Company and Loan Modification Information

1. “ Keeping The American Dream Alive ”

2. WLR Group, Inc. we are a consulting firm headquartered in Orlando, FL. We specialize in Mortgage Loan Modifications. We are dedicated to helping homeowners keep the American dream alive.

10. We work with lenders, mortgage servicers, and investors to provide workable solutions for homeowners. TERM OF THE LOAN PAST DUE PAYMENTS & DELINQUENT FEES PRINCIPAL BALANCE

11. WLR Group cuts through the red tape and works directly with the loss mitigation department of the homeowner’s bank to facilitate a loan modification. Customer service is integral part of our mission and we accommodate the nation’s pressing needs of effective communication.

12. Though the definition is simple, in reality, a loan modification is a complex process. Included in this process would be, at a minimum… Financial Analysis Verifying Payments You Can Afford Financial Prospects Workout Letter of Hardship Current Market Analysis Loan Restructuring Proposals Cost Benefit Analysis for Your Lender Cross Cost Analysis

13. Phone calls with the lender: An average modification includes 30 to 40 hours of phone calls, the majority of which is spent on hold. Verifying the receipt of documentation: Documentation required by the lender to process a loan modification is generally sent via fax. Depending on the lender, documents may have to be sent up to a dozen times. Conference calls between the lender, homeowner and modification company: Occasionally, the lender will want to speak with the homeowner directly. This includes coordinating with the borrower and lender to schedule a mutually acceptable appointment time and participating in the conference call. The Modification depends on the lender timelines: The timeline for a modification varies from lender to lender, taking anywhere from 30 to 90 days.

29. WLR GROUP, INC. 3249 OLD WINTER GARDEN RD. SUITE 19 ORLANDO, FL 32805 TOLL FREE (866) 780-1059 FAX (407) 253-2015