LEGAL & DISCLOSURES

WilderMod provides educational information, organizational tools, and document templates related to the residential mortgage loan modification process. WilderMod is not a law firm, a licensed mortgage servicer, a HUD-approved housing counseling agency, or a government entity. Nothing on this website constitutes legal advice, financial advice, or professional counsel of any kind.

In compliance with the FTC's Mortgage Assistance Relief Services (MARS) Rule (16 C.F.R. Part 322): You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us [our fee] for our services. WilderMod is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit rating.

WilderMod makes no representations, warranties, or guarantees regarding the outcome of any loan modification application. Results vary based on individual financial circumstances, lender policies, documentation quality, timing, and other factors outside our control. Past results described in any marketing materials are not indicative of future outcomes.

All content on this website — including guides, templates, checklists, scripts, and any AI-generated content — is provided for educational and informational purposes only. This content is not a substitute for professional legal, financial, or housing counseling advice. You should consult with a qualified professional before making any decisions about your mortgage or property.

Use of this website does not create an attorney-client relationship between you and WilderMod or any of its affiliates, employees, or contractors. WilderMod does not provide legal representation and cannot represent you in any legal proceeding, negotiation, or dispute with your lender or servicer.

WilderMod may reference or link to third-party resources, including HUD-approved counseling agencies, government programs, and legal aid organizations. These references are provided as a courtesy and do not constitute an endorsement. WilderMod is not responsible for the content, accuracy, or availability of third-party websites or services.

Information submitted through forms on this website is collected for the purpose of providing educational guidance and may be used to send you relevant information about our services. We do not sell your personal information to third parties. By submitting your information, you consent to receive communications from WilderMod related to your inquiry.

To the fullest extent permitted by applicable law, WilderMod and its affiliates, officers, employees, and contractors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this website or its content, including but not limited to loss of property, credit damage, or financial loss.

This website and its terms are governed by the laws of the State of California. Any disputes arising from the use of this website shall be resolved in the courts of San Diego County, California.