The company was created to offer homeowners an alternative when seeking mortgage help.  Homeowner Toolbox recognizes that many homeowners are mislead or misinformed about loan modification programs.  The creators of the company have found that many think they need to be behind in their mortgage to be eligible for a loan modification – this is a myth!  Many homeowners also feel they need to show their lender that they don’t have any money remaining after expenses to cover the mortgage – another myth!  This new automated tool works with the homeowner to improve the presentation of their financial situation and increase their odds for a favorable loan modification.  Even those at risk of losing their home can benefit from the Homeowner Toolbox, which provides options for maintaining ownership and improving the terms of a mortgage. 

In efforts to conform to NFMC statistics showing that “troubled borrowers who receive foreclosure prevention counseling are 60 percent more likely to avoid foreclosure than borrowers who don’t receive counseling”, Homeowner Toolbox, Inc. created www.counselordirect.com .  With the implementation of this new web portal, Homeowner Toolbox, Inc. has made arrangements and alliances with counseling partners to ensure our users get the best chances of receiving the best outcome.  Although our formulas have been tested and proven to work in the past, we now find ourselves in an environment that calls for additional representation and support in order to eliminate any miscommunication, or mistaken decline.

With the company’s proprietary Web-based, guided solution, homeowners now have their financial future in their own hands - for FREE.