Attn: Struggling Homeowners

If You’ve Got Just 60 Minutes, I Can Show You How to Modify your Mortgage down to 4-5.125%, Knock 5-6 Figures off your Total Loan Expense, and Lower your Monthly Payment by 19-41%… guaranteed!

Dear Homeowner,

If you’re struggling to pay your mortgage – or if your mortgage terms are just plain lousy – then sit down and listen up because I’m going to teach you the fastest, simplest way to fix your screwed up mortgage right now.

All loan types are currently being approved for modifications including:

• Negative Amortization Loans
• Adjustable Rate Mortgages (ARMS)
• Fixed Rate Loans
• 1^st, 2^nd and even 3^rd mortgages
• Investment, vacation, and rental properties

I’m talking about saving your home here!

My name is Mike Rockwood, and in 2008, I nearly lost all 5 of my homes to foreclosure. The bad economy combined with my bad loans made it impossible for me to keep making my payments each month.

I’m sure you know the feeling…

When the 1^st of the month came around, I literally felt sick with anxiety. My homes are my one and only foothold on the American Dream—and I thought I was going to lose everything just because the real estate market went sour.

Here’s Why I’m Telling You All This…

Just before I defaulted on my loans, by chance, I was invited to mortgage modification weekend workshop where I learned there was still hope—a lot of hope actually!

My wake-up call: I’d heard the term “mortgage modification” before, but I always assumed it was expensive, complicated, and difficult (like everything else that has to do with real estate).

Boy, was I wrong!

Here’s the truth: loan modifications are the fastest, cheapest, and easiest way to fix you mortgage problems—and nearly everyone qualifies! Let me be clear here… this is NOT a refinance, this is NOT a short sale, foreclosure, or bankruptcy.

Take a Look My Personal Loan Mod Successes
(on my own homes)…

My Indy Mac Loan Modification:
Before: 6.5% fixed (not bad… but not good enough)
After: 5.125% fixed
Monthly Savings: $638 (and $199K over life of loan)
*primary residence

My Wells Fargo Loan Modification:
Before: 6.5% fixed
After: 4.5% fixed
Monthly Savings: $262
*2nd mortgage

My Litton Loan Services Loan Modification:

Before: 7.35% fixed

After: 7% fixed

Monthly Savings: $140 ($27K over life of loan)

*Rental property

My 2nd Litton Loan Modification:

Before: 12.5% fixed

After: 7.0% fixed

Monthly Savings: $95 ($12K total over life of loan)

*Rental property

*PLUS I reduced my principal by 20%

My National City Modification

Before: 9.343% fixed

After: 1.0% fixed for 18 months

Monthly Savings: $782 (49% reduction!)

*2nd mortgage on primary residence

**saving nearly $10K/year

***30-year mod in progress now

“Loan Modification Does Not Have
to Ruin Your Credit!”

You don’t need a lawyer and you don’t need $1000’s of dollars… all you need is to get your story straight and submit a well-organized application to your lender requesting a reduction in payment.

Here’s where I come in: you need your application done right the first time, otherwise you risk rejection and you might even lose your home—so don’t even think about doing this without the proper tools and support!

I’ve done this for myself 6 times now, and hundreds of times for my clients, so I know with certainly that I can help you make your loan modification application perfect—and get the absolute best possible deal.

Why trust me? In the process of saving my own homes, I became a leading authority on mortgage modification. Perhaps you’ve heard me on the radio or read articles about me in the newspaper.

