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------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/master55.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/slide0001.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" The Truth about Loan Modifications
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CBAgQIAAAQIECBAgQIDAw0vg/wfLLB4wJZYgHAAAAABJRU5ErkJggk== ------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/slide0002.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" The Truth about Loan Modifications
Topics
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žWhat is a Loan Modification
žLoan modification types
žWhy do banks even offer loan modifications
žWhy are banks slow to offer loan modification
žThe loan mod myth – Shared loss
žWays to get a loan modification
žProblems and issues with loan modifications
žOther alternatives and solutions
ž
www.utaht= eam.com  877-898-9502
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zoGIEACIzjkQEQIA0TkHIkIAILryh+I3xsfH/zEEyPT09K/FgggBgA03NTX1bjgHUiwWPxYKIgQA NpyDqCIEAKI7dOjQWxUP0/1MINR4hFy4cOEpAKh3TzzxxFdzudxbo6Oj3x4fH39nz549H+zdu/dD Nt6Xv/zlvz19+vRfJ0QIAE3l7Nmz/7VYLN5MAiSbzX7ngQceeF8c1EGEfPWrX50BAFgPa4qQtfzF AADr5T8ARhI1SU1g7RkAAAAASUVORK5CYIJ= ------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/slide0003.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" The Truth about Loan Modifications
What is a Loan Mod?
=
&#= 158;A Loan Modification, also known as loan restructur= ing or mortgage modification. =
= = 51;It is a change in one or more of the terms of a ho= me loan
= 51;The loan can be reinstated resulting in a lower pa= yment that the borrower can affor= d.
&#= 158;There different ways to go about this.
&#= 158;Straight Capitalization
= 51;With this type of loan modification, any back inte= rest is added back with the loan principal.  The new loan balance is amortized under the same conditions and loan terms of the current mortgage.  With this typ= e of loan modification the payments are actually higher than the original loan, so this type of loan modification is used t= o bring any delinquent interest current.  In order to qualify for a straight capitalizati= on loan modification the borrower would have to pr= ove that they would be able meet the higher monthly payments. <= /i>
&#= 158;Loan Modification with Term Extension =
= 51;Allowing the borrower to skip a few payments by pl= acing them at the end of the loan.
= 51;Make the loan term longer allowing the borrower sl= ightly lower payments.
—
www.utaht= eam.com  877-898-9502
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Loan M= od Types
=
žStep Rate Loan Modification
—Interest rate is adjusted instead of the term length to make the monthly pa= yments more affordable.  A step = rate drops the interest rate by up to 3% for the first year and then rises back up until it returns to the ori= ginal interest rate.  A step rate loan modification gives a borrower in financial hardshi= p some short-term relief by reduc= ing the monthly payments for a few years.
žReduced Rate Loan Modification
—With a reduced rate loan modification the interest= rate is lowered for the life of the loan rather than just temporarily like the step rate loan modification.
žReduced Principle Loan Modification
—In a select few isolated cases the loan amount is reduced in order lo= wer borrowers payments.
ž
www.utaht= eam.com  877-898-9502
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Why do Banks offer Loan Modifications?
=
žWhy Would My Bank Offer Me a Loan Modification?
—Regardless of all the negative talk on the news, banks don’t actually like to foreclose on people’s homes. Banks are in business to make a profit on the money they allowe= d you to borrow. They’re not in bu= siness to sell real estate. This means that they actually make more money by charging you interest = for as long as possible rather t= han paying for the associated legal co= sts of trying to foreclose on a house that they’ll then need to sell at a loss in order to get a portion of their own money back.= 3;
—Obviously it’s in their own interests to try and h= elp you to get yourself back on y= our feet financially so you can continue to keep making your mortgage repayments so they can keep m= aking a profit …… or so it seems= ?
ž
www.utaht= eam.com  877-898-9502
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= Then why are banks slow to offer loan modifications?
