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MMFDreamworks, Inc.

914-239-8444 or 800-586-2396

MMFDreamworks@gmail.comhttp://mmfdreamworks.blogspot.com/

We Buy and Sell ALL types of Real Estate

Mario M. Finkbiner

Provide Commercial and Residential Financing

President/Owner

“Your Real Estate and Mortgage SOLUTION provider”

Loan Modifications

(and other solutions)

Thank you for downloading our free e-book!

We hope to provide you with some insight and options that you did not already knowabout. Please read through this carefully, and if you should have any questions, pleasefeel free to contact us at the number on the website or the postcard you received.Should you have any questions, feel free to contact us by calling the number on thewebsite or the postcard you received.

Read this important disclaimer by clicking here

Dear Homeowner,If you are reading this e-book, then you are someone in one of the four following situations. You either:

•

Have a mortgage (ARM) that has adjusted or will be adjusting

•

You are making your payments, but are struggling to do so

•

You are behind in your payments, or

•

You are facing foreclosure No matter which of the above situations you are in, you are in a very stressfulsituation right now, and we can help!We want you to know that we will do our best to help you through thissituation by educating you and possibly providing a solution. By reading this

e-book, it will help you to:

We Buy and Sell ALL types of Real Estate - Provide Commercial and Residential Financing - Assist in ALL aspects of the FORECLOSURE process while providing realistic ALTERNATIVES - Educate & Guide clients on viable solutions to Debt Consolidation and/or Credit repair. MMFDreamworks, Inc. P.O. Box 96 Pleasantville NY 10570“ Let us WORK together towards your DREAMS ”

MMFDreamworks, Inc.

914-239-8444 or 800-586-2396

MMFDreamworks@gmail.comhttp://mmfdreamworks.blogspot.com/

We Buy and Sell ALL types of Real Estate

Mario M. Finkbiner

Provide Commercial and Residential Financing

President/Owner

“Your Real Estate and Mortgage SOLUTION provider”

Know Your Options and Make The Best Decision!

We are providing this information so you can make the best decision for you, your family, and ultimately your future. Clearly understanding your options will allow youto move forward with confidence, knowing that you are doing everything you can for yourself in this challenging time.It is advisable that you seek financial and legal advice from professionals as well, inorder to help with a decision and a plan.

Learning Your Options and Taking Action Are TheMost Important Things You Can Do Right Now!

This is most likely the first time you’ve experienced an event like this, somake sure you take the time to learn your options. Realize that we willcertainly do our best to help!Below is a list of typical solutions available. The first option we cover iswhat is typically most beneficial to the homeowner.

Loan Modification:

Many homeowners don’t think that a loan modification is anoption for them. The last few months have brought

huge

changes for homeownersregarding loan modifications! In fact, Loan Modifications are the biggest trend rightnow with lenders. But

BEWARE,

because although the lender wants to give you a loanmod, they may not be looking after your

best interests, they may be looking after their

own

best interests.Statistics show that 80% of loan modifications done without an attorney result in the

MMFDreamworks, Inc.

914-239-8444 or 800-586-2396

MMFDreamworks@gmail.comhttp://mmfdreamworks.blogspot.com/

We Buy and Sell ALL types of Real Estate

Mario M. Finkbiner

Provide Commercial and Residential Financing

President/Owner

“Your Real Estate and Mortgage SOLUTION provider”

homeowner ending up back in default! Why is that? It’s because the lender does not takethe homeowners situation (or best interests) into consideration when doing the loan mod.All they want is for the loan to be current again; they do not care about the homeowner long term or about future defaults. They are only thinking about the present.MMFDreamworks, Inc. specializes in loan modifications, and we have several attorney platforms that can do the loan modification for our homeowners. We are 97% successfulat getting a loan modification (one that works long term for the homeowner) donesuccessfully! Although every situation is

unique, we

typically

see an interest ratereduction and a payment reduction for our homeowners! We will evaluate your situationfor free to see if you qualify! If you are interested in a free evaluation, please call thenumber on the website where you got this e-book, or call the number on the postcardthat you received. We can evaluate your situation in only 5 minutes.We have hundreds of satisfied customers who were able to keep their home, and wehave helped hundreds more avoid foreclosure. WE DO NOT want to buy your house; wewant to help you keep it! Contact us now to find out how we can help!

Options other than a Loan Modification

(Some of the options below assume you are behind in your mortgage or facing foreclosure)

Reinstating the loan:

This is simply paying all of the back payments,late fees, attorney fees and any other fees that may be in place, and bringing your loancurrent. Simply call your lender (or foreclosing attorney) and ask for the reinstatementfigure. Even if you have the funds available to reinstate your mortgage, it may not beyour best course of action (especially if you have a high interest rate or an ARM). Youmay want to consider doing a loan modification instead of reinstating. A loanmodification may not be available to you after your mortgage is current again! Yes,