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Chapter One

What is a Mortgage Modification?

Thank you for purchasing our Easy Do It Yourself Mortgage Modification Guide. We have invested many hours and tapped into the leading experts in the field to create this “one of a kind” program.

Since you purchased a kit, we assume that you are pretty familiar with what a mortgage modification is. In short, a mortgage modification is any change to your original mortgage terms after you closed on your mortgage.

For example, you purchased a home back in 2007. Your original rate is 7%, your original principle loan amount was $100,000 and your principle and interest mortgage payment is $665.30 on at 30 year mortgage.

Now, your lender agrees to change the original terms. They drop your rate to 5%; your current principle loan balance is $94,000; so your new principle and interest mortgage payment is $504.61 amortized over 30 years.

Most mortgage modifications are completed by the lender for clients that are delinquent on their mortgage payments. However, customers that are current on their mortgage are also eligible for a mortgage modification.

For years, lenders have had mortgage modification programs, but many of these programs were not made known to their clients nor the public.

In light of the dramatic drop in real estate values; the implosion of the mortgage market and the number of delinquent mortgages held by traditional banks, investment banks, mortgage lenders and mortgage servicers; now, more than ever, mortgage holders are looking at ways to eliminate delinquency and decrease foreclosures. Thus, more and more lenders are willing to use mortgage modifications as a viable loss mitigation solution.

By using this manual and all the provided legal documents, you can negotiate with your mortgage lender to get them to reduce your interest rate; reduce your payment; increase you loan term and in some instances, reduce your mortgage balance.

These techniques can be used on your 1st and 2nd mortgage liens. Just follow our prescribed steps, and you can obtain a satisfactory mortgage modification.

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Chapter two

Why Do It Yourself?

Why pay a loss mitigation company, a foreclosure prevention organization and/or a law firm $1,500, $3,000 or even $5,000 to negotiate a mortgage modification when you can do it yourself?

Your lender and the federal government are urging you to not pay a fee for mortgage modification services.

On top of this, many of these companies are “fly by night” organizations that are trying to “cash in” on unsuspecting individuals. They want to use your “hardship” and/or your “misfortune” for their benefit. These predators will stop at nothing to get money out of you. They will collect an astronomical fee, and do absolutely nothing for you.

Conversely, there are some reputable loss mitigation / mortgage modification companies and law firms that will actually work on your behalf, but why pay the exorbitant fee when you can do the exact same thing for next to nothing?

Most loan modification services are overpriced, very slow, and unfortunately, not always effective. Putting your trust in these companies is leaving your future financial security in their hands. Why put your financial situation in the hands of complete strangers?

Being in control of your own financial situation is invaluable. It is a fact, most mortgage modification companies and law firms do not get the results that YOU can on your own. Who knows your financial situation better than you do?

Ask yourself an honest question: Who cares more about your home than you? No one! In this light, who do you want to put in charge of your mortgage modification?

You can spend thousands of dollars and months of time waiting for someone else to get you a modification, or if you have the right tools, you can do this on your own. Using our system, you can successfully modify your own loan quicker, more effectively and at a fraction of the cost.

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Chapter three

Why Use Our Services?

As the old saying goes, “knowledge is power”. Would you try to fix your car without reading the repair manual? Would you try to teach a chemistry class without studying the material?

The same is true for mortgage modifications. You can do it on your own, but without the proper guidance and knowledge, you are shooting in the dark.

Under the “Making Home Affordable Plan”, the federal government urges consumers to contact their mortgage company directly. In theory, this sounds good. One just calls up their lender; provides them some financial documents and eureka, you have a loan modification.

In reality, this is the furthest from the truth. Tami Luhby, Senior Writer from, wrote, “Only a tiny percentage of troubled homeowners have received permanent modifications under President Obama’s foreclosure prevention plan, raising concerns about the effectiveness of the $75 billion effort. Fewer than 5% of the trial modifications on loans owned or guaranteed by Freddie Mac were converted to long-term adjustments as of September 30, 2009, according to the mortgage giant.”

The fact of the matter is that your mortgage lender is not your friend. They say they will help you, but all they are really doing is trying to collect a payment from you.

They don’t really want to lower your interest rate or lower your payment. This is lost revenue to them. Even under the government backed plan (they get a $1,000-$1,500 subsidy for modifying you), they just don’t want to give you a mortgage modification. You maybe asking yourself why?

First and foremost, your mortgage lender wants to collect the principle they loaned you with interest. If they can’t collect a payment, they are losing money.

Secondly, financial institutions do not look at you as a person. They look at you as a number. Each and every customer is looked at as profit to be made. Whether it is getting you to sign up for a credit card, an automobile loan or a mortgage, your only value to your bank / lender is the amount of money they will make off of you.

Third of all, financial institution brain trusts think much differently than you or I do. They are educated and trained to focus on processes and procedures. They don’t like to think out of the box.

Copyright 2009 Thornhill Financial Group, Inc.

For example, a client owes $150,000 on a mortgage. They are six months behind due to being laid off from their manufacturing job. They have always paid on time and only got behind due to this hardship. This customer has found a new job but it pays only 2/3rds of what their original position paid. They want to stay in their home, but they need assistance from their mortgage lender.

The lender can do the logical thing and modify the client’s mortgage. They can reduce their interest rate; reduce their payment and put the six months delinquent payments on the back of the loan. This client then gets a fresh start; keep their home and start making payments on this debt. This should be a Win/Win for the customer and the bank.

