STOP!...Before you make a huge mistake. Your home, your livelihood, and your quality of life may be at stake. Too many homeowners have been kept purposefully in the dark… Thank you for taking the time to contact me about solutions for distressed home owners. I’m Tracey Bartoletta,Perimeter Realty Group. I specialize in Loan Modifications, Short Sales, Debt Settlement and Pre Foreclosure Real Estate.I have been a Realtor and Investor for 16 years. I work all over the USA with100% of my business focused on helping people in need of solutions. As a result of the incredible economic challenges we all face today many good people are in trouble and loosing homes. I have great news though. If you take action, your situation can improve rapidly and exponentially! The truth is…You COULD try and do this all yourself with out assistance OR go get in line behind millions at some .gov website BUT do you have the time? Will the results be as good? Are your best interests really going to be looked after? Or you COULD…Get professional, experienced help that WILL get better results, faster and at the best possible terms. I am excited to let you know that I have several options to offer, something literally for everyone.Furthermore, let me reassure you that my team and I are not interested in taking someone's last dime and not delivering. We have loan mod programs with no money upfront required, guaranteed and so on. So don’t worry.This short presentation will give you all the information you need to make a sound choice. The systems I outline work and I have personally used them. Relief and financial breathing room can be yours very soon.Congratulations on taking action to get control of your financial futureI look forward to helping you and I welcome your calls.

Are You At Risk Of Loosing Your Home? Drowning In Debt? Struggling Financially?Facing Foreclosure? Stressed Out? Current or Behind In Payments? Can’t Sell?Would A Lower Mortgage Payments Help? It is time to take matters in to your own hands!

You Have Options If…You’re struggling to get out from under your mortgageYour loan has adjusted or is about to adjustYou’re facing foreclosureYou owe more than the property is worthYou need to reduce your monthly payment for any reasonYou are considering hiring a loan modification specialist or attorney

FACT: Most Americans Largest Debt is Their Home

As a homeowner, you have options!The Best Loan ModificationTheGoodShort SaleThe BadSell the HouseForbearanceand The UglyForeclosureBankruptcy

Foreclosure

Bankruptcy

You must decide: what is best for you?If you want to keep your home: you or a member of your household should have some income, even if small, and you need to have a real hardship. A loan mod may be a good option.If your are in foreclosure, 30 days to sale is about the closest realistic time frame for modsIf you can afford your mortgage payment now and you have assets and plenty of reserves a loan mod approval is unlikely.If you have no income at all you really should think about a short sale.

Let’s start with…The UglyForeclosureThe worst possible scenario !*Will leave you homeless and creditless for years to come *For the most part it is completely unnecessary

The Ugly: Chapter 13 BankruptcyA forced settlement on your creditorsIn some cases, you pay back close to 100% of the debts (especially secured debts, like mortgages), but on a 3, 5 or 7 year payout.Must be working and able to make paymentsDestroys your credit for aminimum of 7 years

The Bad: ForbearanceRequires you to come up with more out-of-pocket money each month.If you are thousands in arrears, the bank will stop the foreclosure process and give you two monthly payments instead of one.The loan on the past-due amount could be for 5 to 10 years with interest rates varying depending on your credit score, job history, and ability to pay.

Requires you to come up with more out-of-pocket money each month.

If you are thousands in arrears, the bank will stop the foreclosure process and give you two monthly payments instead of one.

The loan on the past-due amount could be for 5 to 10 years with interest

The Good: Short Sale and Rent BackBank agrees to take less than the house is worth or what they were originally owed on the loanYou do not receive any financial benefit from the transactionIn some cases, investor will rent you back the home at a lower monthly payment than the previous mortgage but this is becoming more and more rare. Better on your credit vs ForeclosureShort sales are good if you don’t qualify for a loan modification

The Best: Loan Modification…The Best…. Loan ModificationKeep your home and afford it!

That’s Where I Can Help!Empowering YouFinancially

Loan ModificationUnlike a refinance, you’re not borrowing any new money or getting a different loan!Instead, the lender may:Reduce or modify the interest rateExtend the term of the loanLower the principal amount owedChange the monthly paymentsCombine any of the above

Reduce or modify the interest rate

Extend the term of the loan

Lower the principal amount owed

Change the monthly payments

Combine any of the above

Reasons for a Loan ModificationYou don't qualify for refinancing You want or need a lower mortgage payment You owe more than your house is worthYou've fallen behind on your mortgage payments You’re current on payments but know you won’t be able to keep it upYou want to avoid or stop foreclosure proceedings You are living off of creditYour financial situation has gotten tough

