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Up-to-the-Minute Advice for Loan Modifications and Short Sales

Does My Bank Still Love Me?

  By Russ Shulman and Leeron Liftik

Whether you’re an experienced mortgage broker or an absolute beginner, you can negotiate a loan modification or short sale on your own.  Simply follow the step-by-step advice of two experts in mortgage & finance who have been negotiating successful loan modifications and short sales for many years.  Russ Shulman and Leeron Liftik, owners of Sound Method Modifications, will walk you through the process and even share their most effective tricks of the trade. In this book, you will learn about:

  • Preparing a financial statement
  • Writing a powerful hardship letter
  • Dealing effectively with customer service reps
  • Reaching a supervisor for better results
  • Understanding the inner workings of your bank/lender
  • Turning a “no” into a “yes”
  • Imminent default and how it can apply to you
  • The pros and cons of filing for bankruptcy
  • When it makes sense to short sell your home
  • What to look for when seeking professional help


About the Authors

Russ Shulman

After several years in the tax resolution and mortgage industries, Russ Shulman formed Trusted Home Mortgage in 2005. It quickly grew into one of the leading net branch mortgage firms in Washington. In response to the real estate market crash of 2008, he joined with Leeron Liftik to form Sound Method Modifications.

In addition to owning multiple businesses, Russ is a Washington state certified real estate instructor, mortgage broker and software developer. He’s also a member of a task force providing consultation to the Washington Real Estate Commission in regards to short sales.

Leeron Liftik

Leeron Liftik is co-owner of Trusted Home Mortgage and Sound Method Modifications. He has thirteen years of experience in the mortgage and finance industries, which has provided him a high degree of expertise in evaluating finances.

His far-ranging experience includes stints as a wholesale representative, loan officer, underwriter, manager, trainer, and the owner of three companies. He is also the co-host of a new public access TV show in the Puget Sound region called Does My Bank Still Love Me?




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