Green and Natural Cleaning for Healthy Home

Most of the working women feel as if they are working for a second shift, when they have to spend hours to clean a house after coming from office. Many of them feel that they are not able to clean the house to that extent, which a healthy house requires. For them, availing home cleaning services is the best option. There are companies that offer green and natural cleaning services.

When reviews about cleaning services were taken from women availing these services, most of them accepted the fact that they were able to balance work and personal life. Now, they do not have to worry about the cleanness of the house. To keep the family healthy and safe is the major concern of women.

Living in a clean environment is beneficial for families in many ways. Some of the benefits are:

* Improves the mood and morale of occupants
* Improves health and prevents diseases and allergies
* Reduces pollution and dust in house
* Increases life of properties in house

In Ottawa, home cleaning companies offer natural and certified green cleaning services. They even offer specialized services like interior air quality improvement, which is especially beneficial in case there are kids in the house. Environment friendly cleaning is for women seeking long-term benefits for their families and pets. Green cleaning helps in reducing carbon footprint on the planet.

Home cleaning companies do not use cleaning products, which can lead to health problems like asthma and allergies, attention disorders, or cancer. Their cleaning professionals undergo special training for green cleaning. This educates them about the use of cleaning solutions and equipments like HEPA vacuums and microfibers that are Green certified. Basic principle of green cleaning program:

* Looking for inside and outside ways: Mostly, pollutants enter the house through feet; so, indoor air quality programs are important to trap and remove dirt before it enters the house.

* Use of Environment Friendly Products: Reduced usage of cleaning chemicals to provide natural and green cleaning.

* Vacuuming, extraction, rinsing and drying. Carpets are the favourite place for mould growth. Special vacuuming techniques are used for efficient cleaning.

* Mechanical capturing of dirt: Use products like microfiber dusting cloths and flat mops, to eliminate the need of chemicals.

* Focus on special places: Cleaning of special areas such as doorknobs, railing and other fixtures, to which people come in contact frequently.

* Applying disinfectant in restrooms: Bathrooms are the most germ prone area in the house; so disinfectants are used.

* Use of green products: Use of recycled chlorine-free paper tissues and towels

Green and certified natural cleaning companies follow these principles to make houses germ-free for healthy living.

Want to find out more about green cleaning products,green Ottawa home cleaning services,etc,you can go to Ottawa cleaning company for best home cleaning service.

Loan Modification -2 Mistakes To Avoid If You Want To Do It Yourself

The loan modification business is exploding. With interest rates at the lowest levels in history, many homeowners are taking advantage of the opportunity to negotiate a lower interest rate and better terms with their bank.

Doing a loan modification yourself is a much more economical, and many times a more effective option, than refinancing. For one thing, if you do it yourself it doesn’t cost anything (unlike a refinance -which can cost $ 1,000s). Therefore, the only risk is the investment of your time. The rewards can be great if the bank approves your modification. Many times you can achieve the same or better results than if you had refinanced. However, many loan modification applications are denied because of simple mistakes that were made during the application process. These mistakes can be very easily corrected.

Here are the 2 top mistakes to avoid when preparing your loan modification:

1-Poor hardship letter- Your bank will require you to construct a detailed letter explaining the circumstances leading up to your hardship. Although it might sound simple, one mistake here will get your modification denied immediately. Here is an example of what not to say, ‘I took out a loan to buy furniture, wallpaper, appliances, some landscaping and now the payments on that loan are making it difficult for me to keep up with my mortgage payments’. Now, I am not suggesting that you lie, but here is a better way to say the same thing. ‘I recently took out a loan to make necessary home improvements and I am now finding myself struggling to keep up with the payments’. You are just presenting the same thing, but differently. The conclusion here is that if your bank thinks in any way that you went on a spending spree, you have blown your one chance for an incredible rate.

