Welcome to The Loan Manual(tm) (2009) Foreclosure/Loan Modification Edition! Be rest assured this value-packed guide draws upon more than a decade of my professional mortgage and real estate background, not to mention my own personal experiences. It was written for the novice and savvy real estate person.The Loan Manual(tm) Series was designed to provide the average person, with little or no experience, with proven "Do-It-Yourself" tools for making important mortgage and real estate decisions. My experience as a mortgage and real estate professional could literally save you thousands of dollars in professional loan modification fees, and potentially save you tens and/or hundreds of thousands of dollars in mortgage interest payments.As an owner of a fully licensed and accredited mortgage lending branch office, I have originated (and overseen) a multitude of conventional and government backed mortgage loans. As a licensed lending institution, I have arranged small and large financing for residential properties under FHA, VA, Conventional, and Hard Money mortgage loans. I have bought and sold investment land and properties. This, combined with my vast experience as a Licensed Realtor in the State of Florida, assures that you get the right answers to the questions you need as relating to your mortgage and real estate investments.
Currently, I am married to a beautiful Wife and have two very lovely daughters. As I operate the mortgage and real estate end of my business, my Wife overseas the operations of our loan processing and loan modification service business. Here, we have negotiated a room full of loan modification requests on behalf of our many clients.When all said and done, the publisher and I hope you apply the principals outlined in The Loan Manual(tm) and put more money in your pocket, not the bank's. After all, the most valued investment you have is your family and the home in which you reside. Remember, become an owner of your home, not a slave to it!Warmest Regards, Ralph Harvey, IIIRalph Harvey, IIIAuthor of The Loan Manual(tm)Licensed Mortgage BrokerLicensed Realtor.