Well Don, then I'll whisper this, modifying a NPN is the same as making a new loan, if the note is residential, owner occupied, then someone qualified to make that type of loan needs to do the modification.

@Joe Gore   I think we will start calling you the NOTE WHISPERER  your the only one on the forums who can pick up the phone and talk to all these banks in all these different markets and get a heads up on notes coming on the market...

The butcher leans over and whispers "Some people like to pay more."

I keep hearing the whispers of direct mail.

You'll have problems later in financing if you even whisper those words, use the option price.

I like him very much as a person, but I also like him as a wholesaler because he works with another fellow who is always coming up with great creative financing ideas and is like the "seller-whisperer".

We're having a meet-up this Friday at Whispers Cafe and Creperies in North SJ.  

I think all of us newbies should adopt the buddy system, somebody to lean over and whisper "PULL THE TRIGGER ALREADY !"

Trust me, some of his family or friend will be whispering lawyer. 

My soon to be architect whispered in my ear that I "might be able to" and this has now aroused my curiosity of making some extra income at a conservative reno budget.