2-Overstating your expenses- As part of the loan modification process, you will be required to complete a monthly financial budget. Many people instinctively think that the worse off you present yourself to the bank, the better your chances are for help. Be careful, as this is not true and can actually hurt you. In this situation, the bank will conclude that even a loan modification is not going to help and it will only delay the inevitable, a foreclosure. As a result, you will be denied. All banks use a formula to determine your income and expense ratio. You must fall within the proper range to qualify.

You only have one chance to get it right when speaking to your bank. You can’t go back and change the numbers or rewrite your letter. It is important to have a basic understanding of the process before you even begin to speak to anybody. A Do-It-Yourself guide will provide you with all the necessary information and help you through the process. Armed with these tools, you have the potential to significantly reduce your mortgage payments for good and get back on the right track.

J. Pisicchio is a mortgage professional with 20 yrs industry experience. Working at small banks & large institutions (Chase), he was formally trained as a credit analyst. His goal is to help consumers make the best financial decisions regarding their mortgage needs. For information on the Do It Yourself Modification guide, visit www.mortgageloanmodificationsecrets.com

Which Is The Appropriate Tile Floor In Cantinas?

If you really love Mexican cuisine and South American customs, you surely know what cantinas are. Such locations are extremely important in the South American culture, and this term, “cantina,” has gathered several meanings along the years, but all having a pretty obvious social understanding. Even though, cantina may designate a wine shop or a bar, the most popular understanding goes to Mexican restaurants, which can be found in the Southwest, and particularly near the Mexican border. It seems that many who own a Mexican restaurant have attached the term “cantina” to the name of their restaurant; it is indeed a very successful branding strategy in order to stir up clients’ interest in Mexican food and culture.

When it comes to cantinas, the Mexican touch is extremely important as if the decor is the promoter of the Mexican cuisine. For this very reason, decor related items play a crucial part in what Mexican restaurant owners are aiming for. To put it differently, in a cantina, the Mexican food means nothing unless comfort, safety and food hygiene standards are attentively considered.

Surprisingly, tile flooring stands for one of the elements that can ensure comfort and aesthetically add value to a room. Even though tiles have been taken for auxiliary elements, a cantina looks tremendous on the condition that the floor has a nice color and a design that could be truly inspiring for all who love the South American culture, in particular, the Mexican one.

Since long-term durability and safety related to non-slippery surfaces are a great concern, limestone tiles are a very wise choice. Regarding aesthetic standards, natural hues like honey and beige also work great.

Limestone tiles stand for a good choice mainly for rustic places (just like Mexican cantinas) and can be successfully extended from the serving area to the restaurant’s kitchen. The explanation is pretty simple: the adherent surface of limestone tiles is good enough to avoid accidents in a very active environment, and also to help the personnel clean the working and serving areas fast and easy. Even though you have never paid attention to such details during your dinners at the Mexican restaurant, next time, you will be very much aware of the close connection between the Mexican ambiance and the decor.

Honey and beige limestone tiles are exactly what you need for a practical and welcoming floor.

How To Install Ceramic Tile:Five Easy Steps

Step One: Get to know your tools.

Knowing how to install ceramic tile flooring starts with gathering the right kinds of tools and equipment for the project. You can buy most of the tools you’ll need for working on your floor tiling at your local hardware store or home center. For equipment that might be too expensive to purchase like a tile cutter, or hand held micro cutter, try your local home center or tool rental yard. They may have the tools you’ll need at affordable rental prices, or even at discount. And if you’re a newbie at tiling work, they may even help you with information. Here are most of the basic tools you will need for your tiling job:

a) Safety clothing and gear like a pair of safety glasses, heavy leather gloves, and long-sleeved work clothes. These are useful especially if your tiling work involves taking out the existing ceramic tiles. Broken shards and other debris from tearing out the ceramic tiles can cause nasty cuts.

b) Tools for carpentry like a tape measure, a carpenter’s square and a bubble level will also be needed.

c) A tile cutter (which you can rent), some tile spacers, a putty knife, a trowel (preferably, the notched kind), and a rubber grout float.

d) Other things you will need are mortar material for bonding your tiles to your subfloor surface, like a thin set mortar, or tile adhesive, tiling grout and sealant.