=
=
žWhy do you think that the banks are dragging their feet? =
žH= ere’s the shocking secret – it’s called a “Shared-Loss” agreement. This <= /span>agreement is with the FDIC, the Government insurer= . The FDIC has this same agreement with around 50 banks. A couple of years ago a bank would do anything rather than get a foreclosed pro= perty back. Why now do th= ey want them back?
ž“= Shared-Loss” agreement with the FDIC, they now make a profit on every foreclosure they get back. IndyMac’s, and Onewest’s agreement can be found at: http://ww= w.fdic.gov/about/freedom/IndyMacSharedLossAgrmt.pdf.
www.utaht= eam.com  877-898-9502
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How Shared loss works
=
=
žH= ere is an example from a One West/IndyMac foreclosure: One West would purchase the first mortgage for 70 percent and the= line of credit for 58 percen= t. However, in the event that IndyMac gets the foreclosed property back, the FDIC covers approximately 80 to 95 perce= nt of the loss, using the origin= al loan amount, not what is currently owed. Many times this means they will make a profit of tens of thousands of do= llars on an average forecl= osed home. IndyMac/One West does not modify mortgages for this reason, but they also don’t come right out and say= it. Also it is important to know that OneWest was created solely for the purpose of absorbing IndyMac. One of the partners, George Soros, was a = major supporter of Barack Obama.
žL= ink to visual presentation: http:/= /www.thinkbigworksmall.com/mypage/archive/1/29027
www.utaht= eam.com  877-898-9502
------=_NextPart_01CAAE20.F4C94CA0 Content-Location: file:///C:/2F5C5D73/LoanModificationsthetruths_files/slide0008.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" The Truth about Loan Modifications
Way to get a loan modification
=
žDo it yourself
—Go through the lender direct
žEngage a non profit agency
—Usually a counseling agency used for guiding you.
žHire a for profit Agency
—Usually an Attorney
—Can be expensive
—
www.utaht= eam.com  877-898-9502
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Problems and issues with Loan Modifications
=
žU= sually if you start a loan modification close to the foreclosure date it will still go to foreclosure&#= 13;
žA= ccording to a recent study(1), mortgage renegotiations were found to be rare
—On= ly 3% of serious delinquent borrowers received a concessionary modification in the year following their first ser= ious delinquency
—Fewer than 8% received any type of modification
žThese numbers are extremely low, Considering
—Foreclosures initiated on more that half
—Foreclosures completed on almost 30% of delinquent borrowers
(1)“Why  Don’t lenders renegotiate more home mortgages” By the Federal Reserve Bank of Boston
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Loan Modification Troubles=
=
žHome owners are battling with lenders to keep their homes despite the “= Making Home Affordable Plan”
žLoan modifications are not homeowner friendly
—Homeowners often wait 6 months to find out if their loan modification even goes through
—Ending up speaking with multiple people being transferred to different departments and receiving conflicting informatio= n
www.utaht= eam.com  877-898-9502
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Loan modifications not working
=
=
žAccording to a recent report(1)
žAt least 57% of Homeowners whose loans were modified missed= at least on payment in the nine months after modification
ž35% missed at least 3 payments
žAn increasing number of Homeowners are defaulting on their lo= ans even before they make a payment
(1)Office of Thrift supervision in the Washington post
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Modifications Are Just Band Aids
=
&#= 158;Majority of mods are just temporary fixes
= 51;Sometimes loan modifications just  delay the foreclosure process
= 51;The end result is the homeowners still can not afford the payments and they lose their homes in the end
&#= 158;The real problem
= 51;Borrowers were put into loans that they were never going to be able to afford
= 51;Now they are paying on an asset that is worth far less than owed
&= #158;
www.utaht= eam.com  877-898-9502
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www. Utahteam.com
=
žWe specialize in Sho= rt sales
žWe can ass= ist you with your loan modification during the short sale <= /span>process
—Many times = the short sale will prompt the bank to process the loan modification
—Most times = the loan modification will be offered at or near your short sale closing.
—Short sales will be a lower credit risk
—Short sale = will postpone foreclosure
www.utaht= eam.com  877-898-9502
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= ;
= 2/15/2010
Click to edit Master text styles
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