Everything you need to submit a complete, professional loan modification package — on your own, at no cost.
Six professional tools designed to give you the same advantage as a paid modification company — free.
A professionally structured template that explains your financial situation clearly and compellingly. Includes guidance on what to include — and what to leave out.
A complete checklist of every document your servicer will require. Organized by category so nothing gets missed and your package is complete on the first submission.
A clear, sequential walkthrough of the entire process — from initial contact with your servicer to tracking your review status and responding to requests.
Word-for-word scripts for every call you'll need to make. Know exactly what to say, what to ask, and how to document each conversation.
A structured worksheet to organize your monthly income and expenses in the format lenders expect. Reduces errors and speeds up review.
If your first submission is denied, this guide walks you through your options — including how to appeal, what to request, and when to escalate.
MVP is an intelligent AI assistant that analyzes your complete situation in real-time — scoring urgency, modeling bank decisions, and generating a fully personalized strategy based on your lender, loan type, and hardship profile.
🎯 Early Bird Pricing Available
Special rate for first 50–100 buyers
Want to move quickly without waiting on a third party
Want to save thousands in modification company fees
Are organized and willing to follow a structured process
Want to understand the process — not just hand it off
Important: This kit provides educational guidance and organizational tools only. It does not constitute legal advice, financial advice, or a guarantee of any outcome. Results vary based on individual circumstances, lender policies, and documentation quality. If you require legal representation, please consult a qualified attorney.