http://www.60MinuteLoanModification.com – FREE CD shows how I modified loans on all 5 of my properties. My simple system helps you beat the bank, lower your payments, and save your home. CLICK the link above to learn more. [Below is an excerpt from a live loan modification teleconference] Ryan: A lot of times what happens, yeah, is that some event kind of creeps up. They might have even had the expense but then now it's maybe doubled or tripled and so they don't think, they're income hasn't gone down. Mike: Yeah. So you have to prepare by understanding your hardship and then most importantly prepare your budget. That's the most important financial information to have before you call and then lastly I always recommend that you remove funds on deposit with any bank that you're negotiating with. So preparation is important. “I Can Help You Save Your Home!” FREE Loan Modification Quickstart CD http://www.60minuteloanmodification.com/pre-checkout-page/