Needless to say, the brain trusts at the bank don’t see it this way. They see the client as a liability and a problem. After any mortgage is three months delinquent, this financial institution always forecloses. Since this is bank policy, they do not even entertain the idea of providing this long time customer mortgage relief.

This is the exact thinking that you are up against when attempting to obtain a mortgage modification on your own. The lender does not see you as “good customer” or a “person”. They see you as an asset or a liability.

This is why the “do it yourselfer” needs our assistance. We have a knowledgeable staff full of loss mitigation specialists and a network of real estate attorneys that have worked for the big lenders. All of us have been on the inside and we understand your mortgage lender’s processes for loss mitigation, mortgage modification, and foreclosure prevention. Our Easy Do It Yourself Mortgage Modification Guide is the oldest product of its’ kind still being used throughout the United States.

Thornhill Financial Group, Inc. has been in business since April of 2005. We are mortgage brokers by trade. Our management team has over 50+ years in the mortgage industry. Even with the downturn in the real estate market and the economy, we are still going strong.

In August of 2008, Thornhill Financial Group, Inc. collaborated with Best Home Loan, Inc. to merge our loss mitigation / mortgage modification divisions. We had so many past and current clients that needed mortgage modification / foreclosure prevention services. Due to these overwhelming requests, we went ahead and started assisting our clients with loss mitigation services. We hired a full time attorney and developed a full proof loan modification program that we would now like to share with you.

Basically, we offered our modification services at a fraction of the cost that other loan modification companies and law firms charged. We did this because we did not and do not want to see anyone lose their home. The “American Dream” is based on homeownership and we don’t want this dream to die. We know that most Americans are

Copyright 2009 Thornhill Financial Group, Inc.

hard working, freedom loving individuals that are now struggling to make ends meet. We want to help you stay in your home.

The dirty little secret about mortgage modifications is that your lender holds all the cards. They will have you fill out a mountain of paperwork only to turn you down. They have internal criteria that must be met, and they do not share this information with their clients nor the general public.

If you do not fill out your modification paperwork properly, you will not get a mortgage modification. If you do not meet your lender’s internal income and liability guidelines, you will not get modified.

Our Easy Do It Yourself Modification Guide shares all this secret information with you. Since we hired a staff full of loss mitigation specialists, we have the inside information and we are willing to share it with you.

In the next few chapters, we will walk you step by step through the mortgage modification process. By following our program, you will have a much greater chance at obtaining a successful and satisfactory mortgage modification the first time.

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Chapter four

How To Obtain A Mortgage Modification?

In order to obtain a successful mortgage modification, you must follow certain steps and procedures.

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Chapter five

Examples of Hardship Letters.

This chapter contains examples of “hardship letters”. This document might be the most important part of your mortgage modification request.

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Chapter six

Examples of Letters to Governmental Agencies.

As addressed in Step 11, you might need to contact various governmental agencies for assistance with your mortgage modification request.

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Chapter seven

Answering a Foreclosure.

In most states if you are over 90 days behind on your mortgage, your lender can start the foreclosure process.

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Chapter eight

Customer Help Line.

There are a few differences between our Easy Do It Yourself Mortgage Modification Guide and the others.

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Chapter nine

Testimonials and Results.

Vera C. from Jacksonville, Florida said, “I can’t believe how simple this was. I purchased this guide; followed the directions and four months later, I had dropped my rate by over 3% and reduced my payment by $532 per month. Thank you, Thornhill Financial Group, Inc. You guys are the BEST!!”

Barbara S. from Santa Barbara, California wrote, “My husband and I were at our wits end. We had tried to get a mortgage modification on our own for a year and a half. We were about a month away from losing our home in the foreclosure auction. We spoke with your staff; purchased your program, and on our own, we were able to stop our foreclosure; get the foreclosure sale cancelled and got a mortgage modification. Your Easy Do It Yourself Loan Modification System is a Godsend.”

Steve M. from Waco, Texas stated, “This program was easy and precise. I followed your ‘step by step’ process and I too received a mortgage modification in under three months. My lender reduced my rate by 3.45% saving me over $894 per month. I would recommend your program to everyone.”

Jose S. from Miami, Florida wrote, “ Your Easy Do It Yourself Mortgage Modification Guide is so easy a cave…….No, I don’t want to get you guys in trouble with that big insurance company, but really, anyone can do this. In short, your system and help line was a life saver. You helped save my home, my credit, my finances and my marriage.”

Kendrick C. from New York, New York said, “ I am a litigation attorney, and I was skeptical at first. I stumbled on your web site, and purchased your kit. Worst case scenario, I was only going to be out $259. After using your program, I am convinced that you guys should be selling this for $5,000. I got BOA mortgage to reduce my rate from 8.6% to 3.99% and this saved my home from going into foreclosure.”

Jake P. from Portland, Oregon wrote, “Thank you, thank you and thank you. Please pass along my kudos to your entire organization. I used the kit and two months later, I obtained great mortgage modifications on not one, but both my properties. Since then, I have purchased another kit for my brother to use.”

Norma R. from Jacksonville, Florida stated, “Randy and Jeff, you guys mean the world to me. Being permanently disabled and home bound, I did not know if I could do this on my own. Well, you made a believer out of me. Not only did I get my mortgage rate dropped from 9.54% to 4.275%, the lender also reduced my loan balance from $137,500 to $99,000. On top of this, my confidence has soared. This is the greatest accomplishment that I have attained in 10+ years. I know if I can do it, anybody can. I hand out your business cards to people on a daily basis. Once again, thank you and God Bless.”

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Chapter ten

Forms and Contact Numbers.

Attached are the forms that you are going to use to apply for your mortgage modification.

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