No One Should Ever Lose Their House
No one in America should ever lose their house to foreclosure!
(What you're about to read applies to churches also)
WHY?
The Federal Government has established about 15 different programs, plus many states have their own programs, that allow loans to be modified regardless of credit scores, present employment status or payment status on your home (e.g. you may be past due or current).
At one time over 500,000 homes per month were being foreclosed, and the government understood that this could lead to a “Great Recession”. Thus, they have been very aggressive in helping homeowners avoid foreclosure. AGAIN, NO ONE IN AMERICA SHOULD LOSE THEIR HOUSE TO FORECLOSURE!
About Loan Modifications:
Homeowners who are struggling (you may be current) to make their monthly mortgage payment, or are no longer able to make their payment may qualify for a loan modification. The purpose of a loan modification is to re-evaluate the loan and to change or modify the existing loan terms (e.g. interest rates can be reduced as low as 1% FIXED) based on current homeowner affordability. Most programs are NOT BASED ON YOUR CREDIT SCORES!
Here are some of the program guidelines: Borrowers’ existing mortgage payments are modified so the monthly payment does not exceed 31% of their income. Modification programs can include either a reduction in the loan interest rate, extension of the repayment period (also called a forbearance program), deferred mortgage payments or even partial forgiveness of the principal balance. The 31% income guideline applies to the primary (first) mortgage.
Example:
You used to earn $5,000 (Gross)/month
House Payment $1,500
Current Income $3,000 (Gross)
Program % X 31%
Projected New Payment $930 (including escrow-taxes & insurance)
Saving $570/month
If you are behind on your payment or facing foreclosure…READ THIS!
If you are behind on your house payments or facing foreclosure, we can potentially stop the foreclosure and create a plan that provides permanent solutions. These same plans apply to you!
What makes DFT’s Loan Modification program different?
We have Certified Housing Counselors who provide you with the following benefits:
- They have been trained by HUD who was instrumental in creating the
Loan Modification Program.
- Certified Housing Counselors are able to speak directly to the Underwriters
or the decision-makers who approve the modification. Consumers are
only allowed to speak to collectors or customer service agents.
- Our Certified Housing Counselors are paid by you & not the government or the lending institutions thereby we have the ability to negotiate the best possible modification for you & not just what's best for the lender.
- Our Certified Housing Counselors will assist you in bringing order to your
personal finances, thereby helping to minimize future hardships.
- Our Certified Housing Counselors understand the rules and laws required to
get your modification approved quickly; therefore, will properly prepare
your loan modification package for the lender’s Underwriters.
- DFT will provide continual financial education & strategies to help you create money(e.g. DFT's Free Affiliate Program) so that you never have to travel this road again!
BONUS
- Our Attorney, through our Debt Negotiator Program, will provide a FREE consultation to you concerning your unsecured debt.Their goal is to reduce your unsecured debt and payments up to 50% with 0% interest on these debts!
Imagine reducing your mortgage $400+/mo & your unsecured debts $300/mo. Total debt reduction=$700/mo. It's Possible!
How to Qualify:
Each program is individualized based on need. To find out if you qualify for loan modification, email us at CSSC@MyDFT.com or call us at 336.272.7373 and a qualified counselor will contact you shortly to discuss your options.
Please keep in mind that each application is reviewed on a case-by-case basis. Your eligibility will be determined once your application has been submitted and your counselor contacts you to discuss your options.
DFT knows that every problem has a solution!
Email or call us right now!
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Debt Negotiation
Our team of attorneys can reduce your unsecured debt and payments up to 50%, eliminate interest and pay off all unsecured debt in 24-36 months. They stop all the harassing creditors’ calls and provide free consultations. Most people have saved over $50,000 (including principle and interest), reduced their monthly payments about $250/month, and eliminated debt about 7 years sooner. For your free consultation, call (336.272.7373) today!
TOTAL SAVINGS OF $76,593
Legacy4Life(Charitable Giving Program)
Would you like to financially bless your church or favorite charity and leave your family a larger inheritance without any out of pocket cost to you?
Many Churches and Charities are facing the same challenges. . .
- Struggling just to pay weekly bills
- Limited financial resources for “needed” additional staff
- Building projects underfunded
- Inadequate Pastoral care and retirement
- No cash reserves
- Church debt
- Lack of funds for Missions
Which one(s) are affecting your church or charity?
We can show you a program that will generate funding for your church in 3 ways:
1)Immediate Love Offering- giving you hundreds and possibly thousands of dollars to your church immediately
2)Annual Love Offering- giving you hundreds and possibly thousands of dollars to your church “every year”
3)Build Large Endowments for your church’s future- giving you thousands of dollars to use for your church in the future
- We are not Insurance Agents, Tax Professionals, or Attorneys…We are Messengers with Legacy 4 Life
- Warren Financial Services, with Brad Warren, they are the Insurance Agents
Contact us at 336.272.7373 or email us at CSSC@MyDFT.com to learn how you can bless both your church (or favorite charity) and family without any out of pocket cost to you!
