What to Expect from The HDN

The Homeowner Defense Network handles any type of property across the  United States including commercial. We perform extensive due diligence on our partners and require the utmost integrity of our vendor affiliates. Standard methods we employ and characteristics we look for in partners include the following:

- Professional ethics reviews
- Monitoring track records of success
- Ensuring compliance with state and federal guidelines regarding loan modifications
- Search of unresolved complaints with the Better Business Bureau (BBB) 
- Not accepting every client

Depending on the availability of funds for a borrower and his or her scenario, it will determine which program is best suited for the homeowner. Our most basic program is a free online course on how to obtain a loan modification on your own. Our online classes educate consumers on topics such as foreclosure prevention, loan modification and credit rehabilitation. This community service has positioned us as a credible source on the matter. 

To date, we’ve helped hundreds of homeowners; however, this program is limited. Homeowners have the opportunity to speak with a representative and be upgraded to a more comprehensive program. This program is called Loan Modification Do-It-Yourself (Loan Mod D.I.Y.), and is an inexpensive solution for distressed homeowners who can easily qualify for a loan modification and are prepared to do most of the work on their own. 

Loan Mod D.I.Y. is more comprehensive than the free online course and features a planned voice over and more. It includes professional guided audio lectures, live chat, and forums and tips from industry experts. We provide clients with the tools professionals use to modify mortgages and make them more affordable for homeowners.

Giving the same end result at not even half the price, Loan Mod D.I.Y. was created as an inexpensive solution for homeowners. Additional supplemental services include a forensic loan audit, loan modification proposal, loss mitigation service and more, all of which can be purchased a la carte or bundled together with the Loan Mod D.I.Y. curriculum.

One of our services, the forensic loan audit, helps clients exercise their rights and determines if their lenders violated fair lending laws. If so, the borrower has recourse and powerful leverage to obtain a loan modification and/or principal reduction. Litigation against a lender can be costly and time consuming, so it’s always to advised to contact an attorney to determine if this is a feasible or desirable outcome.

Nonetheless, we have homeowners changing lenders’ minds from a “no” to a “yes” with regards to a loan modification simply with the submission of a forensic loan audit that documents lender violations during negotiations. 

Loss mitigation services work to negotiate mortgage terms for the homeowner to prevent foreclosure.  These new terms are typically obtained through loan modification,  however they could also be as a result of short sale negotiation, short refinance negotiation, deed in lieu of foreclosure, cash-for-keys negotiation or a partial claim loan, to name a few.

All of the options serve the same purpose: to stabilize the risk of loss the lender/investor is in danger of realizing. The different options available to homeowners try to make the homeowner “perform” (pay timely), and cure the potential loss the lender/investor projects with the foreclosure process and auction sale of the property.

Throughout the past months, we’ve worked very hard and diligently to create solid relationships with what we believe to be the best in class service providers/vendors. We ensure the organizations we partner with always have the homeowners’ best interests in mind. When you choose The HDN, you choose experience and compliance. Ultimately, we’re here to help you save your home. 

Free Gift

As a thank you for registering for our loan modification course, we’d like to extend a free service to you. For a limited time, we’re offering your choice of one of the following items:

• Custom loan modification proposal
• Forensic loan audit to determine if your lender was unlawful and therefore liable for damages
• E-book on rebuilding your credit in a bad economy. 

The most common feedback we receive from clients is that they wished they acted sooner, saving thousands of dollars, time and heartache.  Sometimes we receive calls where it’s indeed too late and we can no longer help the person. Please don’t wait until the last minute. Call us today to set up a free no-obligation consultation and receive your complementary gift.

How the Foreclosure Crisis Happened and What You Can Do About It

Loan defaults and foreclosures are at an all-time high, and most national markets are in decline.  This is largely due to mortgage interest rates that are adjusting upwards and the lack of affordability on the borrower. Military families have seen some of the most significant increases in foreclosure.

Many attempts, mostly unsuccessful, have been made by lenders and government agencies to facilitate an economic stimulus and real estate market comeback by offering incentives and access to loan modifications through various programs and government legislation.  

A loan modification provides either a temporary or permanent change in one or more of the terms of a borrower’s mortgage, resulting in a more affordable mortgage payment. The reality is that the state of the economy, slated to be one of the worst recessions since the Great Depression, is not easily overcome.

The situation is partly due to the faulty lending practices by lenders nationwide over the past five years or so, during which government agencies turned their watchful regulatory “eye,” and brokers, agents and borrowers exploited available finance programs. 

We at The Homeowner Defense Network believe that most homeowners armed with knowledge of the loan modification process can obtain a loan modification on their own without having to spend thousands of dollars for a loan modification.

There are, however, circumstances in which a homeowner may need or find it beneficial to pay for professional assistance. Some of these situations include if you are facing foreclosure, have a complicated financial situation or have reason to believe you were the victim of unfair or predatory lending practices.

In these cases and more, a great need has been created for this type of service. Unfortunately, there are many unethical companies looking to exploit vulnerable homeowners. Our objective is to provide distressed homeowners across the country with resources, knowledge, assistance and access to a network of attorneys and professional organizations specializing in protecting homeowners. 

Created by industry experts, Loan Mod D.I.Y. will teach you the secrets and tips that lenders and the loan mod industry don’t want you to know. Attempting a loan modification on your own without first educating yourself on the proper steps and strategies is extremely risky, since lenders may not have your best interest in mind. ONE seemingly minor mistake could not only cost you thousands of dollars, but it could be the difference between getting your modification approved or not approved. Don’t delay, since time is not on yoru side and sign up today.