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This happens to Advisors, too. The behaviour springing from assumptions is often to talk more than listen, not ask enough questions, and pitch one size fits all solutions. You can often miss huge opportunities, and will certainly not create loyalty with this behaviour.

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Analysis is done real time to determine if the homeowner

Home Loan Preservation company

I just attended a 1 1/2 hour spiel at the local library from this loan modification company called Home Loan Preservation(HLP). Having just heard Obama’s “plan” I was curious to hear canada goose jacket outlet sale what they had to say. Anyone know of them or have any insight?

Canada Goose online Here’s the poop I got from the meeting. They recruit “consultants” to join their network and prequalify homeowners in need of loan modification. The consultant markets to find homeowners and once connected, inputs the homeowner’s info into software HLP provides. Analysis is done real time to determine if the homeowner qualifies to move forward with a modification attempt and if so, the info is forwarded to a lawyer in the network. The lawyer will contact the homeowner and if they move forward with the modification the lawyer collects a $3000 $5000 up front fee (fee is higher for higher loan amounts) and handles the modification. Supposedly this does not violate foreclosure regs such as CA Civil code 1695 because a lawyer is handling the transaction and collecting the fee. Canada Goose online

From that point all communication with the homeowner including any documents the homeowner provides is recorded on the site provided by HLP. They claim this provides all the transparency of all that was done for the homeowner should it ever come into question. In addition the homeowner can follow their status real time.

If the modification goes through the consultant collects $1000. There is an semi MLM component which allows canada goose outlet online reviews the consultant to recruit and train others and collect fees for those they’ve recruited.

cheap canada goose uk If the modification doesn’t go through the homeowner gets all of their money back (exception is if the homeowner isn’t truthful with their info). cheap canada goose uk

HLP was clear to say they are in the business of providing software that enables loan mods and not in the loan mod business.

buy canada goose jacket The fee to become a canada goose stockists uk business center (recruits agents) is $1000 and $249/month and to become an agent only is $69/mo. This of course is to pay for the maintenance of the software, online training, marketing, blah blah. buy canada goose jacket

I asked why a homeowner would pay $3000 $5000 when a loan mod can be done for free and I got the answer I expected which was that they(well the lawyers) have such a high success rate and generally can negotiate a better deal than a homeowner could on their own.

I was also curious to find out what the “analysis” that qualified the homeowner consisted of but ran out of time. My suspicion is that if your temperature is at or near 98.6 degrees you qualify.

Looking canada goose outlet toronto factory forward to hearing your comments.

I too attended their seminar. Sounds promising, but mass recruiting also reminds me of MLM scams.

I have not seen their lawyer list displayed anywhere, or did I miss it? Does anyone know if they even exist? Successful lawyers are usually not shy about publicity.

canada goose clearance I can cheap canada goose not find anything on HLP on the web, otherthan your blog and corporate website. Certainly, we’re not the only 2 with questions. canada goose clearance

uk canada goose Has anyone actually closed and processed an applicant successfully? uk canada goose

As Loan Modification processors, or pre qualifier, or information takers, etc. isn’t HLP required to register with DRE even if monies taken canada goose outlet store uk are put into escrow?

Any input from you out there would be appreciated as I am still very interested.

I will no doubt tweak some folks off here. But, IMHO, this is just barely better than a scam. Opportunists see a group of “customers” for a service. They pitch this as homeowners needing a service to get these loan mods done. They really see a group of people like you two who are willing to spend some money to learn to “serve” these homeowners. Their real product is the education and their customers are the people willing to pay for that education. No different, IMHO, than 90% of real estate gurus.

Canada Goose Parka Congress does not intend this program to be a opportunity for a bunch of “consultants” and their uplines to extract five grand from these distressed homeowners. Congress is incenting the loan servicers to do these transactions. If this is really worth their while, the servicers will make it easy for the homeowners to do these mods. There won’t be any need for consultants. Canada Goose Parka

Its one thing for an attorney who’s experienced in a specific area of law to charge someone $5000 to do a transaction that leverages that experience. It another thing for someone who’s had a weekend’s training to, frankly, scam a homeowner out of $5000 to make a few phone calls the homeowner could make.

Canada Goose Online I would like to see some real data that says “consultants” have more success at getting mods done than homeowners doing it themselves. Some independent data, not from people involved with the mods. And, data that says someone can take a weekend boot camp and buy some piece of software and be more effective than homeowners. And, that will be more effective when the loan servicers get them minds changed from trying to stall mods to getting mods done. Canada Goose Online

I am with Jon here. Scammers trying to profit from people’s misfortune. You can figure out on your own if they will qualify for a mod with just a simple excel spreadsheet. That is what the bank is using.

They have a high success rate because the system weeds out the homeowners who don’t qualify with their initial “software screening.” Which you could also do “in real time.”

canada goose factory sale They can’t negotiate a better deal than the homeowner. That is BS. The regs are what the regs are. If someone has 3 5k to pay a consultant, they are far better off dealing with the bank directly. canada goose factory sale

I have also attended one of their presentations. I am skeptical, but have not said no yet. I do think a couple of these posts are off base. The person that goes out to take the initial information does not negotiate anything on the homeowners behalf and does not collect a fee. I am trying to find out what their success rate is, but do know 6 or 7 people who have gone directly to their lenders to attempt this on their own; actually, I tried it myself. Not one of us was successful. Hours were wasted on hold, etc. I know 2 others who were offered ridiculously bad modifications and both contained charges of $10K to $15K from the lender that were tacked on to the principal. How many of you know people directly who successfully negotiated a reasonable modification directly with their lenders?

I was just introduced to canada goose jacket outlet toronto HLP and I think they have a good approach in servicing the homeowners who want to get a loan modification and stay in their home. Despite what you may think a homeowner is better off if the loan modification is initiated by a law firm as opposed to themselves. The attorney knows exactly what canada goose victoria parka outlet to say and who to talk to and how to get the best deal for the homeowner. The bank is buried with foreclosure work and its money well spent for a long term investment since in some cases the negotiations involve more than one mortgage or lean. The attorney gets their attention immediately but the homeowner will not be able to do that effectively.

Another good thing about HLPs program is how they handle the money from the homeowner. It goes into an escrow account just like a deposit for a house when you make an offer to buy. That way its not in the possession of HLP and its held there until the attorney knows that they can help the homeowner. This is a good for the homeowner and it eliminates the fear that the homeowner will get scammed by the salesperson and HLP.

uk canada goose outlet From a business standpoint the bad thing with HLP is they do nothing in providing a way for the affiliate or sales rep to easily source qualified leads. They expect the affiliate to knock on all the doors in the various neighborhoods or ask realtors for a list of their clients so you can contact them. Yes, you could do that but it doesnt work all that well as you will see if you try it. What they should be doing is providing a pre negotiated discounted price with a data base company that can supply names, addresses canada goose outlet in toronto and phone numbers of pre foreclosure and early foreclosure homeowners for your specific geographic area. That eliminates a ton of wasted time and lost productivity not to mention your earn capability. uk canada goose outlet

I can tell you from experience that the close rate for canada goose outlet store toronto a sale person on loan modifications is typically about 50% of the qualified homeowners you call on. You have to remember, the homeowner is upset, embarrassed and possibly unemployed so you have work around that and establish a rapport with them. That involves educating them on what will happen if they do nothingThey will lose the house for sure.

HLP is all about the numbers and they are focusing their attention on enrollment for $500 from individuals and the $69 per month software website tracking user fee. The other enrollment fee is $1000 and something like $245 per month for the software website tracking system.

Therapy can also teach relaxation and imagery techniques

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