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The Haven Process is an equity building plan that allows homeowners to make a reasonable initial
escrow deposit and monthly escrow payments directly into their escrow account while living in the home. The buyer accumulates equity for a predetermined period of time based upon their individual
financial status and mortgage lender instructions. The buyer pays any monthly association dues, utilities, and contents insurance during the term. At the end of the term the buyer closes using the entire accumulated escrow account. The developer/builder has either saved a sale that would not
have occurred or created a sale where none might have been possible. The developer’s bank, the developer/builder, and buyer all win.