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Today’s Home Solutions of America
Be a part of the home solution
"Eliminate" Negative Equity with Our Principal Reduction
 Today’s Home Solutions of America
 We purchase notes at a discount, based on
market value, which are then liquidated th...
This program is:
A MORTGAGE PRINCIPAL
REDUCTION
A TERM REFINANCING
HOMEOWNERS LAST CHANCE
TO REGAIN EQUITY
It is not:
A SH...
We REFINANCE homeowner a NEW LOAN with a new lender
90% approval ratio 100% money back guarantee 90-180 days turnaround
We...
 We package notes from the same lender in bulk
of 20,30,50 notes or more
 We acquire a broad array of performing and non...
• Loan Amount Interest Rate Monthly Payments
• 1st Loan $150,000 7.5 % $ 1048.82
• 2nd Loan $ 50,000 9.0 % $ 449.86
• Tota...
Your old mortgage
payment
$1,498.68+T/I /
month
You Save
$884.72 month
Your NEW
mortgage payment
$ 613.96 + T/I /
month
Th...
Doesn’t
matter if…
• Current in
payments
• Behind in
payments
• Upside down
Regardless
of…
• Loan To Value
• High Debt To
...
 We will refinance your property once we have
purchased the note into any conventional loan
program that you will qualify...
 PRINCIPAL REDUCTION PROGRAM
 $1,595.00
› Application Fee
› 3 appraisals,
› 2 credit reports
› 2 title O&E policies
› Pr...
• Principal Reduction Application
• Borrower’s Authorization
• Statement of Information Sheet
• Client Information Work Sh...
• Mortgage Statement(s) (1st and 2nd)
• Income Documentation (pay stubs “30 days”, W-2, 1099)
• Hardship Letter – (Negativ...
• Direct 888-392-8640
• Fax 813-315-6004
• Info@TodayHomeSolutions.com
• http://www.TodayHomeSolutions.com
Today’s Home So...
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Principal Reduction - FloridaPrincipalReduction.com

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Transcript of "Principal Reduction - FloridaPrincipalReduction.com"

  1. 1. Today’s Home Solutions of America Be a part of the home solution "Eliminate" Negative Equity with Our Principal Reduction
  2. 2.  Today’s Home Solutions of America  We purchase notes at a discount, based on market value, which are then liquidated through refinancing for a profit.  We offer a 100% money back guarantee refinance with principal reduction
  3. 3. This program is: A MORTGAGE PRINCIPAL REDUCTION A TERM REFINANCING HOMEOWNERS LAST CHANCE TO REGAIN EQUITY It is not: A SHORT SALE A FORBEARANCE A DEED IN LIEU OF FORECLOSURE A LOAN MODIFICATION FOR THE UNEMPLOYED
  4. 4. We REFINANCE homeowner a NEW LOAN with a new lender 90% approval ratio 100% money back guarantee 90-180 days turnaround We BUY notes in bulk from the existing lender at a discount Must have 45% Debt-to-Income ratio on the new proposed loan Must be able to prove income Must be upside down at least 25%
  5. 5.  We package notes from the same lender in bulk of 20,30,50 notes or more  We acquire a broad array of performing and non- performing debt instruments and real estate.  We refinance notes with FHA-VA-Conventional & private lending companies
  6. 6. • Loan Amount Interest Rate Monthly Payments • 1st Loan $150,000 7.5 % $ 1048.82 • 2nd Loan $ 50,000 9.0 % $ 449.86 • Total Loan $200,000 $ 1498.68+ T/I CURRENT MORTGAGE: • Current Market Value (CMV) / Broker Price Option (BPO): $100,000 • Loan Amount Interest Rate Monthly Payments • Loan $90,000 (90% CMV) 7.25 % $613.96 + T/I NEW MORTGAGE ESTIMATES: • Instant monthly savings = $884.72, Eliminate $110,000 of NEGATIVE EQUITY! • You Gain 10% Instant Equity (APR 7.431) Savings
  7. 7. Your old mortgage payment $1,498.68+T/I / month You Save $884.72 month Your NEW mortgage payment $ 613.96 + T/I / month That’s $10,616.64 / year *BASED ON 7.25 % INTEREST APR 7.431%
  8. 8. Doesn’t matter if… • Current in payments • Behind in payments • Upside down Regardless of… • Loan To Value • High Debt To Income Ratio’s • Alternative Income Allowed The solution… • We BUY notes in bulk from the existing lender at a discount • We REFINANCE homeowner a NEW LOAN with a new lender
  9. 9.  We will refinance your property once we have purchased the note into any conventional loan program that you will qualify for.  If your credit is damaged and you cannot qualify through conventional refinancing, then we will place you with our private investors on the following program. › 30 year fixed rate › Prime + 4% › 3 Year Pre-Payment Penalty with Private Lender
  10. 10.  PRINCIPAL REDUCTION PROGRAM  $1,595.00 › Application Fee › 3 appraisals, › 2 credit reports › 2 title O&E policies › Processing › 100% money back guarantee if we can’t reduce your principal with in 180 days
  11. 11. • Principal Reduction Application • Borrower’s Authorization • Statement of Information Sheet • Client Information Work Sheet Application
  12. 12. • Mortgage Statement(s) (1st and 2nd) • Income Documentation (pay stubs “30 days”, W-2, 1099) • Hardship Letter – (Negative Equity is a hardship) • Hazard Insurance (Declaration pg.) • Copy of Driver’s License(s) • Copy of Social Security Card(s) • All Correspondence Letters (from Lender to Borrower) • Loan Modification Documentation – if Applicable • Property Tax Statement • $1,595 payment in cashier check or money order Documentation and Payment
  13. 13. • Direct 888-392-8640 • Fax 813-315-6004 • Info@TodayHomeSolutions.com • http://www.TodayHomeSolutions.com Today’s Home Solutions of America

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