All licensees may go to the SOFTWARE APP page on this site which allows all preparation and calculations of HELPPR™ loan mod loans whether part of a new residential loan for future use if and when needed, or for the modification of any existing residential loan. All data can be printed out, once the small royalty fee is paid on that site for that single use of the plan for a particular borrower.

To use the Software App, simply fill in your chosen user id on the Non-Exclusive Licensing Agreement form, and submit it as directed, and you will then receive a password to use with your user id along with your approved license, by return email, for all future uses of the Software App.

There is no fee to become a licensed user of the HELPPR™ Plan, a loan modification plan that is protected under a US Patent and by Copyrights on the loan doc verbiage needed for the Plan to be added either to existing loan docs or to do a loan modification for any existing loan when and if needed.

To be eligible to be licensed to use the Plan, you, or your company, must either be a lender of residential loans, or a loan doc provider/servicer.

The license form below should be read, signed and forwarded to us, at Loans That Help, and we will return the approved license to all eligible applicants promptly.

Please note that the licensed lender agrees to charge a royalty fee to the borrower for each use of the Plan, and the ender is entitled to keep 50 percent of that fee for lender’s work in providing the Plan to the borrower.

The half of the fee that goes to Loans That Help is either paid directly by the lender for each use, or can be paid via a licensed loan docs provider/servicer company if the lender deals with one. Only one check needs to be paid by Licensees monthly, to Loans That Help, for all uses of the HELPPR™ Plan each month.

The royalty fee for each use is $40, and we at Loans That Help recommend that the lender using the plan should charge the borrower an $80 fee for each use. The plan provides excellent protection for the borrowers, as well as to lenders and loan investors, so that fee is very reasonable.

Access License Application


Licensor, Edward Marshall, doing business as Loans That Help, hereby approves the non-exclusive licensing of ________________________________________ as Licensee effective upon the date of signing hereof by Licensor. Either party shall have the right to cancel this Agreement with 30 days written notice to the other party. Upon such cancellation, Licensee shall no longer have the right to use the licensed items described herein.

Licensor is the sole owner of US Patent #8,666,883, and of the related Copyrighted verbiage, both of which comprise the HELPPR™ Plan, a loan modification plan for residential loans. The Copyrighted verbiage is for adding the HELPPR™ Plan to new residential loans, to prevent losses by lenders, loan owners, loan investors and borrowers should there be borrower defaults or inability to make monthly payments at any time during the loan; and there is also Copyrighted verbiage to be added to loan modification loan notes for any existing residential loan, that will then contain the HELPPR™ Plan.

There is no charge to Licensee for receiving this non-exclusive licensing. Royalty fees are to be collected by the Licensee from borrower loan clients for each use, whether for a new loan or a modified loan that contains the HELPPR™ Plan. The royalty fee for each use is $100, except the fee is reduced to $80 per use for private lenders who are members of the American Association of Private Lenders (AAPL). It should be noted that Licensor is a member of AAPL. All private lender Licensees may retain 50% of each collected royalty fee in consideration of their usage of the HELPPR™ Plan, the service provided for each use by said Licensee, and for forwarding those fee amounts to Licensor, as described below. All royalty payments to Licensor are to be checks made out to Loans That Help, mailed to PO Box 57231, Sherman Oaks, CA 91413.

Licensee, if a private lender can forward 50% of the royalty HELPPR™ fee upon the loan closing, to the lender’s loan docs provider/servicer, if such servicer is licensed by this Agreement; or said fee could be collected by the licensed loan docs provider upon sale of the loan docs to the private lender. In either case the loan docs provider shall promptly forward said fees to Licensor. If Licensee is a private lender who does not work with a loan docs provider/servicer, the private lender is to promptly forward the 50% of the collected royalty fee directly to Licensor. Licensed loan docs providers may retain a $12 fee for each royalty collected from licensed private lenders and forwarded to Licensor. Upon Licensing, all Licensees shall promptly receive, from Licensor, emailed copies of the Copyrighted HELPRR™ loan docs verbiage, both the verbiage intended for new residential loans, and the verbiage intended for loan modification of any existing residential loan.

Licensor is totally exempted from any liability or damages resulting from exercise of this license or the invention, the HELPPR™ Plan, or any such claims by Licensee. Licensee agrees to promptly inform Licensor of any known infringement of Licensor’s US Patent or Copyrights that comprise the HELPPR™ Plan. Any unauthorized use of the patent or copyrighted material is strictly prohibited and Licensor’s rights will be enforced to the fullest extent of the law.

Any Licensee may choose to make only one payment for each month, of all fees owed, to Licensor.

Licensee is to provide the information below, and sign and date this Agreement.

Licensor will then provide Licensor’s information, sign, date and return a copy to Licensee by email, provided the information regarding Licensee meets the requirements for licensees for use of the HELPPR™ Plan.


  • You will receive a password with your approved License Agreement.


Edward Marshall, as authorized signer for Loans That Help Email address: Phone number (310) 528-4392 Mailing address for royalties: PO Box 57231, Sherman Oaks, CA 91413
Signature of Licensor _________________________________ Date  ____________________________________

CLICK here to download this free “NON-EXCLUSIVE LICENSE AGREEMENT” as a PDF so you can print it out, complete it and email it to us at, or fax it to us at (310) 388-3137. We will review it, sign it if appropriate, and return it to you quickly by email or by fax, whichever way you sent it to us.