Free Stuff

Hardship Letters
A hardship letter is always required by your lender/creditor when homeowners/consumers are having financial difficulties because of life-altering complexities that almost everyone has suffered. Read more

Qualified Written Request (QWR)
This a sample of a “Qualified Written Request” (starting on the page below) under Section 6 of the Real Estate Settlement Procedures Act (RESPA).  Read more

Loan Modification Negotiation Workout Sheet

Find out if predatory lending has been committed against you and in your mortgage documents.  This is a very helpful tool. Read more

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