Step Two: Prepare your subfloor before installing your tiles.

Most tiling jobs start at this stage. It would be a great experience for you to learn how to install ceramic tile by learning about the type of floors you will be putting your tiles on. Always check for cracks and debris when If you’re working on a concrete subfloor. Make it is smooth and clean. Repair as many of the cracks as you can. If you see cracks that are too large to repair, replace the floor section where they are found with new concrete. For plywood subfloors, be sure that the wood is at least 1 and 1/8 inches thick and is supported by an equally strong underlayment. Otherwise, your ceramic tiles will dislodge easily, or worse, break and need replacing.

An existing ceramic tile floor may add another stage to your tiling job, and present something of a challenge for you. You’ll need to tear out the existing tiles. For starters, all you need to do is use a large flat-bladed chisel and a mallet, and just hammer away. Then, you’ll need to clean out the debris. If you to smoothen your subfloor — you may want to rent a sander to do the job. Be sure to keep yourself protected. Use heavy-duty leather work gloves, safety glasses, and long-sleeved work clothes.

Step Three: Measure and lay out your floor. To know where to start and how to install ceramic tile on your subfloor, begin by measuring the length and width of your floor. This will help you estimate the number of ceramic floor tiles you will need to purchase. Then, find the center point of your floor area. You Measure across floor area and mark the center. Do this in opposite direction and mark the center, as well. The intersection of the two lines is the center of the floor area where you can start your tiling work. To help with your tiling, run chalk lines over the intersection lines. These chalk lines will help you with how to install ceramic tile and help you keep your tiling straight and organized.

Step Four: Start work on your ceramic tile installation

Your first tile should be placed at the intersection of the two lines you made. Then, bond it to your subfloor by using a thin set mortar, or a tile adhesive of your choice. Using a notched trowel for applying the mortar is best on how to install ceramic tile. But you may actually use the more common trowel variety is you don’t have one. To secure the ceramic tile in its place, press down while twisting it back and forth till the tile no longer is set. If some of the mortar or adhesive oozes out, use your trowel (or a damp sponge) to scrape off the excess. Do this process over with the next tile, and so on and so forth, until you’ve finished your ceramic floor tiling.

Step Five: Finish your tiling job by putting in the tiling grout and sealant

It’s time to put the tiling grout in once the tiles have settled. Tiling grout is a material that you should know more about when you want to know how to install ceramic tile flooring. Grout is tiling material made cement, sand and water, and a little color. It is used to fill in gaps and seal in the spaces between tiles. Tiling grout comes in a wide variety of color tints that may be matched to your tile color. Use a rubber grout float and work the tiling grout into the gaps between the tiles. Use your grout float at an angle so that you can fill in the joint gap with as much tiling grout as possible.

When you’re done with applying grout in between tile gaps, use a damp sponge to wipe off the excess grout. Rinse the sponge frequently to get as much of the excess grout off, and keep each tile clean. You have the option of applying a sealant to the grout lines after they dry.

Make sure you allow some time for the grout to dry before you apply the sealant. These setting periods last overnight, at the very least, to twenty-four hours, at the most. Your sealant has dried, you are done! Congratulations! Now, you know how to install ceramic tile flooring.

Check out more about ceramic floor tile installation . Find the complete guide on how to install ceramic tile .

