Get your new loan modification as we did...

My wife's and my particular reasons for needing loan modification are immediately below.

You might well care less about our mortgage problems and though you may not even have an ARM you cannot refinance easily like us, or any mortgage problems yourself; you would certainly know someone who does.

Consider saving this and/or sending it to those you care for. So far, it's helped lots of folks. When you leave your e-mail address, you will never be spammed--that's a promise.

Scroll down about nine paragraphs to the first asterisks (*****) you see below, if you prefer to skip our personal history here:

Our personal situation: The IRS made some huge mistakes on several of our early year-2000 returns, when we were audited. After literally several years of letters, explanations and more audits, we finally prevailed. We could have actually gotten lucky, as the IRS has now, very recently and finally reimbursed us for held funds and refunds. We most likely would have invested or spent it if it had come to us normally, year after year. Now, they've had to pay us an average of over eight percent interest--much better than, say, bank interest and much better than losing it in the market.

The point is, we've never been able to refinance until now, as the IRS put a bogus lien on our property, claiming over a hundred thousand dollars in back taxes.

We beat IRS with the help of lots of study, some terrific tax education and lawyers who understand their tax trade. We also had help from the IRS tax audit department, but we had to go to a national supervisor and get their attention in unorthodox ways (calling Washington, e.g.).

Within the last three years, though, we have also , unrelated to the IRS problems, lost much of our pension. After working for my company for just short of 35-years, the company went "Chapter 11 of the bankruptcy code" and were able to reduce my pension nearly in half through the courts. Obviously, this is a huge blow to one's retirement paycheck, when expecting much more quality of life, then losing it.

We sold our second home and bought a lot to build again, in order to afford a less expensive primary home, as even our primary home became too expensive to handle financially. It's in a gated golf country club and club dues are over $12,000/year. Sure, we could always quit the golf club, but that's been a part of our retired life for nine years. It's very, very hard to give up your friends and neighbors and the life you'd always hoped to attain. We decided to try for more income, after retirement.

The economy, our expenses and the escalating building costs have caused us to delay and possibly cancel several plans to build, possibly forever. I'm not asking for any sympathy--we are simply trying to uphold our standard of living, so, to date, we're just hating to give up what we once had.

Meanwhile, radical loss of IRA and market investment funds have nearly taken us to the brink of having to do something radical for income or simply downsize and move. Suddenly we have had to borrow to keep up to pay our bills. We know we are not alone. We have become in jeopardy of losing our present home, as mortgage payments and other health expense obligations have made it nearly impossible to meet without further borrowing. And borrow we have. Often, our equity second loan has exceeded $70K.

Somehow we got lucky--just to be able to borrow on equity, since our first and second mortgages nearly equal the home's value. Usually, we understand, the banks will simply cancel an equity second mortgage.

We suddenly are not a good candidate for a refinance--necessary as our once ARM low-interest payment has expired and we are now paying over 1K per month more than a newly refinanced payment would be--if only we could secure one. Add to that, we are legitimately deducting realtor expenses and other losses off of our existing pension income, which makes IRS "disposable" income far too low for bank's maximum ratio of income-to-mortgage value.

***** Aha. After investigating the options and new ideas below, we now finally see the light at the end of the tunnel. There is no reason any of what is shown below cannot help you or anyone you know who is having problems meeting their present mortgages or getting a loan modification.

Call me, or simply leave your name, number or e-mail address below in the comment section for your introduction to a custom, free audit of your particular situation. There is nothing to lose and certainly everything to gain if one feels they can benefit with a new loan, often saving your credit, possible foreclosure proceedings and hundreds, if not thousands in mortgage payments.

We are happy to help any who may be in need, as we have been helped, ourselves, to date. Our situation is still ongoing, but we see that "tunnel light." In addition, several of our immediate family and friends have been helped with the features and educational possibilities here.

Your "Forensic Audit" by extremely competent attorneys, who specialize in these problems is free!

Let me explain: The attorneys I will refer you to initially work on contingency basis to evaluate your case (no retainer necessary). You get what is there waiting for you, which makes it possible for you to beat the inevitable--that you could possibly lose your home, your credit or become bankrupt. Read on. This is where I found out about the help we needed:

So, if you are having trouble meeting your mortgage payments these days, you are not alone. But what can you do about it right now?

Please read and send this to your family or friends, who may be experiencing these problems, if it doesn't happen to be affecting you right now. They'll thank you for it.

Or, simply obtain a completely free "forensic audit for you or yours" Here are a few more facts--several you probably have not heard of before:

1. It's more than possible--often probable--that certain attorneys, who specialize in loan modification, can and will find mistakes in your past initial loan application and/or documents--even small mistakes that the bank had you sign before or during closing. When they do find one or more mistakes, a call and a letter puts serious pressure on your bank or finance company to help you right away.

Perhaps your initial mortgage was with a different company and has since been "bought off." It makes no difference--they assumed your parameters. Suddenly, your loan modification goes through much easier and much faster than if you applied yourself. These attorneys know their stuff, believe it.

In some cases, the bank may completely forgive your loan and give you your deed free and clear, rather than fight litigation when they know they've made mistakes. Seems unbelievable--especially when your forensic audit is free and you have nothing whatsoever to lose. Do not get "hung up here" because you are having trouble believing this is true. It is; it has worked often enough to be well- verified. Don't just take my word for it. Do your own due diligence. Call today.

2. Any of the following reasons are acceptable for your chance to get the modification you deserve--often in record time. All of these, below, include a speedy loan modification and/or stopping foreclosure.

You may continue living in your home, if you wish. But if you do wish to move away with no further debt or payments, it may also be negotiated that there will be nothing reported that can hurt your future credit. There is a simple solution to keeping your credit--even improving it! Just ask.

Buy again when and where you wish with no stigma on your credit. You can and will repair anything reported so far, even if you've been late or in foreclosure already.

The many legal provisions and reasons to modify include:

x Missing payments in the past for any reason.

x In pre-foreclosure at this time? This is an easy out for you with no consequences.

x Actual foreclosure proceedings in process? Not really a problem negotiating it away in most cases.

x Simple hardship: job loss, reduced wages, divorce, accident, health problems--virtually any reason that caused or may cause you to fall behind.

x Your house has been on the market for an extended period of time with few or no offers. This may be a very good reason for loan modification--more so than you may have ever guessed.

x Any infraction or violation of bank documents (again, this happens much more often than you can imagine. Your free audit includes this investigation).


3. Second homes and rentals are also candidates for loan modification. This is a recent, additional service with which these lawyers can help.

Again, do you know someone who may need help with any of these situations? Please use the comments section below, bookmark this BLOG as a favorite for yourself and/or forward the URL to any e-mail address. You (or yours) may also phone me at any time (eastern time):

Call Jim, at 415-271-6298 or simply save and send this URL--the exact information your reading here:

www.tinyurl.com/

If you've ever had that wonderful feeling of the weight of the world being lifted from your shoulders, you know how my wife and I are feeling now. The success of loan modification--even staying in a present home--can happen to you, as well, if you need it or want it badly.

Leave your information in the comments below now and I'll get back to you with the info on how to get the attention of those "magical attorneys."

Thanks for reading all this.