LMB CONTACTS

— Meet Your Panel of Experts —

Pavel Rombakh

Nedwood Finance, LLC PLC

Email:prombakh@gmail.com
Website: www.SuperLoanModification.com
Phone: 206-235-0335
Fax: 866-569-3070

Pavel holds a Masters in Accounting and Economic Analysis. His US finance experience started in 1995 in the auto industry where he arranged business financing until the end of 2001. In 2002 Pavel used his expertise to do Residential financing and was recognized in 2005 by Broker Magazine who ranked him #27 among 50 Top Originators in the US.

Webinar #1

Forensic Audits:Key to Winning Loan Modification Battles

Why banks sometimes WANT to foreclose and
therefore deny a mod, and what you can do about it
How to use a forensic audit so you do NOT have to file a
lawsuit
3 major case studies and what they teach us on how to get
principal reductions
How to use the Truth In Lending Act even if you do not have
the money to make payments
Are you a good candidate for a forensic audit?
What you absolutely
MUST bring to the attention of a forensic auditor
Common violations and how to spot them — step by step look
over the auditors shoulder and identify common violations that
cover 80% of the common cases
How to get lawyers to help you, even when lawyers seem hard
to find

Oliver Channing

Document Processing Center

Email:ochanning499@gmail.com
Phone: 909-626-1112

Oliver has been brokering real estate and mortgages since 1999 in California. DPC performs manual audits by reading through the note, deed, docs and disclosures, and spotting discrepancies and violations.

Webinar #2

Forensic Audits: Get Principal Reductions and Use Them to Win Favorable Loan Mods

Why banks often do NOT grant loan mods and what you can do about
it after the final "no"
How a forensic audit can get the banks to beg you to settle with them and grant you fantastic terms on your loan
How can you use a forensic audit to get principal reductions?
How a forensic audit can let you win a new loan at 90% of how much your house is worth TODAY
Who to use and NOT use to do your forensic audit
Why the "cheap" audits may be worth what you pay for them — major factors that are not covered in these automated audits
State laws that are greatly in the consumer's favor — and how to use them
Case studies of people who were turned down for loan mods, got a forensic audit, and won principal reductions

Sam Carter

True North Solutions, LLC

Email:sam@tns-llc.com
Website: www.tns-llc.com
Phone: 877-543-7305
Cell: 817-715-5176

Sam Carter is an entrepreneur who has spent the last 20 years in residential real estate, development, building and investing. He is the owner and co-founder of True North Solutions, company which provides home owners and investors solutions for residential real estate and investments. Sam is currently a sought-after speaker on the topic of loan modification for residential mortgage loans and the benefits it provides to home owners and investors.

Marcos Castillo

Marcos has years of experience in most every area of residential real estate, building, and finance. He is currently involved in the daily operation of the loan modification department which negotiates directly with the banks and their loss mitigators. Marcos and his team of negotiators have over 9 years of experience in residential loan modification.

Webinar #3

How to Get a Loan Mod for a 1-4 Unit Investor Owner House or
Apartment Building

The exact steps of doing a loan mod, from A to Z, and the common difficulties you will encounter with each step and how to overcome them
Why the key is to show a positive flow of rental income
What to do when you have other assets you are afraid they will want to go after
They say your income is too high? Too low? Here's what to do
They want to tack on arrearages to the loan — so here is how you get them NOT to do this!
How to present your case differently to different types of lenders — one size does NOT fit all!
How to present different types of hardships in order to be persuasive
What to do with modifying seconds that are already under water anyway — and their cooperation is often essential
How to partner with your lender rather than work with them as an enemy — strategies that make all the difference
How to get a far lower interest rate even when they say that it
will be "almost impossible" to get one that low!
Get rid of balloon payments — even before they come due
How to get rid of resets and negative amortizations that are under water and are killing you

Josh Daglar

Box of Credit

Email:josh@boxofcredit.com
Website: www.boxofcredit.com
Phone: 973-881-7062
Fax: 973-807-1634

Josh Daglar is an entrepreneur who started his credit repair business 6 years ago. He is the owner and founder of Box of Credit and provides credit repair services, debt settlement, loan modification and business credit improvement for individuals and businesses. In the past 6 years, Box of Credit served over 3000 clients and deleted more than 10 thousand negative items from credit reports.

Webinar #4

Repairing Your Credit Even If You Have Bankruptcy, Foreclosures or Judgements

Why you should NEVER dispute credit over the Internet
Paying debts does NOT give you a good credit rating! What to do BEFORE you pay a debt — this one tip is worth tens of thousands in lower interest costs and may mean the difference between your being a homeowner — or not!
How to get free credit reports not once a year, but every 4 months
The easy way to raise your credit score that's simple to do and works even if you owe a lot
What your balance should be — and this is easy to do and will raise your credit score
What you should NEVER do as far as filing a "consumer statement" challenging the creditor
Why it's terrible to pay everything off and owe nothing
How easy it is get rid of cases even when a bank sues you
How verification of the debt can trap the bank and cause them to lose
How to get rid of a judgment so it disappears completely from your credit report even if you really owed the money!
How re-opening a case can benefit you hugely, how to do it, and how to win WITHOUT a lawyer
How to dispute credit issues even if the credit bureau says "we already investigated this"
What to do if you have filed for bankruptcy — great news! There is a way to remove it
How to get inquiries removed so as to raise your score
What NOT to do when you are borrowing to get a car or a house — this could save you huge amounts by raising your credit score
50 points
What never to do when you don't want to use an account anymore

Ricardo Salazar

4165 East Thousand Oaks Blvd. #290
Thousand Oaks, CA 91362
Direct: (805)413-8022
E-Fax: (805)233-7164
Office: (805)413-8000
Website: http://www.ushla.com
Email: ricardo@ushla.com

Ricardo Salazar started in the Auto Industry financing department in 1999 after selling cars for three year. In finance he learned about contract language, negotiations for all kinds of credit buyers, (“A-D” credit) by paying attention to the details of how the loan file was structured. During the fall of 2002 he migrated into mortgage loans and was recruited in 2004 to Southern California to supervise a team of 30 loan agents, doing escrow, processing and a warehouse line of credit.

Webinar #5

Work the Making Home Affordable Program to YOUR Advantage

Applies to Fannie, Freddie and some other loans
What type of hardships do and do NOT qualify (a lot stricter a list than you may think)
How you do NOT have to be late (the truth about this so you can win with the lender even if some misinformed rep thinks you
don't qualify because you are on time)
How to identify the RIGHT financials — right income, right assets…you MUST get this right or you will be turned down!
Front End Housing Debt Ratio completely explained
Problems you can expect to run into and how to deal with them
The paperwork you WILL need, even some they won't tell you about
How to get through to the lender when they lose your file, don't return your calls, or simply aren't reachable
How credit score and other credit card obligations play into the mod decision
Principal reductions — the truth about them and this program

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