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People Need You!
People Need You!

• 80,000,000 American homes
People Need You!

• 80,000,000 American homes
People Need You!

• 80,000,000 American homes

• 56,000,000 homes with a mortgage
People Need You!

• 80,000,000 American homes

• 56,000,000 homes with a mortgage
People Need You!

• 80,000,000 American homes

• 56,000,000 homes with a mortgage

• 8,000,000+ delinquent mortgages
     ...
14.4% of Borrowers
The Big Problem


        Almost 100% of
            30 day
     delinquencies default
How are you helping your neighbors?
Focus on Your Clients’ Needs

     You can make a difference
Focus on Your Clients’ Needs

     You can make a difference



   Doing Nothing Is
    Not a Option
Loss Mitigation Options

   • Loan Modification
   • Foreclosure
   • Deed-in-Lieu of Foreclosure
   • Short Sale
HAMP Formula

Target payment is 31% Front End DTI
HAMP Formula

Target payment is 31% Front End DTI

• Interest rate reduced to floor of 2%
HAMP Formula

Target payment is 31% Front End DTI

• Interest rate reduced to floor of 2%
HAMP Formula

Target payment is 31% Front End DTI

• Interest rate reduced to floor of 2%

• Term extended to as long 480 ...
HAMP Formula

Target payment is 31% Front End DTI

• Interest rate reduced to floor of 2%

• Term extended to as long 480 ...
HAMP Formula

Target payment is 31% Front End DTI

• Interest rate reduced to floor of 2%

• Term extended to as long 480 ...
The No-Upfront Fee Sales Process
The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
  Modification Process
The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
  Modification Process
• Request Mortgage Statemen...
The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
  Modification Process
• Request Mortgage Statemen...
The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
  Modification Process
• Request Mortgage Statemen...
The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
  Modification Process
• Request Mortgage Statemen...
Payment Schedule
Payment Schedule


$0 upon completion of Loan Mod Application
Payment Schedule


$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation
Payment Schedule


$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation
-$600 dis...
Payment Schedule


$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation
-$600 dis...
Don’t do it for the money…
Refer them to a trusted source…
Don’t do it for the money…
Refer them to a trusted source…

Finders Fee Program
Don’t do it for the money…
Refer them to a trusted source…

Finders Fee Program
$300 for each modification
When a Loan Modification isn’t Suitable


   USHLA will automatically
 review, pre-qualify and present
  short sale option...
Short Sale Income Opportunity

Short Sale Finders Fee

$300 for each successful short sale negotiation
Short Sale

Sell the property for less than the mortgage balance
Short Sale

Sell the property for less than the mortgage balance


   Salient Benefits to Homeowner
Short Sale

Sell the property for less than the mortgage balance


   Salient Benefits to Homeowner
   - Sells home vs. lo...
Short Sale

Sell the property for less than the mortgage balance


   Salient Benefits to Homeowner
   - Sells home vs. lo...
Short Sale

Sell the property for less than the mortgage balance


   Salient Benefits to Homeowner
   - Sells home vs. lo...
Free Short Sale Negotiations
Free Short Sale Negotiations
• Investor Makes Offer on Property
Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Esta...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Free Short Sale Negotiations
•   Investor Makes Offer on Property
•   USHLA Negotiates Price
•   USHLA Negotiates Full Rea...
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
...
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
...
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
...
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
...
Double Your Commission In Half the Time
Sell it once, get paid twice
 Transaction 1
  • Get Listing Agreement from Seller
...
Double Your Commission In Half the Time
Once BPO established
Transaction 2
• Establish price to sell within 30 days of lis...
Professional Fees Earned
• Real Estate Agents earn full commission
  on both transactions
• Mortgage Originators get to co...
Short Sale Income
Opportunities Program
         Affiliate
      25% of the net proceeds
Short Sale Income
Opportunities Program
         Affiliate
               25% of the net proceeds
   Estimated 90 Day BPO ...
Short Sale Income
Opportunities Program
         Affiliate
               25% of the net proceeds
   Estimated 90 Day BPO ...
USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
USHLA Does 97% of the Work
   Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
USHLA Does 97% of the Work
   Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
USHLA Does 97% of the Work
   Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price...
USHLA Does 97% of the Work
     Affiliate Gets 25% of the Profit
•   Investor Makes Offer on Property
•   USHLA Negotiates...
USHLA Does 97% of the Work
     Affiliate Gets 25% of the Profit
•   Investor Makes Offer on Property
•   USHLA Negotiates...
USHLA Does 97% of the Work
     Affiliate Gets 25% of the Profit
•   Investor Makes Offer on Property
•   USHLA Negotiates...
USHLA Does 97% of the Work
     Affiliate Gets 25% of the Profit
•   Investor Makes Offer on Property
•   USHLA Negotiates...
USHLA Does 97% of the Work
     Affiliate Gets 25% of the Profit
•   Investor Makes Offer on Property
•   USHLA Negotiates...
Short Sale Income Opportunities
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
Short Sale Income Opportunities
  $495 – One-time set up fee Includes:
       • USHLA’s Short Sale Software
       • Short...
The Fine Print


