LOAN TERMS:

ADJUSTABLE RATE IN ADJUSTMENT PERIOD OR CLOSE TO ADJUSTING

ADJUSTED RATE IS TOO HIGH

DEBT TO INCOME IS TOO HIGH

LIFE CHANGING EVENTS

ILLNESS/DEATH/DIVORCE

MORTGAGE FRAUD

BANKRUPTCY

HOUSEHOLD INCOME LOSS OR DECLINE

OWE MORE THEN THAT PROPERTY IS WORTH IN CURRENT REAL ESTATE MARKET.

***MOST PEOPLE DONT EVEN KNOW THEY QUALIFY FOR A LOAN MODIFICATION (ESPECIALLY IN TODAYS ECONOMY)!!!***