You don't qualify for refinancing

You want or need a lower mortgage payment

You owe more than your house is worth

You've fallen behind on your mortgage payments

You’re current on payments but know you won’t be able to keep it up

You want to avoid or stop foreclosure proceedings

You are living off of credit

Your financial situation has gotten tough

Why Loan Modifications Make SenseYou stop foreclosure and keep your homeYou potentially reduce the principal amount owedYou can actually afford your homeYou could lengthen the term of your loanYou could fix a lower interest rate for the life of the loan without worry of an increase such as in an adjustable rate mortgage (ARM)YOU DO NOT HAVE TO BE BEHIND but IT IS OK IF YOU ARE

You stop foreclosure and keep your home

You potentially reduce the principal amount owed

You can actually afford your home

You could lengthen the term of your loan

You could fix a lower interest rate for the life of the loan without worry of an increase such as in an adjustable rate mortgage (ARM)

YOU DO NOT HAVE TO BE BEHIND but IT IS OK IF YOU ARE

This Could Be YouYou purchased your home in 2006 on a 3-year ARM scheduled to adjust next monthYou paid 200,000 for your home @ a 5 % teaser rateYour Total Monthly Payment is: $1,073.64Next month’s rate will adjust to 9.5 % making your new payment $1,681.71 = A $608.07 per month differenceWill this be affordable for you?

You purchased your home in 2006 on a 3-year ARM scheduled to adjust next month

You paid 200,000 for your home @ a 5 % teaser rate

Your Total Monthly Payment is: $1,073.64

Next month’s rate will adjust to 9.5 % making your new payment $1,681.71 = A $608.07 per month difference

This Could Be Your SolutionYou contact your lender and ask them to forego the adjustment and fix your payments at 4% interest for the next 35 yearsYour new monthly payment would be: $885.55A savings of $796.16 per monthTotal savings over the life of the loan $334,387.20Question: What would you pay to save over $300,000 and keep your home?

You contact your lender and ask them to forego the adjustment and fix your payments at 4% interest for the next 35 years

Your new monthly payment would be: $885.55

A savings of $796.16 per month

Total savings over the life of the loan $334,387.20

Options for getting your loan mod I offer three different solutions. Here is the first1. Easy Loan Modification System Software with step by step “follow me” instructions Experts on call with toll free support Allows you to take charge yourself and create the perfect work out package to send off to the lender. This is extremely affordable at thousands less then national average It comes with a no risk, written guarantee: You’ll get your loan mod or your money back. It worksLet’s cover the benefits In the next few slides

Software with step by step “follow me” instructions

Experts on call with toll free support

Allows you to take charge yourself and create the perfect work out package to send off to the lender.

This is extremely affordable at thousands less then national average

It comes with a no risk, written guarantee: You’ll get your loan mod or your money back.

It works

Let’s cover the benefits In the next few slides

With our loan Modification SystemYou will learn how to get lower payments from any bank on any mortgage and any loanYou will know in a few moments if you qualify for a Loan ModificationYou’ll get up-to-date tips and secrets to help you through the processThe best part is you are only a phone call away from a qualified Loan Modification SpecialistIt is easy, just pop the cd in your computer and answer the questions the system will create the perfect work out packageStick a stamp on it and send it off, the program will tell you to who and where…it is a no brainerYou can modify multiple loans for one low cost &don’t forget the car The System will tell you what to do!

You will learn how to get lower payments from any bank on any mortgage and any loan

You will know in a few moments if you qualify for a Loan Modification

You’ll get up-to-date tips and secrets to help you through the process

The best part is you are only a phone call away from a qualified Loan Modification Specialist

It is easy, just pop the cd in your computer and answer the questions the system will create the perfect work out package

Stick a stamp on it and send it off, the program will tell you to who and where…it is a no brainer

You can modify multiple loans for one low cost &don’t forget the car

The Software Does All the Work For You:No Headaches or Piles of PaperworkJust a Super Simple, Easy to Follow Program

Take a look it is this simple

With this Amazing Loan Modification System you won’t have to:Pay excessive fees to people who represent themselves as loan modification “experts”Pay per loanPay by the hour attorney ratesGo it alone as highly trained loan mod experts are ready to help Deal with a mortgage broker or loan officerPay excessive Lender ChargesShell out for Title ChargesLose precious time from work for appointments with banks and attorneysDeal with real estate attorneysGo cross-eyed reading and signing contractsWorry about being ripped off …

Pay excessive fees to people who represent themselves as loan modification “experts”

