiable, he said.







More Loan Modification Services Press Releases

Texas CPAs Offer Advice for Home Buyers and Sellers

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Dallas, Texas (PRWEB) May 09, 2013

If youve been waiting on the sidelines to purchase a home, or to put yours on the market, has the time for action finally arrived? The American Taxpayer Relief Act of 2012, the law that addressed fiscal cliff issues, helped clarify some of the answers to that question. The Texas Society of CPAs offers perspective on provisions of the act that relate to the real estate market and on other things to consider when making your decision.

The Mortgage Deduction Endures

The final negotiations in Congress at the end of last year answered several important questions, including whether home owners would continue to be allowed to deduct mortgage interest from their taxable income. The new law does not eliminate that deduction, and thats a positive development for home owners because their tax bite could have expanded significantly otherwise. At the same time, many aspiring first-time homeowners might have found it harder to afford mortgage costs without this deduction. In addition, the final deal also preserved the deduction for the cost of private mortgage insurance, which is used by buyers who are making less than a twenty percent down payment. Loss of either of these deductions could have made some waves in the market for both buyers and sellers.

Short Sales Are Still on the Table

The new law gave a one-year reprieve to homeowners whose homes are underwater, those whose mortgage is greater than the current value of their home. Under a previous tax rule, homeowners who received loan modifications or engaged in short sales did not have to pay taxes on that debt relief, but that provision expired at the end of 2012. The new law extended that relief for one year, adding some stability to the real estate market and potentially making it easier for struggling homeowners to hold on to their properties and avoid going directly into foreclosure.

Uncertainty Remains

Both buyers and sellers should keep in mind that there is still a great deal of uncertainty about the economy, which can have a major impact on the home market. When contemplating any significant financial step, remember that its always a good idea to review your financial position to determine if its the right thing to do. Be sure to turn to your CPA for help with this process.

Have Your Finances in Order

When it comes to home ownership, knowing youre taking the right step involves ensuring that you have the right budget for the property youre considering. As a general rule, mortgage costsincluding not only your mortgage principal and interest but also taxes, insurance and related monthly feesshouldnt add up to more than 30% of your income. You should also determine if there are any problems with your credit score or history that might prevent you from getting a loan. As part of the process, you may also want to contact a lender and get pre-qualified for a mortgage amount so that you have a realistic sense of what you will be able to borrow. When you research neighborhoods, remember that good school systems can help keep home prices strong, so find out about the quality of the school district even if you dont have kids.

Talk to Your Local CPA

The decision to buy or sell a home is a significant one. Before you take this big step, consult your local CPA. He or she can offer advice on the tax and other issues related to home ownership and provide information and insights on all your financial concerns.

About TSCPA

TSCPA (http://www.tscpa.org) is a nonprofit, voluntary, professional organization representing Texas CPAs. The society has 20 local chapters statewide and has more than 28,000 members, one of the largest in-state memberships of any state CPA society in the United States. TSCPA is committed to serving the public interest with programs that advance the highest standards of ethics and practice within the CPA profession.







REST Report Helps Save Single Mothers Home From Foreclosure LoanSafeMods.com

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San Diego, CA (PRWEB) April 19, 2013

The REST Report (Real Estates Services and Technology Report) is a third party analytics tool that shows homeowners and loan servicers all the options homeowners have to avoid foreclosure. It does this by comparing the information on the homeowners mortgage loan with data from all available government and non-government loan work out programs and creating a report that clearly shows what programs are qualified for as well as why the mortgage qualifies for them.

This can help homeowners to make the best decision when it comes to the future of their homes and it can also help to convince banks and loan servicers that it would be in everyones best interest to approve a modification rather than to foreclose the property. The team of homeowner advocates at LoanSafeMods.com help to connect struggling homeowners with this powerful tool, as well as to offer advice and walk them through the modification process if the REST Report shows a qualifying result.

So far, the REST report has helped to save thousands of homes from foreclosure and families who had lost hope are now able to afford to stay in their homes. One small family who was helped by this report is Linda and her young daughter who live in Oceanside, California.

Linda, a single mother, attempted to apply for a modification when support from her ex-husband stopped and she started to struggle with the payments on her own. However, her bank was unable to make a decision on her request and continuously asked her to resubmit paperwork. Linda says in her REST Report testimonial video, “It was so perplexing to me because I had enough income, I had all the criteria and they kept telling me ‘You have to resubmit, it’s been three months. You have to send in a new application.’ I think I applied at least 3, maybe 4, times!”

After two years of getting the run around and having no clue what the problem was, Linda was ready to throw in the towel. She says in her video that was recently posted on LoanSafeMods, “The scariest part was thinking that I was going to lose my home.” “I have a little girl and she’s been here all her life, born and raised, and this where we live! This is our garden! This is our little home! This is where we want to be! But we were in limbo the whole time. We had no idea what was going on and it was just scary to think we’d be out the door anytime.”

Finally Linda found the REST Report. She says, When I first heard about the REST I wasn’t sure what it was going to be but knew I needed to understand the numbers better because no one at the bank was explaining it to me. So I had a REST Report done and I looked at it and it was the first time that the process made any sense to me.

Linda resubmitted her request one last time. She says in her video, The numbers made sense so it was just a matter of getting it to the right person at the bank and it was a done deal within a few weeks. The new mortgage terms reduced Lindas monthly payments by $ 900. Linda and her daughter are no longer fearful of losing their home.

For more information about how the REST Report can help struggling homeowners, click here.