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Day: March 29, 2018

Writing a Sample Letter For Loan Modification Application

Are you looking for a sample letter for loan modification application? So are half of the homeowners in the country. The letter you send in with your loan modification application is just as important as the application itself, if not more so. Here is a great sample letter for loan modification application for you to take example from:

Name:

Loan Number:

Address:

Phone Number:

Email Address (if applicable):

To Whom It May Concern:

I’ve sent this letter to you in order to explain my reasons behind requesting a loan modification on my mortgage. Before last year, I had never made a late payment on any of my monthly expenses, but after the death of my husband things have been increasingly difficult to handle. I am requesting an interest reduction down to 6.25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} from my current 8.80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. I feel it is a fair percentage for you, and it is just within my means.

Before my husband passed away, we had both been making more than enough to afford our mortgage. Once our interest rate rose to 10.24{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and we had no difficulty paying it. However, once he passed away I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I’ve run dry and have no other option than to request a manageable, fixed interest rate from you.

Without a reduction on the interest, I will not be able to afford the monthly payments. I have to choose between a loan modification and a foreclosure. I would far prefer the former, and you probably would as well. 6.25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} is the most I will be able to manage, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on the matter.

Sincerely,

Your Name

Notice this sample goes a little in depth about the circumstances of the homeowner seeking loan modification. What’s more, she also has determined her ideal interest rate based on her current income, showing her lender that she is taking the matter very seriously and wants to work with the lender to stay in her home.

While this sample letter for loan modification application is not perfect, it pleads a good case to the lender and puts it all on the table. Your lender needs to know it’s either modification or foreclosure and there is no way around it. They may lose money on a loan modification, but they lose much more on a foreclosure. Get all of your facts, story, and numbers straight and even you can write a compelling hardship letter.…

Home Business – How to Master Life and Work All at Once

They say that money is useless if you have lost every source of happiness in this world for the love of it. You can never buy happiness or fulfillment. But there are actually ways that you can learn how to achieve happiness and success in work and in life, all at the same time!

Here are ways on how to master both life and work without sacrificing one for the other …

First, it should be clear to you that your decisions could actually count against your personal life if you have done so poor in making choices.

For the past years in your career, have you experienced any of these downsides? If your answer is yes, you may actually be experiencing more serious problems that will indeed surface in the later years in your career, which can turn out to be disastrous for most people. Therefore, getting to the core of the problem as early as now will give you more time to think and act.

Similarly, what can be best expected from success stories that we hear online is the fact that they are intended to inspire people and persuade them to act, not tomorrow, but today.

If you happen to be fond of collecting these success stories, you will notice that every story features a unique obstacle, which they have been confronted with in the midst of their successful business lives.

The complications, however, is not the highlight of the story, but it is the point where the person decides to rise and do something with his business ordeal.

It will probably never be easy to sort things out in just one seating, but the inspiration that many people have started to manage both work and personal life positively could really get us somewhere near to making success stories of our own lives. …

A Wedding Can Be Easy With These Tips

A wedding is a very exciting time! However, it may also be a bit demanding to make various appointments around other people’s schedule. Then sometimes, too many choices may make it difficult to make a decision. Just remember to breathe! Use these tips to make your wedding day easier:

When you are planning to tie the knot, pick your bridesmaids in advance. This will help you to take away a lot of the pressure that you will face when you are getting married. Make sure that your picks are very personal to you and are key people in your life.

A wedding is a very special occasion that takes a lot of planning. To have a perfect wedding you need to do your research. Start by talking to other family members that have taken this step and find yourself a decent wedding planner if you require more help. You can have a beautiful wedding, and you can go to find a friend’s help if you want a more subtle wedding.

On the days leading up to your wedding, make sure that your future husband or wife is feeling okay. You will be their biggest supporter and someone to whom they can turn. Reassurance will make them feel great and more comfortable about this huge decision in his/her life. Tell them a few motivational words to help them cope with their stress.

Choose your wedding dress before decide on anything else, including jewelry, shoes, purse, hair or makeup design. Take your time trying on gowns and look around at different venues before making your choice. If you can find what you like online, that will save you a lot of money too!

Get to bed very early on the night before your wedding. This will allow you to be as rested as possible and will help to reduce the levels of stress that you will feel from pure exhaustion. Getting a good night of sleep on the day before your wedding will maximize your experience.

Even if your budget is small, having two photographers at your wedding can catch shots that might be missed otherwise. Consider asking family members to take on the cost as an additional photographer, or even have both photographers be someone you know personally. Free is the best way to go, and they might even give you the end product as a wedding gift.

By not being too nervous, using a clear head and working hard, you can make sure your wedding is as rewarding as possible. Not only are you entering a new chapter into your life story, you’re going to be sharing this with the person you’re decided to share that story with. Congratulations! Enjoy your day!…