SecureMoneyServices

1. Simple.
Safer.
Secured.
ThePowerof First Position
CommercialMortgages
Alternative Wealth BuildingE-Book

2. Why Partner with Secure Money
Services?
• 55 years of experience in offering
financial opportunities.
• Reputation for reliability and
service is second to none.
with a steady• Provide clients
stream of superior financial
products.
• Our affiliates have completed
more than $1.5 billion in financial
transactions.
• Ouraffiliates have never
defaulted!
• Our clients understand that in
today’s uncertain environment,
we offer safer alternatives to help
them reach their financial goals.
*In addition to its predecessor and affiliate entities, and principals

3. First Position
Commercial
Mortgages

4. Picture a unique lending opportunity
with higher yields that is simple, safer
and secured. That is exactly what First
Position Commercial Mortgages (FPCM)
can achieve.
A First Position Commercial Mortgage is
a private third-party loan to our affiliate
that is secured by commercial realestate.
Private lenders select a commercial
mortgage in their inventory to serve as
collateral for their private loan. They
are recorded on title and acquire a
first lien position on the mortgage,
and are paid by the affiliate
immediate monthly interest payments
at a fixed annual yield, with a return of
principal at the end of the one year term.
First Position Commercial Mortgage
Opportunity

5. Because of our Affiliate’s 35 years of experience with commercial
loans, first mortgages and real estate acquisitions, our affiliate
maintains a highly successful lending model built on years of
handling large-scale commercial mortgages.
Commercial Mortgages
• Recorded First Lien Position.
• Proven Ability to Find Attractive
Financial Opportunities.
• Performance and Stability
First Position Commercial
• Exclusively Commercial Loans.
• Short Term of 1Year.
• Low Loan to Value (LTV) Ratios.
• Fixed Annual Yields.
• Immediate Monthly Payments.
• Secured by Commercial Real Estate.
*In addition to its predecessor and affiliate entities, and principals

6. • Having a first position means that you have the first lien position on
the property that secures the mortgage, recorded on title.
• The first lien has priority over any other liens or claims on a property in
the event of default.
• Our affiliate pays off any existing lienholders when it enters into a
transaction with a borrower, so there are no additional liens on the
property.
• If the borrower defaults, the affiliates are contractually obligated to
make the payments to the lender regardless of the status of the
underlying loan or borrower’s ability to pay.
What Does It Mean To Be First Position In
A Commercial Mortgage?

7. • Our affiliate company
conducts rigorous due
diligence when making
lending decisions, ensuring that
the property is free of liens.
• A complete title search is
performed to make sure there
is a insured first lien position.
• A comprehensive appraisal is
conducted by licensed, certified
and bonded appraisers, along
with a Broker Price Opinion
(BPO), to confirm the market
value.
• If requested, copies of the Title
Policy and/or Appraisal will be
provided.
Our Due Diligence

8. • Earn a secured yield as high as 6%.
• Lender’s funds are protected by
hard collateral that has significant
value.
• Hard asset collateral protects your
funds.
• Short and flexible loan terms.
Benefitsof First Position
Commercial Mortgages

9. We are so confident in these notes that our affiliate partners with
lenders by lending our own funds and holding a second lien position
behind their first lien position. The affiliate contractually obligates itself
by Promissory Notes and Loan Agreements to pay the monthly interest
payments and return the principal at the end of the term.
Best Benefit
Overall

10. Three Layers of Collateral - With loan-to-value ratios of 60% or less, the
property’s equity is a lender’s collateral:
1. Promissory Note: This document is our affiliate lender’s contractual
promise to repay its lender according to the agreed terms and
conditions set forthinboththe Promissory Noteand Loan Agreement.
The Promissory Note forms the basis of a lender’s right to payment
from the affiliate according to its terms.
2. Loan Agreement: The Loan Agreement creates and attaches a security
interest in the lender-selected collateral in favor of that lender.
3. Assignment and Collateral Assignment: These documents are a
pledged conveyance by the affiliate of all of its rights, title, and
interest as holder and owner of the selected commercial note and
mortgage loan instruments and proceeds.
Mitigating The Risk For
Clients

11. Generally these properties are commercial real estate, including multi-
unit apartment buildings, mixed-use developments, or any other kind of
commercial project, as well as single-family homes held as investment
properties, which are owned by a corporation or limited liability company
and not owner-occupied.
Types Of
Properties

12. Let’s Take A Look At
The Actual Inventory

13. Water Bottling Plant - Kiamesha, New York
Appraised Value: $2,000,000.00
First Lien Position: $800,000.00
Second Lien Position*:
retained by our affiliate
$100,000.00
Minimum Purchase: $50,000.00
Term: 12 months
Loan to Value Ratio (LTV): 40%
Lender Price: $50,000.00
Interest Rate: 6%
Monthly Interest: $250.00
*Our affiliate holds the second lien position on allproperties.
Property
Examples

14. RetailBuilding(BowlingAlley)–UnionCity,GA
Appraised Value: $2,210,000.00
First Lien Position: $750,000.00
Second Lien Position*:
retained by our affiliate
$100,000.00
Minimum Purchase: $50,000.00
Term: 12 months
Loan to Value Ratio (LTV): 34%
Lender Price: $75,000.00
Interest Rate: 6%
Monthly Interest: $375.00
*The affiliate holds the second lien position on allproperties.
Property
Examples

15. Single Family – Beverly Hills, California
Appraised Value: $3,100,000.00
First Lien Position: $1,910,000.00
Second Lien Position*:
retained by the Affiliate
$190,000.00
Minimum Purchase: $50,000.00
Term: 12 months
Loan to Value Ratio (LTV): 62%
Lender Price: $100,000.00
Interest Rate: 6%
Monthly Interest: $500.00
*The affiliate company holds the second lien position on all
properties.
Property
Examples

16. Land Lot – Kihei, Hawaii
Appraised Value: $14,000,000.00
First Lien Position: $3,400,000.00
Second Lien Position*:
retained by the affiliate
$400,000.00
Minimum Purchase: $50,000.00
Term: 12 months
Loan to Value Ratio (LTV): 24%
Lender Price: $200,000.00
Interest Rate: 6%
Monthly Interest: $1000.00
*The affiliate company holds the second lien position on all
properties.
Property
Examples

17. • Strong LTV’s ensure regardless of
the real estate market you are still
protected
• Short Term duration
• First Position Lien
Positioning Is Most
Important

18. How It
Works
 What Type Of Funds C a n I Use For Lending?
 Lenders can use qualified or non-qualified funds,
an IRA, Trust, LLC, Pension, 401k or lend in their own
name.
 Does the Affiliate C ha rg e Any Fees?
 There are no transaction fees or commission for
lenders to pay, EVER. 100% of their deposit goes to
work for them IMMEDIATELY!

19. • Exclusively Commercial Loans.
• Short Term of 1Year.
• Low Loan-to-Value (LTV) ratios.
• Fixed Annual Yields of 5%.
• Immediate Monthly Payments.
• Secured by Commercial Real
Estate.
• Recorded First Lien Position.
• The Affiliate is Your Partner.
Final Thoughts (Recap)
• The Affiliate company* has
35 Years of Unsurpassed
Experience & Reliability.
• More than $1.5 Billion in
Financial Transactions
Completed.
• The Affiliate Has
Never Defaulted!
• Proven Ability to Find
Attractive Financial
Opportunities.
*In addition to its predecessor and affiliate entities, and principals

20. How Can I Get Started?
If you’d like to start purchasing one of our available First Position Commercial
Mortgages:
• Request assistance from Secure Money Services at 888-565-9556.
• Or go to www.securemoneyservices.com