Thanks to ucanbeatthebanks.com I was able to save my home in three short months! I was struggling to make ends meet and couldn´t afford the $3500 upfront fee a loan modification company was asking for. So I decided to try and do it myself. At least if it didn´t work out, I had only spent less than $500. I must admit it wasn´t easy, but the DIY Kit made the process a whole lot easier. I was able to lower my interest rate to 4.5% on a 40—year term and reduced my monthly payment by over $1000! The best thing is, I got to keep my home!

F. Logan — Chandler, AZ

I was grappling with a $2900 monthly mortgage and was already 2 months behind on my payments. Then I heard about being able to modify my loan so I can keep up with the payments. I contacted my lender and he enumerated a long list of things I had to do to apply for eligibility. I was just about to give up when I heard about these Do—It—Yourself application kits. I got one and was able to prepare my own application. Eventually, I was approved for a new 4% fixed rate for 5 years, down from my original 6.5% on a 40—yr amortization. I was able to lower my monthly dues by $500 and the savings I got was a BIG help!

V. Stephens — Gilbert, AZ

I had a little over $300,000 on my 6.375% mortgage when I had to work less hours due to company downsizing. I was paying $2,366 per month then and the pay cut reduced my paying capacity drastically. I searched the web for any options and found this Do—It—Yourself Loan Modification Kit. I got one and then contacted my lender and was surprised to find out that I would be able to modify my loan. I was able to reduce my monthly payment to almost half with a new interest rate of 2.5% on a 5—year fixed rate. After that, my lender told me that for the rest of my 40—year amortization, my interest rate can adjust to no more than 5.4%. Thanks to your BeattheBanks Loan Modification Kit, I got a pretty good deal with my lender!

R. Desanto — San Diego, CA

Thanks to your BeattheBanks HELP Kit, I didn´t have to spend much to negotiate with my lender and reduce my mortgage payment to 65% of my previous monthly due. It was a breeze to work with the kit - it really helped guide me through the difficult loan modification process. I definitely got a lot more than my money´s worth!

J.M. Greene — Beaumont, CA

I was paying almost $2700 per month on my mortgage balance of $500K+. Although my interest rate of 4.25% was considered good compared to others who were paying as much as 7%, lesser work hours made it difficult for me to meet my payments. With the help of your loan mod kit, I was able to negotiate to a new 2.75% interest over a 5—year fixed rate. My monthly due dropped to just around $1400 based on a 40—year term and I couldn´t believe it when they told me my loan will adjust to no more than 5.5% after the five year fixed is over. It was such a great relief. I got over the stress and now I can focus on taking on additional jobs so I can save up for the adjustment.

K. Rosenthal — Somerset, NJ

I thought it was the end for me and my family when we received a foreclosure notice on our home early this year. But thanks to loan modification and your BeattheBanks do—it—yourself kit, I was able to resume payment on my home at a rate I could afford. My original mortgage had a 6.276% interest over a 30—year term. With loan modification, my interest rate was adjusted to 2.0% on a 3—year fixed rate, 3.0% for 1 year, 4.0% for the following year, 5.0% for another year, with the remaining life term at 6.0% fixed rate, which will still be lower than my original rate. Payments used to be $1,861 per month, now it´s down to just $1,269 saving me nearly $600 a month.

B. Colburn — Carson City, NV