Today Home Solutions of America offers a principal reduction program to help homeowners who are underwater on their mortgage. They purchase mortgage notes at a discount from lenders and then refinance homeowners into new loans with lower principal balances and interest rates. This allows homeowners to reduce their monthly payments significantly and gain equity in their homes. To qualify, homeowners must be at least 25% underwater and have a debt-to-income ratio under 50% for the new loan. The process involves buying notes in bulk from lenders and then refinancing groups of homeowners with various lenders to provide debt relief.

1. Today Home Solutions of America PRINCIPAL REDUCTION PROGRAM

2. Who we are, and what we do Today 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 no credit score refinance with principal reduction

3. This is not a loan modification THIS IS NOT: A SHORT SALE A LOAN MODIFICATION A FORBEARANCE A DEED IN LIEU OF FORECLOSURE FOR THE UNEMPLOYED THIS IS: A PRINCIPAL LOAN REDUCTION NO CREDIT SCORE RATE AND TERM REFINANCE HOMEOWNERS LAST CHANCE TO REGAIN EQUITY

4. Must be upside down at least 25% Must have 50% Debt-to-Income ratio on the new proposed loan; must be able to prove income We BUY notes in bulk from the existing lender at a discount We REFINANCE homeowner a NEW LOAN with a new lender 90% approval ratio. How we do it

5. How we do it We package notes in bulk of 10,20,30 notes or more N N N N N N N N N N N N N N N N N Note Package N N

6. How we do it We refinance the 20,30,50 notes with FHA-VA-Conv & private lending companies Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi Refi FHA & CONV Refi Refi Refi

7. Most of homeowners today are non-performing borrowers, meaning they have been late or in foreclosure. Banks are in the business of lending, not real estate. It cost less to liquidate, then it does to foreclose, short sale or REO. Why the banks wants to liquidate the notes Since we package all notes together both performing and non-performing, the only deal we will ever present will be an all or none deal to the bank. We do not allow for cherry picking Banks can lend immediately on the money that they earn from the liquidation.

8. Principal Reduction Program CURRENT MORTGAGE: Loan Amount Interest Rate Monthly Payments 1 st Loan $150,000 7.5 % $ 1048.82 2 nd Loan $ 50,000 9.0 % $ 449.86 Total Loan $200,000 $ 1498.68+ T/I NEW MORTGAGE ESTIMATES: 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 Instant monthly savings = $884.72 Eliminate $110,000 of NEGATIVE EQUITY! You Gain 10% Instant Equity APR 7.431

9. What’s in it for you? Your old mortgage payment $1,498.68+T/I / month Your NEW mortgage payment $ 613.96 + T/I / month* You Save $884.72 month That’s $10,616.64 / year *BASED ON 7.25 % INTEREST APR 7.431%

10. Doesn’t matter if… UPSIDE DOWN BEHIND IN PAYMENTS IN FORECLOSURE

11. Regardless of… Loan To Value High Debt To Income Ratio’s Notice of Default Notice of Trustee Sale Alternative Income Allowed

12. The solution… We BUY your note from your bank We OFFER you a NEW LOAN with minimum qualifications needed! Each homeowners situation is unique with a 90% approval ratio!

13. The Loan 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

14. How much? PRINCIPAL REDUCTION PROGRAM $1,595.00* * Application Fee, 3 appraisals, 2 credit reports, 2 title o&e policies, & processing IF LOAN IS N.O.D. or N.O.S. Additional Charge Apply

15. Getting Started Principal Reduction Application Borrower’s Authorization Statement of Information Sheet Client Information Work Sheet

16. What you’ll need to start Mortgage Statement(s) (1st and 2nd) Income Documentation (i.e. pay stubs “30 days”, last yrs W-2, 1099) Hardship Letter – (Negative Equity is a hardship) Hazard Insurance (Declaration pg.) Copy of Driver’s License(s) All Correspondence Letters (from Lender to Borrower) Notice of Default – if Applicable Notice of Trustee Sale – if Applicable Loan Modification Documentation – if Applicable Property Tax Statement $1,595 Application Fee, 3 appraisals, 2 credit reports, 2 title o&e policies, & processing

17. To get started today please call Today Home Solutions of America Direct 888-392-8640 Fax 813-315-6004 [email_address] www.TodayHomeSolutions.com