Elegant uptown project – prestige misty water

When a child takes birth in beloved once family, persons celebrate that moment with utmost joy. Unlike/when someone dies/persons mourn from deep of their hearts. These are the truth of living & everyone faces them in his/her lifetime. Finest thing about living is that both the happy & sad days are taken place in a home. This is the place from where living of each & every person starts & goes to the end. In between birth & death, persons celebrate a number of occasions with their loved ones in their dwellings. One can say that living is completely connected with the home or housing place. Knowing this fact, renowned property company ATS Realty, has launched an exotic housing estate in Sector Zeta One of Greater Noida area. This housing society is named as ATS Dolce & envisaged to fill the living of persons with never ending happiness. On the other hand, it as well promises to help persons in come out from the sadness of adverse conditions. Expert team of ATS Realty is doing its best in order to develop a never before housing estate.

For Details of the Sobha Classic call @ 8971315026

Through the project, the company takes another step towards the fulfilment of persons demand. There are a lot of person’s living rooms in Greater Noida area who want to experience eco-friendly living room style. Hence, the entire project has been planned in a way so that persons could get optimum exposure of natural beauty. ATS Dolce faces towards the lush green landscape spread across the luxuriant piece of land. Addition to that, it is surrounded by pollution free atmosphere that creates salubrious ambience. Persons will never feel any inconvenience while living room inside the high end housing flat of this latest age housing society.Being located at Sector Zeta One, it offers superb connectivity to all important places of state capital Delhi & other adjacent cities including Agra, Faridabad & Ghaziabad. Pride of NCR i.e. F1 Racing Track is as well located at a short distance from here.

For pre launch offer of the Sobha Classic call @ 8971315026

Moreover, housing offerings in the form of luxuriously carved three & 3+1 Bedroom apartments are available here in the size of 1,500 square feet/1,800 square feet/2,300 square feet & 2,800 square feet. This project is being developed under the expertise of renowned property company ATS Realty. A number of high-rise housing societies have been so far developed by this coveted organization in various parts of Noida & Greater Noida area. Work of ATS Realty in the field of property is amazing & persons prefer this organization simply because of its consistent performance. These flats are adorned with comfortable interiors that promise to make each & every day pleasant & comfortable. Further, offers state-of-the-art facilities, like multi level security, 24X7 service of high speed elevator, international standard club house/class maintenance/all weather beautiful swimming pool, play region for kids/retail store/etc to its residents.

For The Bookings of the Sobha Classic call @ 8971315026

Property Mart is Leading Real estate Consultant in Bangalore Sobha Classic, Sobha Classicfrom past couple of years offering to Book Prestige New Projects in Bangalore. For Booking call us on: 08971315026 and Visit Out official site http://sobha-classic.propertytimes.org

The Importance of Finding An Expert For Floor Installation

Life is beautiful! Making your home beautiful by using floor tiles is every homeowner’s dream. It has numerous advantages. The advantages depend on the nature of the tiles and how they are handled by the installer. Tiles can look beautiful and long lasting to give the desired look when handled by well-tested experts’ hands. Therefore, it is an advice that you hire and to handle the job for you.

Tile floor installation service in Illinois is hot in demand for giving the needed and beautiful appearance of homes and at the same time giving the assurance of long lasting and durability. There you’ll find experts in different hues, styles, colors and sizes do the installation. These experts will do a neat work for you that you will and enjoy.

Hardwood is another beautiful type of flooring you would love dearly to have installed in your homes. If you are planning to install hardwood tiles, Illinois hardwood floor installation is the place you should visit. Whether you want to install a new hardwood floor or you want to work on the existing one, or just to add customize look to your house, hardwood floor installations in Illinois will be able to give you the best tiles you will love.

If you intend going for a quick and affordable installation that you will love to have, give trial to laminate flooring installation service in Illinois. Floor specialists and service providers are always at their feet to provide support to their customers.

Since the emergence of stone tiles, the demands for ceramic tiles have been on the decrease. Many people have replaced their old tiles and ceramic tiles with stone tiles. You can do your own replacement by hiring a competent stone tile floor installation services. This involves little cost. If you do not have the means to afford this, meet the experts to teach you how to remove the old flooring and install the new tiles to make the room beautiful.