  *Affiliate will not be entitled to, nor receive,
  any finders fee or percentage of the
  transaction p...
Stay Focused on Your Job!
Rely on a Trusted Partner
Learn More…




Referral Partner Inquiries   Affiliate Inquiries
Contact Sandi Shaner         Contact Greg Thran
Phone | (...
Double Your Commissions in Half the Time Doing Short Sales
Double Your Commissions in Half the Time Doing Short Sales
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Double Your Commissions in Half the Time Doing Short Sales

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Double Your Commissions in Half the Time Doing Short Sales

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  • Transcript of "Double Your Commissions in Half the Time Doing Short Sales"

    1. 1. People Need You!
    2. 2. People Need You! • 80,000,000 American homes
    3. 3. People Need You! • 80,000,000 American homes
    4. 4. People Need You! • 80,000,000 American homes • 56,000,000 homes with a mortgage
    5. 5. People Need You! • 80,000,000 American homes • 56,000,000 homes with a mortgage
    6. 6. People Need You! • 80,000,000 American homes • 56,000,000 homes with a mortgage • 8,000,000+ delinquent mortgages …and growing
    7. 7. 14.4% of Borrowers
    8. 8. The Big Problem Almost 100% of 30 day delinquencies default
    9. 9. How are you helping your neighbors?
    10. 10. Focus on Your Clients’ Needs You can make a difference
    11. 11. Focus on Your Clients’ Needs You can make a difference Doing Nothing Is Not a Option
    12. 12. Loss Mitigation Options • Loan Modification • Foreclosure • Deed-in-Lieu of Foreclosure • Short Sale
    13. 13. HAMP Formula Target payment is 31% Front End DTI
    14. 14. HAMP Formula Target payment is 31% Front End DTI • Interest rate reduced to floor of 2%
    15. 15. HAMP Formula Target payment is 31% Front End DTI • Interest rate reduced to floor of 2%
    16. 16. HAMP Formula Target payment is 31% Front End DTI • Interest rate reduced to floor of 2% • Term extended to as long 480 months
    17. 17. HAMP Formula Target payment is 31% Front End DTI • Interest rate reduced to floor of 2% • Term extended to as long 480 months
    18. 18. HAMP Formula Target payment is 31% Front End DTI • Interest rate reduced to floor of 2% • Term extended to as long 480 months • Principal deferred within NPV guidelines
    19. 19. The No-Upfront Fee Sales Process
    20. 20. The No-Upfront Fee Sales Process • Free Consultation and Explanation of Modification Process
    21. 21. The No-Upfront Fee Sales Process • Free Consultation and Explanation of Modification Process • Request Mortgage Statement, Bank Statements and Proof of Income
    22. 22. The No-Upfront Fee Sales Process • Free Consultation and Explanation of Modification Process • Request Mortgage Statement, Bank Statements and Proof of Income • Determine Eligibility
    23. 23. The No-Upfront Fee Sales Process • Free Consultation and Explanation of Modification Process • Request Mortgage Statement, Bank Statements and Proof of Income • Determine Eligibility • Present Results and Options to Borrower
    24. 24. The No-Upfront Fee Sales Process • Free Consultation and Explanation of Modification Process • Request Mortgage Statement, Bank Statements and Proof of Income • Determine Eligibility • Present Results and Options to Borrower • Complete Application
    25. 25. Payment Schedule
    26. 26. Payment Schedule $0 upon completion of Loan Mod Application
    27. 27. Payment Schedule $0 upon completion of Loan Mod Application $3595 upon offer that improves borrowers situation
    28. 28. Payment Schedule $0 upon completion of Loan Mod Application $3595 upon offer that improves borrowers situation -$600 discount for on-time payment
    29. 29. Payment Schedule $0 upon completion of Loan Mod Application $3595 upon offer that improves borrowers situation -$600 discount for on-time payment $2995
    30. 30. Don’t do it for the money… Refer them to a trusted source…
    31. 31. Don’t do it for the money… Refer them to a trusted source… Finders Fee Program
    32. 32. Don’t do it for the money… Refer them to a trusted source… Finders Fee Program $300 for each modification
    33. 33. When a Loan Modification isn’t Suitable USHLA will automatically review, pre-qualify and present short sale options, if suitable, to all Loan Modification clients referred to USHLA
    34. 34. Short Sale Income Opportunity Short Sale Finders Fee $300 for each successful short sale negotiation
    35. 35. Short Sale Sell the property for less than the mortgage balance
    36. 36. Short Sale Sell the property for less than the mortgage balance Salient Benefits to Homeowner
    37. 37. Short Sale Sell the property for less than the mortgage balance Salient Benefits to Homeowner - Sells home vs. loses home
    38. 38. Short Sale Sell the property for less than the mortgage balance Salient Benefits to Homeowner - Sells home vs. loses home - Net proceeds are same as in foreclosure
    39. 39. Short Sale Sell the property for less than the mortgage balance Salient Benefits to Homeowner - Sells home vs. loses home - Net proceeds are same as in foreclosure - Participate in transition plan
    40. 40. Free Short Sale Negotiations
    41. 41. Free Short Sale Negotiations • Investor Makes Offer on Property
    42. 42. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price
    43. 43. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission
    44. 44. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank
