LoanModCreator.com offers a 90-day money back guarantee policy on LoanMod Creator online program. Refund will be offered at 100% of the purchase price, less a $95 administrative fee to use the on-line LoanMod Creator program, ONLY when vendor receives a copy of the denial letter sent to the borrower from the first mortgage lender of the primary residence. (MONEY BACK policy does not apply to INVESTMENT PROPERTIES). The denial letter needs to be received at our corporate office within 90 days of purchase. The borrower must have followed all his/her lender requirements to be considered. Borrower agrees that if lender offers a modification, but that is not to the satisfaction of the borrower, then LoanModCreator.com is not required to provide refund.") You need to send your request to support@LoanModCreator.com support via email or phone (contact us) prior to the refund/credit/transfer deadline. You will then get the confirmation email from us.