It should of note that you should always look out for a professional anytime you plan to install tiles in your homes. To enable you get the best professional that will give you the best service delivery, stick to these simple tips:

Find out if the professional is certified and authorized, then discuss with them to find out if they can give you the service you need from them. Do not forget to talk about the cost and the requirements.

With your findings, you should be able to take a decision on the choice to make. However, you must ensure that you are making the right choice.

Overall, if you want to utilize the full benefits derived from the use of these tiles, you must seek the services of an expert to do your installation for you and assist in maintaining it.

For more information,visit this page, http://www.exclusiveflooringsinc.com/flooring-services.php

Why Hire a Maid Service?

Providing a clean and healthy home for your family is an important responsibility. This responsibility is time consuming, and perhaps is falling through the cracks. Or, spending time with your family might be slipping through the cracks because you are spending so much time cleaning!

What are the benefits of maid service? When you are trying to justify the additional cost of having a maid service as part of your usual budget, consider these benefits:

Extra time you can enjoy with your family. A maid service allows you to have a clean house and more time with your children. When your children are grown, you’re not likely to look back and think, “I wish I had spent more time cleaning!” Time is always of value, because it is finite.

Clean and healthier home. Professional maid services will use professional products and tools, including a HEPA vacuum, to keep your home healthy! And truly, some people just don’t clean their houses often enough. Sometimes time is a factor, and sometimes it is just not high enough on the priority list to get done as often as needed. Happy Homes Maid Service in Boise, Idaho, has a program called 24 Steps to Healthy Homes that will keep your home clean and healthy!

Professionally trained cleaners. Experienced cleaners can deal with all sorts of stains and cleaning jobs that you may not know how to treat. They also do things you may not do if it was left up to you, such as regularly high dust, wipe baseboards and trim, or edge your carpets.

What is important to look for in a maid service? Maids must be well trained and certified to provide the house cleaning services, should always understand your requirements and have quality controls in place. It’s always important to hire maids from a reputed and known maid service company who have a team of professional maids. Consider these things when looking at services to hire:

Insurance and bonding to protect you and your home. You do not want the liability on you. What if you hire your next door neighbor, or a friend of a friend, and she trips over your rug or cracked cement walkway, and all of a sudden you are covering her medical bills and loss in pay. It could be even worse than that if the person thinks she might make a bundle off suing you!

Background checked employees. This needs to be done through the police department, and includes a full FBI background check. Think about it: you are inviting people to be a part of your home, unsupervised. This is essential.

Green cleaning options. If you feel that the use of green cleaning products is important in your home, you will want to find a service that provides that option. Happy Homes Maid Service uses many green cleaning supplies and products are part of our cleaning process, and we have 100% green cleaning products upon request. This requires us to use products that will not kill bacteria, but there are many arguments for both sides of this new movement.

They provide equipment and supplies. A maid service that brings its own products and supplies is much more efficient, and can do a better job. One reason this is important is because the maids will be trained to use specific professional chemicals and tools, and will have the right tools for every job. If they need to use your products and supplies, they will have to stop and read labels or re-scan your products over and over to see what is available. A professional maid service also uses a top-of -the-line HEPA filtered vacuum to keep your home healthier.

One-Time Cleans. Many maid services will have some time available for one-time cleans. If you aren’t ready to hire maids on a regular basis, you might consider hiring a maid for heavy wear times, such as holidays or after having guests. Giving yourself a gift of just two or three housecleaning services can help you get through the stress of having parties and guests, or allow you to enjoy your holiday season and feel a bit pampered. You will want to call weeks in advance to get on their schedule, if not a month in advance, especially for holiday cleaning. Getting a spring clean once a year will help you keep up on your deep cleaning.