    45. 45. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow
    46. 46. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow
    47. 47. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • Cost to Real Estate Agent $0
    48. 48. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • Cost to Real Estate Agent $0 • Cost to Homeowner $0
    49. 49. Free Short Sale Negotiations • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • Cost to Real Estate Agent $0 • Cost to Homeowner $0 * Property must meet qualifying criteria
    50. 50. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1
    51. 51. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller
    52. 52. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller • Send Listing to USHLA (Do not post on MLS)
    53. 53. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller • Send Listing to USHLA (Do not post on MLS) • USHLA investor makes cash offer (Sell Property 1st Time)
    54. 54. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller • Send Listing to USHLA (Do not post on MLS) • USHLA investor makes cash offer (Sell Property 1st Time) • Bank does BPO (Listing agent helps influence)
    55. 55. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller • Send Listing to USHLA (Do not post on MLS) • USHLA investor makes cash offer (Sell Property 1st Time) • Bank does BPO (Listing agent helps influence) • USHLA negotiates transaction with lender
    56. 56. Double Your Commission In Half the Time Sell it once, get paid twice Transaction 1 • Get Listing Agreement from Seller • Send Listing to USHLA (Do not post on MLS) • USHLA investor makes cash offer (Sell Property 1st Time) • Bank does BPO (Listing agent helps influence) • USHLA negotiates transaction with lender • Closing date set
    57. 57. Double Your Commission In Half the Time Once BPO established Transaction 2 • Establish price to sell within 30 days of listing with multiple offers • List property on MLS • Simultaneously market property to investors • Accept offer (Sell Property 2nd Time) • Simultaneous closing date set
    58. 58. Professional Fees Earned • Real Estate Agents earn full commission on both transactions • Mortgage Originators get to compete for the mortgage on the transaction • Mortgage Originators build stronger relationships with Realtors and can earn a percentage of transaction profit
    59. 59. Short Sale Income Opportunities Program Affiliate 25% of the net proceeds
    60. 60. Short Sale Income Opportunities Program Affiliate 25% of the net proceeds Estimated 90 Day BPO $300,000.00 Estimated Listing price $277,500.00 Estimated Sales Expense $24,975.00 Estimated Net To Seller $252,525.00 Purchase price at target margin $196,969.50 Estimated Acquisition Expense $3,939.39 Estimated Net Proceeds $51,616.11
    61. 61. Short Sale Income Opportunities Program Affiliate 25% of the net proceeds Estimated 90 Day BPO $300,000.00 Estimated Listing price $277,500.00 Estimated Sales Expense $24,975.00 Estimated Net To Seller $252,525.00 Purchase price at target margin $196,969.50 Estimated Acquisition Expense $3,939.39 Estimated Net Proceeds $51,616.11 $12,904 Split
    62. 62. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit
    63. 63. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property
    64. 64. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price
    65. 65. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission
    66. 66. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank
    67. 67. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow
    68. 68. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • USHLA Pays Affiliate Commission
    69. 69. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • USHLA Pays Affiliate Commission
    70. 70. USHLA Does 97% of the Work Affiliate Gets 25% of the Profit • Investor Makes Offer on Property • USHLA Negotiates Price • USHLA Negotiates Full Real Estate Commission • USHLA Negotiates Fees with Bank • USHLA Coordinates Escrow • USHLA Pays Affiliate Commission
    71. 71. Short Sale Income Opportunities
    72. 72. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk
    73. 73. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk
    74. 74. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk $20 – Per month for each login needed for
    75. 75. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk $20 – Per month for each login needed for USHLA’s Short Sale software program
    76. 76. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk $20 – Per month for each login needed for USHLA’s Short Sale software program
    77. 77. Short Sale Income Opportunities $495 – One-time set up fee Includes: • USHLA’s Short Sale Software • Short Sale Software Training • Weekly Loss Mitigation Training • Access to Short Sale Help Desk $20 – Per month for each login needed for USHLA’s Short Sale software program $0 – Seats for Realtor Partners
    78. 78. The Fine Print *Affiliate will not be entitled to, nor receive, any finders fee or percentage of the transaction profit if the Affiliate or Referral Partner is also a party to the transaction or represents the buyer or a seller of the property as a licensed Real Estate agent.
    79. 79. Stay Focused on Your Job!
    80. 80. Rely on a Trusted Partner
    81. 81. Learn More… Referral Partner Inquiries Affiliate Inquiries Contact Sandi Shaner Contact Greg Thran Phone | (858) 270-7169 Phone | (805) 413-8037 Email | Sandi@USHLA.com Email | Greg@USHLA.com
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