Negotiate a Home Loan Modification – Here Are Your Options

When the homeowner deals directly with the lender, there shouldn’t be any fees associated with the modifying your mortgage. When you negotiate with your lender, it is important to be prepared. Have a complete financial analysis – this includes all sources of income and all expenses. It is important to have all documents prepared to negotiate with your lender, a complete loan modification kit can help with this. Also keep in mind that lenders negotiate with the following guidelines:

o Maximizing returns on mortgages
o Minimizing losses on mortgages
o The best interest of the stockholders and the bottom line

If you don’t feel that you can successfully negotiate for yourself, there are other options. Using a home loan modification company is one such option. If you choose to use a professional like a home loan modification company, there will be fees paid for services rendered. A company that specifically deals with modifying home loans will have a diverse staff with the experience needed to successfully negotiate with your lender. The combined experiences and backgrounds of the company’s employees can be a powerful force in your favor when negotiating a home loan modification. When choosing a company, make sure they are able to deliver what they promise. Never work with a company that asks for an upfront fee and always check with references.

Another option is housing counseling agencies that have been approved by HUD. These agencies are funded by tax dollars and perform home loan modifications at no cost to the consumer. With the current economic down turn and the rise in the number of homeowners needing assistance, these agencies have become overwhelmed with cases and are forced to turn people away.

If you do not feel comfortable negotiating for yourself, you may feel that hiring an attorney is right for you. Make sure to find one that will fight for your best interest. A good attorney with ample experience negotiating modifications to mortgages can be a good way to get yourself a modification that will get you back on track and keep you there. Many home loan modification companies have attorneys on staff, which is something else to consider.

Remember, that while lenders are going to negotiate for terms that are in their best interest, an attorney or home loan modification company will fight for yours. If you are going to hire either a company or attorney, it is a good idea to conduct an interviews. If possible, conduct the interview in person and at their office in order to get the most accurate impression.

Questions to ask:
o What are all the costs associated with getting you a home loan modification?
o Are the fees flat or hourly?
o How many modifications have you successfully completed?
o Are there any customers you can speak with to get a recommendation?

If you find yourself falling behind on your mortgage, there are remedies available. Calling your lender and opening the lines of communication is the first step in solving your mortgage problem. When entering into negotiations with your lender, remember that they will have their best interests in mind, it is your job to fight for your best interests. If you feel that you will not be able to successfully negotiate for yourself, there are agencies, companies, and professionals available to assist you. Using one of these options may cost more than negotiating for yourself, but they be better able to get you a modification that will be a long term solution.

Tennis Gods – Tennis Heroes of Past and Present!

Tennis Gods

Since I grow up with Tennis as a kid which started about 30 years ago, I had the luck to see many greats on the Tennis court. The first match on TV I remember clearly was the final of the Roland Garros in 1984 between John McEnroe and Ivan Lendl. Lendl beat McEnroe in five thrilling sets and slowly changed the guard: Lendl became no. #1 in the world for years to come and took over this spot from McEnroe. Before that we had Tennis stars like Jimmy Connors, Borg, and further back Rod Laver. After Lendl players like Boris Becker and Stefan Edberg dominated the mens circuit. Than Andre Agassi and Pete Sampras came across and had many close fights on the courts. Nowadays we have Roger Federer and Nadal!

Lately, there are many discussions who is the best player ever? Most people say it’s Federer. Nadal has an opportunity to beat the Grand slam record of Roger which stands now at sixteen titles. It’s difficult to say who is the best Tennis player I think. When I look back in time, the game looks slower that time, but current equipment for example also made the game faster. Lendl beat in his top days Agassi more than the other way around. Sampras and Federer played only once which Federer won in very close five setter, this was Wimbledon 2001. You would say that Federer is the best one ever, since he has won most Slams right now, but back in the days of Lendl, Becker, Edberg, etc. the competition was more fierce if you ask me.

Nobody talks anymore about the heroes from the past, even though many of them play now on the senior tour. For example, Lendl returned after many years to play again (he had to retire professional Tennis because of a back problem). Great things happened in the past! Talking about Tennis greats from the past and present, making comparisons between both time periods where possible is interesting stuff, besides reading the latest news in Tennis world. Supporting this kind of Tennis posts with great videos, pics and more makes it even more cool. Also Social Media places like Twitter and Facebook are very useful for Tennis readers, this way they can even interact with other people interested in the sport of tennis and talk about their Tennis stars. It’s fun to talk about tennis stars, how they approach things in the Tennis arena at this time, bring back to life the tennis gods from the past, how things were back than…

How To Present Your Sales Proposal Like a Professional

Learn how to present your sales proposal like a pro. Here are 9 tactics that the best sales professionals in the world commonly use while presenting their sales proposals.

Know Your Audience
Your presentation should speak specifically to the industry, company and personal needs and interests of your client. Research your prospect before you present. Remember what makes them unique, learn their mission statement and values. Learn their products and services and how your solution helps them specifically.

Personalize Your Presentation
Recognize your audience by their first name. It personalizes the meeting which with all else equal, will improve your chances of winning the business. Learn about their positions in the company and who you are talking to. Always make eye contact throughout your presentation.

Set the Pace
People have a limited attention span. You must set the pace and keep your audience intrigued by presenting the critical information they are seeking. If you must present other information that is not critical, try creating a video or a PowerPoint to make it more interesting. This can help to hold your audience’s attention until you transition to your next critical key point.

State the Objective
Clearly state what the objective of your proposal is at the beginning of your presentation. Review the objective in the middle of your presentation after key points to reinforce the purpose of your key points. Finally, review your objective while concluding your presentation. Tell them, tell them what you told them and then remind them again.

Elicit Participation
It is a good idea to get people involved when they are deciding whether or not they are going to invest with you. This can help them learn more about your product, service, and company, which will build trust and confidence behind the decision to move forward with your proposal.

  • Ask questions
  • Invite them to ask their own questions
  • Ask them to relate to a scenario
  • Ask them to recall something
  • Ask their opinion
  • Ask their approval

Present Value
When people see value in a product, they are likely to purchase. Do not assume your audience sees the value, they don’t! Your proposal and presentation should show the client why this is important for them, what they will gain, what advantage this gives them and/or how revenue will increase or costs will decrease. A statement of value should be placed carefully throughout your presentation, at the beginning, before or after every key point and at the end.

Be Real
A genuinely caring attitude is the most important thing you can bring to a presentation. You must care about and pay attention to the people you are presenting to. Always be honest. A prospect will respect your honesty and feel more comfortable doing business with you even if the a piece of information you give them is not in their best interest. If you have prepared properly, you will have plenty of information that is in their best interest and disclosing information that is not will build the trust that is key to cultivating a relationship and making a sale.

Thank You!
Do not forget to thank your audience for their time, participation and consideration. You should thank them at the beginning of your presentation and at the end of your presentation.

Follow Up
Ask them when an appropriate time is for you to follow up. By doing this, you can take the guess work out of it. When you know they answer, you will know you are following up at the right time. You will not have to worry if you are following up too soon and being seen as pushy or anxious or too late and perhaps losing the business to someone else.