Check your options (see table below) Hard money? Loan Modification? or Conventional?

HARD MONEY	Private lenders on residential and commercial, for Purchased REO, Cash out regardless of credit, loans in bankruptcy, Short sale financing, non owner occupied, owner occupied . Get multiple offers from 6 or more hard money investors
LOAN MODIFICATION	Reduce your monthly payments by reducing your interest rate to as low as 2.00% fix. No up front fees. Get experience lending professionals to prepare and negotiate the best modification without paying any advance up front fee. Or get the tools to do it by yourself
CREDIT REPAIR	Guaranteed results in 30 days or your money back. You may need to get your credit clean and your FICO improved in order to qualify for certain loans. we now offer fixed price guaranteed results program.

Slash your mortgage monthly payment by 50% or more

Loan Modification Expert may cut your monthly payments in half.

You will be charge only $1,500 upon successful completion of the modification process. Loan Modification to find out if you are qualified

Use the table below to determine what best for you

(Applies for residential properties only. For commercial and land click here)

	Can you verify your income and savings?	Do you must have cash out?	Do you have Hardship? (Include lost of income bad credit etc.)	Do you have Equity or Down payment)	Solution
Purchase	Yes	N/A	No	At least 5%	Conventional or FHA (May need credit repair)
	No	N/A	N/A	At least 35%	Hard money
	No	N/A	No	At least 5%	1. Find co- borrower whose income can be verified and try for Conventional or FHA (May need credit repair) 2. Find co- borrower who has at least 30% cash down payment and you can get get hard money loan (May need credit repair)

Refi	Yes	No	No	0-20%	Conventional or FHA (May need credit repair)
	Yes	Yes	No	At least 20%	Conventional or FHA (May need credit repair)
	Yes	No	YES	N/A	Loan Modification
	Not sure	No	?	N/A	Loan Modification
	Yes	Yes	YES	At least 35%	Hard money
	No	Yes	Yes/No	At least 35%	Hard money

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