Here’s what makes the 60-Minute Loan Modification so unique and why it’s created such a buzz:

• It’s Fast – My last loan modification application took just 25 minutes (avg. is 60 minutes) and I secured a 1% fixed rate for 18 months.
• It’s Cheap – Loan modification firms (often illegally) are charging $3,500-5,500 for filling out some forms and calling your lender… ridiculous! My system is more effective and keeps that cash where it belongs—in your pocket!Plus, you’re results are 100% guaranteed so there’s no risk to you at all.
• I’m a Real Person – Most people in the mortgage modification business are vultures preying on other people’s misfortunes. In many cases, the same mortgage brokers who sold us these crappy loans in the first place are now trying to overcharge you and me for “loan modification services.” What a sham!I speak with all my clients personally both in one-on-one calls as well as 2x/week on our teleconferences. I’m a real guy with real mortgage problems just like you—but I found a way out!When you work with me, there is no giant corporate structure, no hiding behind company logos or disclaimers… we offer full disclosure to our clients and are here to support you every step of the way

UNDERSTAND THIS: “Loan Modifications
are Win-Win For Everyone”

Informed homeowners are playing hardball with their banks and getting amazing results (uh… 4.5% interest rate anyone?). And remember, with loan modifications done right, both you and the bank will walk away happy.

It’s a win-win proposition.

Can Banks Really Just Give Away Money?

It’s hard to believe but it’s true… I’ll save $493K over the life of my loans simply because I lowered my rates. Here’s just a couple places where the money is coming from:

• Dec 26, 2008: Hope Now (a lender alliance) announces its plans to double the number of loan modifications granted in 2009 and save 2.2 million homes from foreclosure with as much as $300 billion in government subsidies
• Oct 31, 2008: Chase announces plans to modify $110 billion in home loans
• Oct 6, 2008: Bank of America (who took over Countrywide) announced it’ll dish out $8.4 billion in interest rate and principal reduction for homeowners
• March 9, 2009: President Obama rlls-out the Making Homes Affordable Program and it becomes the de facto standard for all modifications.

And those are just a few BIG examples… loan modifications are being approved right now by every single mortgage lender nationwide… so the questions is, do you want to participate or not?

Here’s the way I see it:

Wall Street already got their bailout (to the tune of $2 trillion!), and loan modifications are now bailing out average people like you and me on Main Street – but it’s not going to last forever!

Why You MUST Do Your Loan
Modification Yourself

Don’t be fooled! Before I decided to do my loan modification myself, I almost hired a so-called “loan mod consultant…” but thank goodness, I learned the truth first!

Here are the scary facts of loan mod firms:

• Many loan modification firms were started by subprime mortgage brokers who were out of work.These hucksters know very well that they’ve only got 6-12 months before banks stop accepting loan modification requests, so their goal is to get as many customers (and as much money) as they can right now.They’ll often charge a ridiculous $3,500-4,500, and once they’ve got your money, their focus is on getting more customers, not servicing their existing ones.
• On the rare occasion when a loan modification firm is successful, they almost always accept the first offer the bank suggests—this is crazy! The bank’s first offer is almost never their best offer, so even if you do get your loan modified, you could still be getting screwed long-term.
• Loan modification firms use cookie-cutter template letters and legal speak that sends up red flags at many banks. Remember, your lender is under tremendous pressure from the government and the media to help individuals like you, not fast-talking lawyers or consultants.
• In California, there are currently only 14 certified loan modification consultants yet over 1,000 companies offering loan modification services-do
  the math.
• Most firms are operating illegally in California, and
  the same is true in every other state as well.

Not Sure If You Qualify?

Crazy but true: more people qualify than don’t for loan modifications. As long as you can demonstrate some real financial hardship and a real risk of defaulting on your loan, there’s an excellent chance you can knock 5 or even 6 figures off your total mortgage expense and whack a huge chunk off your monthly payment-simply by asking the right questions!

Basic Loan Modification Qualifications:

• Must have a real hardship
  (loss of income, death in family, etc)
• Must have a debt-to-income ratio of 31-50%
  (but as high as 79% are still approved)
• Must have a loan that is at least 9-12 months old
• Must have an income source that can reliably & realistically allow you to make modified payments (if you’re unemployed, you’re in trouble)

So why isn’t everyone doing this?

They are! Your bank gets hundreds of loan modification applications every single day. Normally this would be a problem, but since most requests come from idiot lawyers and other hacks trying to cash in others’ hardships, it’s incredibly easy as a homeowner applying on their own (with my insider strategies) to stand out and get your loan modification approved quickly…

… you just need to understand the process!