Deciding to hire a maid service is certain to lighten your load, and help you keep a healthier and happier home. Call Happy Homes Maid Service, a Boise house cleaning company, for a free estimate.

uptown project Divine uptown project

Raj Residency is a newly launched housing society located in Noida Extension & features many facilities that gives you a pleasant living room experience. Put forward by Addela Group this venture have some special factors that make it different from other projects. Apartments are available in different choices such as two bedroom/three bedrooms & four bedrooms units it has perfect location with great living environment. Letting you to enjoy the surroundings the project has maximum open area with many recreational centers that creates a latest world of greater opportunities & more fun with more entertainment activity. Taking you on the enhanced level of social living room it is a perfect place for start a bright future. The apartments offered in this venture are spacious & well constructed with high end interiors so that the residents gets a living full of positive energy. Maximizing the magnificence these flats are available in many options like & four bedrooms units with 1080 square feet to 1829 square feet floor area. Having huge floor plans the homes are efficiently designed with great detail & each and every brick is placed with extra care.
For Details of the Purva New Projects Hennur Road call @ 8971315026
Presenting the homes stuffed with comfort & wrapped in happiness Raj Residency Gaur City 2 takes you on the never ending journey of awesome standard of living & gives you a bright morning each and every day. The key feature of some project is its locality with developed surrounding & this venture in Noida serves best locality and one of the best connectivity in capital region. As an industrial hub & base of many MNC’s Noida is a hot spot to live, fulfilling require of home seekers this venture creates a perfect scenario consists of each and every facility at your door steps. Raising in the developed locality at segment 16C in Noida Extension it has close proximity with many shopping arcades well recognized schools academies & hospitals. Situated little kilometers from DND flyover it also has fast connectivity with Delhi and places around it. Developed on a green land Gaur Raj Residency Noida offers international infrastructure with traditional touch. The campus is spread over acres of area and consists of many recreational centers & entertainment centers. With go green theory, nature is mainly important part of the venture & there are many gardens & parks with sitting arrangements. Clubhouse with party lawn and swimming pool along with many gaming features make these homes attractive to everyone.
For pre launch offer of the Purva New Projects Hennur Road call @ 8971315026
The sole purpose of the venture is to bring nature at its original form where residents get a serene environment to stay. Addela Group is one of the largest growing real-estate firms in the capital region successfully dealing with growing need of class homes in the finest localities. The group is engaged in projects including integrated townships, residential & commercial complexes & encouraging the peoples to stay a life with enjoying more facilities. Involved in many successful projects the current Noida venture is also a masterpiece from them. Grabbing the attention of each and every class of peoples this master work is going to become another milestone in the history of housing projects. Raj Residency Gaur City 2 Noida Extension is an exquisite destination for the lovers of premium & exotic living room.
For The Bookings of the Purva New Projects Hennur Road call @ 8971315026

Property Mart is Leading Real estate Consultant in Bangalore Purva new projects hennur road , Purva new projects hennur road from past couple of years offering to Book Prestige New Projects in Bangalore. For Booking call us on: 08971315026 and Visit Out official site http://purva-new-project-hennur-road.propertytimes.org

Importance of Commercial Cleaning

In today’s world, every person is spending more time in their workplaces rather than in own home and family members. On the same time, it would be equally important to provide a clean, neat and tidy working environment for the employees. Research works have proved that comfortable and fresh official spaces can impart motivation and thereby increasing the productivity of human resources. At the same time, the workers can’t perform the office cleaning services by themselves. To sort out this problem, you can find several companies that offer residential and commercial cleaning services. However, it would be a difficult to choose the best cleaners in Sydney as there is large number of companies in the industry. If you wish to know more about such cleaning services and some tips in taking the right decision, then read on the article.

Residential and commercial cleaning services differ in many factors. When it comes to our family and residential places, we don’t compromise with quality and never bother about money expenses. We would only hire high quality services even it is expensive. On the other hand, business organizations should have an allocated budget for these activities. In this case, they would typically place tenders and give the contract to the low priced one. However, with the increasing awareness of cleanliness and strictness to follow government regulations, top authorities are giving prior importance for office cleaning. Apart from this, appearance of a business place plays a key role in retaining the potential customers towards the firm. There are several types of commercial cleaning services offered by the companies. Before starting the search, you must be pretty sure about your needs and demands. Like, whether your need daily, weekly or monthly services and what all office cleaning works you have to give them.

