Short Pay Refinance

Allows the lender to typically capture a higher “net” amount over the very common short sale transaction alternative to an eminent foreclosure, with the Short Pay Refinance allowing the Homeowner to retain the home instead of the sale of it at market value.

Delinquent Note Investor Purchase and Restructure at Market Value

As many homeowners have already experienced, the lenders often sell or transfer the actual “Note” or loan to a new investor instructing the homeowner to send the future payments to that new investor. This can be accomplished strategically to a pre-designated investor that will restructure the “transferred” purchased Note at a pre-agreed upon Market Value price on a 30 year Fixed term allowing a lower interest only payment for the first few years without any prepayment penalty ultimately resulting in what most homeowners desire but are not receiving from their existing lender on a voluntary basis, a permanent principal reduction and an affordable new monthly payment.

Voluntary Lender Loan Modification (H.A.M.P)

Home Affordable Modification Program otherwise known as the Obama Plan, will allow a reduced interest rate with a floor of 2% and a maximum extended term of 40 years to reach a target monthly payment of no more than 31% of the Gross Provable income. In the event the maximum term extension and the floor rate reduction will not allow the target payment to be reached this program allows the necessary principal balance to be addressed at the lenders discretion to allow the Principal, Interest, Tax and insurance payment to reach the target 31% of the provable Gross Income.

Voluntary Home Affordable Refinance Program (H.A.R.P)

Home Affordable Refinance Program will allow specific Loans owned or serviced by GSP’s (Fannie Mae) to be refinanced by Fannie Mae (O.A.C) up to 125% of current market value under specific conditions that allow the existing homeowner to obtain a new loan at 25% more than today’s market value at much more liberal terms than acquiring a new loan from a different source. The difference from the old loan and the new 125% LTV can be addressed as being paid off by the consumer, carried as a second, and treated as a Balloon based on the existing lenders discretion.

Various Law Suit Settlement Options, such as a Note Restructuring, through a Forced Settlement

allowing the existing lender to avoid more expensive and more damaging legal alternatives through a voluntary settlement of litigation, that would not previously be granted, in lieu of the potential of continued litigation cost.

Short Sale of a Property

With concessions from Lender, allows the homeowner to avoid an eminent foreclosure by allowing a new purchaser of the existing home at a value less than what would be needed to pay off the full loan, giving existing lender a “less than full balance owed” or a sale short of required amount.

Liquidation requesting rescission provisions granted through a Forced Settlement

allows the Lender Bank, Beneficiary or Investor of existing Note to receive a very much needed CASH INFUSION in exchange of reducing bank’s exposure to potential or continued litigation, while requesting very important consumer protection provisions for the homeowner, that would be associated with a court ordered cancelation or rescission of the mortgage contract, freeing the borrower from the killing burden of the mortgage.

Consumer property Upgrade through a Forced Settlement

Allows the homeowner to take advantage of the current market conditions and purchase a much greater property, more expensive improved area or both that may not have been affordable in the past while being allowed to exit a potentially over encumbered loan that may be unaffordable

Lender Violation & Fraud Detection

 We take an experienced overview of how and when your loanwas originated and serviced as well as the adherence to specific state and federal laws commonly violated to show the probability level of specific statutes thatmay constitute your loan contract(s) unenforceability by law.

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