Pay per loan

Pay by the hour attorney rates

Go it alone as highly trained loan mod experts are ready to help

Deal with a mortgage broker or loan officer

Pay excessive Lender Charges

Shell out for Title Charges

Lose precious time from work for appointments with banks and attorneys

Deal with real estate attorneys

Go cross-eyed reading and signing contracts

Worry about being ripped off …

ROCK SOLID GUARANTEEName of purchaser______________________________________________Name of Loan Modification Consultant: Tracey Bartoletta 404-451-4469The bearer of this certificate is entitled to: A100% money back guarantee on the purchase of the Loan Modification program.Congratulations on your purchase! We are confident that if you follow our program,you will be approved for a loan modification.To obtain the guarantee, bearer must submit to original seller of the programa receipt of purchase for the price that was paid, as well as the workoutpacket that was submitted to the Lender and the original letter from theirlender stating that their loan modification was denied. Such denial letter mustbe on the Lender’s original letterhead or stationary and be the letter that wasprovided to the homeowner by their lender via US mail. Faxed, digital, orscanned copies of this letter are not acceptable as they can easily be altered.Upon receipt of this original denial letter from purchaser’s lender and a copyof the workout packet, as well as the entire loan modification package,complete with all cd’s, dvd’s and software in good working order, 100% of thepurchaser’s investment will be refunded within 30 days of submission.Purchaser’s Signature_____________________________________________

Another Example of Savings From A Loan Modification $300,000 loan, 30 Year Amortization, Principal and Interest Payments 6% = $1,798.00 per month5% = $1,610.00 per month4% = $1,432.00 per month Difference from 6% to 4% : $366 per mo.5 Year Savings: $21,96030 Year Savings:$131,760

5% = $1,610.00 per month

4% = $1,432.00 per month

Experience These Benefits With TheLoan Modification SystemReduce your monthly mortgage payments by modifying your loanAvoid or stop foreclosure proceedingsGet control of your debts and stop the stressModify mortgages on multiple properties and multiple loans ( autos, boats, rv’s, yes, works on investment properties! For one cost Skip the appraisal, title or escrow fees, and credit checks Fix your problem quicklyYour workout package will be just what the lender wants and needs to see = positive results for youLoan modification results can can cost upwards of 5,000 even 10,000 dollars! Not this one.

Reduce your monthly mortgage payments by modifying your loan

Avoid or stop foreclosure proceedings

Get control of your debts and stop the stress

Modify mortgages on multiple properties and multiple loans ( autos, boats, rv’s, yes, works on investment properties! For one cost

Skip the appraisal, title or escrow fees, and credit checks

Fix your problem quickly

Your workout package will be just what the lender wants and needs to see = positive results for you

You’ll GetLoan Modification SoftwareLoan Modification Specialist HotlineForms for Loan Modification (agreements, sample forms, etc)Your Comprehensive Loan Modification Guide Book4 Unbelievable Educational Audio CDsJam packed with your Available Options Banks Don’t Want You to KnowLoan ModificationShort SaleShort Sale & Lease BackLess Than Desirable Options and the Insider Secrets to Get Around ThemForbearanceBankruptcyForeclosureNegotiating Your Loan Modification / Finalizing Your TransactionDetailed explanation on the Software and how to Create a Workout Package that gets results!

For the cost of a Latte every couple of days for a year, you could save Hundreds of Thousands of Dollars over the lifetime of your loan!!!

Best of all, you’ll be in direct communication with your bank. No possibility of important things being lost in translation You Will Have 100% Control of Your Family’s Future!!!It is super easy, You can do this! If you are on a budget or strapped for cash this may be an awesome solution

Don’t allow yourself to lose:Your home Your face with friends and family, Your sense of pride in yourself this is not your fault Your happiness Take matters into your own hands today, your order will be shipped and at your door within just a few daysThe cost is only $995If you desire a more hands off approach, check out option 2

Your home

Your face with friends and family,

Your sense of pride in yourself this is not your fault

Your happiness

Option 2: Done FOR YOU loan modifcationsThis is a great option for anyone who is: done talking to the bank, fed up, po’d, frustrated, just to darn mad to keep cool willing to pay a little more to have an experienced professional negotiate on your behalf.Wants to be assured the job will get doneWould like to have no upfront costs

done talking to the bank, fed up, po’d, frustrated, just to darn mad to keep cool

willing to pay a little more to have an experienced professional negotiate on your behalf.

Wants to be assured the job will get done

Would like to have no upfront costs

NO UPFRONT COST MODSYES, YOU READ THIS RIGHT! THIS IS AN INDUSTRY FIRST!We will review your situation for free without obligation. Just email or call and I will send you a simple form. Answers are quick, usually within 48 hours or less. When our expert mitigators determine you are a good candidate for a loan mod we will get started right away. You pay nothing until it is approved.The cost at completion is only $2400 for the first mortgage. 2nd’s and 3rd’s at $400 each. Your file will be handled by seasoned professionals, negotiators with decades of loss mitigation experience.After you turn in the initial docs required by every lender you can just forget about it until it is done!