Emptying waste bins, removing trash, vacuuming floor and carpet are some of the tasks performed by cleaners. Other than simply removing waste materials, professional cleaners in Sydney are skilled enough in disposing it in a clean and safe manner. Make sure that the company you choose have the capabilities to cater massive variety of needs. Pick the company that possess liability insurance and well trained workforce. Give the contract for office cleaning services only to a trusted and experienced company. Enquire about their cleaning technologies and products used for it. You can even compare the rates and work of some set of commercial cleaning companies based on man power, their specialized services and quality. Always prefer the one that can provide a fast and reliable service. Hiring the services of reputed cleaners in Sydney would be easy if you are clear about your requirements and do a little bit of research for it.

We offer you the best carpet cleaning services in Sydney at reasonable prices. We have skilled persons, who provide quality commercial office cleaning and carpet cleaning services to you with advance cleaning methods and technology that will give you complete satisfaction in our work.

Do it Yourself Loan Modification- With Assistance From a Guide

The laws and guidelines are changing to make loan modifications easier for homeowners. Not more than a year ago the word ‘modification’ sounded scary and complicated. Homeowners had only heard of these words from attorneys or loss mitigation companies. Although sometimes they can be helpful if your situation is complicated (or you don’t have a little time to invest), many times it’s simply not necessary to spend thousands hiring a professional. A little knowledge from a good Do It Yourself Guide is all you need.

As banks begin to change and adapt to the situation that homeowners are now facing, they are learning to embrace the concept (and willingness) of offering loan modifications to their customers. In fact, many Banks prefer you don’t use modification companies at all. Chase, one of the largest banks, is an example of this. When you call their main mortgage customer help number, they have an outgoing message ‘warning of the use of 3rd parties modification services’. The message goes on the say that they do not charge money to complete a modification and it is not necessary to use a third party service to help with one’. Remember, professional services do not actually perform Loan Modifications, they only put your information together and present it to the bank. Ultimately, the decision is made by your current lending institution. However, I would not suggest speaking with your bank until you have done some research on your own as the approval process does require some qualification.

With just a little bit of knowledge, some understand of what banks are looking for, and a few hours of time you can do a loan modification yourself. For the most part, there are three main considerations when preparing your own modification:

1) Writing a detailed hardship letter explaining to the bank the circumstances behind why you are requesting a modification.

2) Preparing a monthly financial budget outlining your incoming, expenses and how your money is appropriated each month.

3) Understanding the debt to income formula that the Banks use so that you can maximize your potential for qualifying for the lowest possible mortgage payment.

With a little help from a Do-It-Yourself Kit, you will be able to prepare a hardship letter, construct a qualified monthly budget, and most importantly understand the purpose of the Bank’s Debt-To-Income (DTI) Ratio. Once you understand the process and the requirements, you will be able to prepare a proposal for your lender that will not only increase your chances of getting an approval, but maximize your payment reduction at the same time.

It is not necessary to pay $ 1,000s to a company for something that can easily be completed on your own. With help from a step by step Do-It-Yourself Guide, it is VERY possible to reduce your mortgage payment by 30% or more—for Free! This is a once-in-a-lifetime opportunity as banks have never been as flexible as they are now. Don’t wait, take advantage of this incredible opportunity.

J. Pisicchio is a mortgage professional with 20 yrs industry experience. Working at small banks & large institutions (Chase), he was formally trained as a credit analyst. His goal is to help consumers make the best financial decisions regarding their mortgage needs. For information on the Do It Yourself Modification guide, visit www.mortgageloanmodificationsecrets.com