With 6 successful modifications under belt (including loans that I was told were impossible to modify), I know exactly how this works. I even know a simple trick that makes it illegal (yes, that’s right, illegal) for your lender to ignore your application.

How the 60-Minute Loan Modification
System Works

STEP 1: Order my 60-Minute Loan Modification Kit below (at $109, this is the greatest bargain you’ll find anywhere)

STEP 2:  Take 60 minutes to complete your application and then put it in the mail!

Save Your Home Today!

Most struggling homeowners go through a huge denial—I know I did! This is so embarrassing… I actually felt guilty for asking my bank to modify my loan.

How crazy is that?

I figured I messed up so I was to blame. Now, I know how ridiculous that is. Firstly, my bank is just as much to blame as me, and secondly, it just plain doesn’t matter!

This housing crisis is affecting everyone, so modifying an upside down, crazy mortgage is not just reasonable—it’s actually the responsible thing to do.

Doing nothing, missing payments, and pulling your hair out trying to make ends meet is downright reckless by anyone’s standards!

So here’s the scoop:

A year ago, most people had never even heard of loan modifications, and now they’re featured on the news almost every night! Thanks to our tax dollars subsidizing the big banks, you and I (average people) have a chance to get bailed out too—but it won’t last forever!

The 60-Minute Loan Modification Kit “Save Your Home Now!”

60-Minute Loan Modification Workbook (Retail: $79.95 save 39%) If you’re like me, the last thing you want to do is read some textbook, so I’ve organized my guide so that you can fly through it, reading only the sections that pertain to your particular situation. This way, you can crank out a killer application in the shortest possible time with all the facts you need on reference should the need arise.You’ll Learn: How to get your entire loan modification application done in 60 minutes How I negotiated a 3-month grace period where I didn’t have to pay anything with no penalties and all missed payments forgiven (pg. 23) How to write a bullet-proof hardship letter in 10 minutes flat (pg. 73) Automated follow-up secretsso you don’t have to waste hours on the phone waiting for your lender to respond. A powerful handwritten letter trick that gets me callbacks 75% of the time while most people get only a 10% response (pg. 57) Negotiating tips for people who HATE negotiating… learn exactly what to say when your lender calls with an offer (pg. 35) How I modified 4 rental properties (pg. 45) My Black Belt Loan Mod Resources CD (Retail: $49.95 save 39%) Pop this CD into your computer and you can churn out your expense sheets, fax follow-ups, hardship letters, and application forms in minutes. This is a plug-n-play resource requires NO computer skills what-so-ever. You’ll Get: Quick-start video leads you step-by-step showing you EXACTLY how to complete each form perfectly – and FAST! Contact info for every major U.S. lender Microsoft Word, Excel, and, .txt files for hardship letters, expense sheets, and application forms PC & Mac compatible ZERO computer skills required (I’m a totally computer dunce… so don’t worry!) Bonus AUDIO version of the my workbook included so you can listen in your car or on your iPod Loan Mod Negotiating Secrets: “The Phone Tap Sessions” (Retail: $49.95 save 39%) The is one of my most-sought tools because it allows you to listen in on real conversations with lenders and borrowers so you can hear exactly what you should and should not say to ensure you end up with a sweet deal. Remember, the first offer your bank makes is never the best offer, so this disk alone can save you thousands. Includes: Real phone conversations with lenders, and borrows including Wells Fargo, IndyMac, Litton, and more! “Model” calls for fast responses Simple tricks to beat the bank Bonus audio book version of my 60-Minute Loan Modification Workbook Normal Price: $618.85 One Easy Payment of $109 FREE! Express 3-day Shipping Includes 100%, 365-Day Guarantee PLUS everything listed below…

BUT WAIT! There’s more…

- Amazing FREE Bonus 6 - Mia’s Home – A Children’s Book About Tough Economic Times (Retail: $14.95 Yours FREE!)This adorable book makes it easy for parents to teach their kids (or grandkids) what’s going on with the economy and how it’s affecting their home. Beautifully written by Ryan Rockwood                             with illustrations by Casson Demmon.