We will review your situation for free without obligation. Just email or call and I will send you a simple form.

Answers are quick, usually within 48 hours or less.

When our expert mitigators determine you are a good candidate for a loan mod we will get started right away. You pay nothing until it is approved.

The cost at completion is only $2400 for the first mortgage. 2nd’s and 3rd’s at $400 each.

Your file will be handled by seasoned professionals, negotiators with decades of loss mitigation experience.

After you turn in the initial docs required by every lender you can just forget about it until it is done!

Do you think our team mightwork pretty darn hard… considering no one get’s paid until the loan mod is approved?

Last but not least… The ULTIMATE weapon,Forensic Loan Audits OPTION #3 “POWER TO THE PEOPLE”

Front of the line, fast answers, a shift of power from them to you. All of this and more is possible with an audit. Let me explain. Remember that file folder you stuffed in a cabinet with the giant stack of papers from when you bought your house -Your closing papers? Well…do you think it is just possible a mistake or two might be found? That entire stack of papers is subject to very strict rules and regulations. Have you ever heard of “ federal truth in lending laws, Respa violations and so on? Big, heavy, serious stuff. We have professionals trained in loan audits that can identify errors, omissions, and major problems.Become a v.i.p. at your bank

What can errors mean for you?At the very least, a loan mod that is accompanied by a forensic loan audit showing errors has teeth. The chances of extremely fast, generous and excellent results are much increased.Your file will likely be handled in the lenders legal department not the loss mit department. Bottom line is that you would be in a position of much more control, demanding and receiving attention.You may be wish to seek an attorney to pursue damagesSome home owners have had entire mortgages completely forgiven due to errors found in audits.

Forensic Loan Audits Can you afford not to?As I have described in this presentation I am excited to be able help people with out taking any money up front and or only working with professionals who offer money back guarantees. The audit is an exception, as it is so labor intensive and requires the highest level of line by line attention. You are paying for a detailed professional service Folks, this is awesome and powerful. The cost is only $995.An audit may change your life for years to come. The frequency of errors found is large. It IS NOT like finding a needle in haystack. Errors are rampant!

So I want a mod, “but, will I qualify?”I know it is a no brainer that everyone will want to save big money on loans. Here is the good news. It is pretty easy to qualify. Here are a few basics. 1.You need some income coming in even if far less then what you used to make. Banks won’t approve you if you have zero coming in. 2.You need a real hardship, Lack of money is a real good choice  Plenty more examples, divorce, death, medical etc. 3.You can’t have buckets of money laying around. The system works great for those who have a real need. I won’t waste your time or mine if you are financially secure. Why would the bank help you if you can afford to pay? It is real common sense stuff. I welcome your call or email to go over your situation. About 80% of the people who call me are good candidates for a loan modification. The other 20% include10% who need a short saleand 10% who are rich guys who want to ride the wave & stick it to the bank because jet fuel is so high. I can’t help those guys.

To stop the stressYou simply need to let me know which is best for you:Option 1 Simple Very Low Cost Loan Mod Software with a money back guarantee $995Option 2 Done For You Professional Loan Mod Service with no upfront costs pay when completed $2400Option 3 Add The Power Of An Audit to uncover mistakes and possibly change the everything $995

Sometimes it is nice to put a face with a name… This is me, Tracey. I will be 40 in September and if I am lucky enough to have 40 more years I intend on making a big difference in the world. I hope I can start by helping you. Have a great day!TraceyBartoletta@Gmail.com 404-451-4469 3330 Cobb Parkway Ste 17 Acworth Ga 30101

Would you like to help others?Many of my customers are Realtors, Loan Officers and folks in related industry that want to get in to the loan modification business after going though it themselves. Let me tell you that I love doing this more then anything I have ever done.If you like to listen, talk and enjoy mentorship you can make an excellent living while changing lives. It is a real blessing. People who need this helpare all around you… friends, family, co workers, past customers, many desperate for a life line. The options I offer are the best of the best. I put my name behind thembecause they work. People all over the country are getting excellent results.Feel free to call me about how you can get started doing what I do. This is a real business with a low start up cost. It is far cheaper then any franchise, not multi level marketing or anything “creepy” for that matter! If you are a person of excellence with integrity & kindness contact me and I’ll help you.

Thank you for your time! Advice is free and with out obligation!Contact Tracey via email TraceyBartoletta@Gmail.comCell 404-451-4469