I have an immediate bill loan modification kit. It is different from the others as it is completely interactive. After they purchase the kit the customer logs onto our web site and enters their information. Within an hour or so they have a complete application which is sent directly to the loss mitigation department of their bank (we supply that information to them as well). It is an immediate billed program so you will have to get credit card information. You will know immediately that your sale is good. No more waiting for the loan to close to get paid. The program is $600 and payment to you is $300. You will supply your own leads. You can call 7 days a week in all 50 states. You are paid the following week for any sales you do this week.