Normal Price: $618.85One Easy Payment of $109 FREE! Express 3-day ShippingIncludes 100%, 365-Day Guarantee PLUS everything listed below…

My Iron-Glad, 365-Day…100% GUARANTEE If for any reason (or absolutely no reason at all) you’re unhappy with the 60-Minute Loan Modification, I absolutely insist that you send it back at any time within 365 days for a 100% hassle-free refund that will be processed immediately with no catch and no fine print.And this is even better…My “I’m So Sure This Works…” 200% GUARANTEE  My ultimate goal is to help as many people as I can successfully save their homes and renegotiate killer mortgages.My 60-Minute Loan Modification kit is responsible for saving hundreds of homes (including 5 of my own) and millions of dollars in assets, so I can now make an extremely bold promise to you…Purchase my kit today, follow my simple, 3-step process (apply, follow-up, negotiate), and if for some wacky, crazy reason you don’t save at least 7x the cost of your purchase in the first 365 days alone, I absolutely insist that you return your kit for a 200% refund. How can I offer this? It’s simple. The 60-Minute Loan Modification system works.

How the 60-Minute Loan Modification
System Works

STEP 1: Order my 60-Minute Loan Modification Kit below (at $147, this is the greatest bargain you’ll find anywhere)

STEP 2: Take 60 minutes to complete your application and then put it in the mail!

Do Not Hesitate—Modify Today!

The government subsidies will dry up. The real estate market will rebound, and within 6-12 months, loan modifications will be ancient history… so act fast, my friend!

In these tough economic times, there are just two types of people:

First, there are those that take action, seize opportunity, and strategically position themselves for future success even when today, things might look a bit grim. The second type are those that complain, play the blame game, and cry “victim” every time they hit a speed bump.

I’ll admit, I used to be in the second group, the whiners, but since I’ve wised up, 2009 is now slated to be one of my best years ever.

Follow my system. Modify your loan. Slash your monthly payments and “fix” your screwed up mortgage… start right now by ordering my 60-Minute Loan Modification Kit.

To your success,

Mike Rockwood
Loan Modification Expert Author

p.s. My only regret is that I spent about 6 months getting ready to modify my first loan… trying to figure out if it was the best solution… trying to figure out how to do it.

I was stupid. My hesitation cost me upwards of $10,000 in payments I could have avoided simply by modifying sooner. Learn from my mistakes, leverage my turn-key resources, and take action now.

p.p.s. Btw, this is 100% RISK FREE because of my iron-glad, 365-day, 100% and 200% guarantees. I risk everything, you risk nothing. I’m absolutely certain I can help you, but you’ve got to take the first step. See you on the inside! ORDER NOW

My Iron-Glad, 365-Day…100% GUARANTEE
If for any reason (or absolutely no reason at all) you’re unhappy with the 60-Minute Loan Modification, I absolutely insist that you send it back at any time within 365 days for a 100% hassle-free refund that will be processed immediately with no catch and no fine print.

And this is even better…

My “I’m So Sure This Works…” 200% GUARANTEE

 My ultimate goal is to help as many people as I can successfully save their homes and renegotiate killer mortgages.

My 60-Minute Loan Modification kit is responsible for saving hundreds of homes (including 5 of my own) and millions of dollars in assets, so I can now make an extremely bold promise to you…

Purchase my kit today, follow my simple, 3-step process (apply, follow-up, negotiate), and if for some wacky, crazy reason you don’t save at least 7x the cost of your purchase in the first 365 days alone, I absolutely insist that you return your kit for a 200% refund. How can I offer this? It’s simple. The 60-Minute Loan Modification system works.

The 60-Minute Loan Modification Kit

Normal Price: $618.85One Easy Payment of $109 FREE! Express 3-day Shipping Includes 100%, 365-Day Guarantee