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Cooperative Realty Cooperative Mortgage Cooperative Title Cooperative Real Estate Settlement Services Foreclosure Avoidance Short Sale Negotiations Loan Modification South Florida’s Real Estate Center Broker/Owner Built Largest Franchise in North America #1 of 2,000 Exit Offices Top 300 Brokerages (of all brands) in The United States Sold in year non-compete Top Associate for 6 years #21 in the State Awarded their highest individual honor In 1999 Top Individual Associate Published Home Seller’s Guide 1992 Exclusively Represented Kislak Mortgage in Broward President’s Award Recipient Top Individual Associate Margate/Coral Springs An Industry Leader During The Past Three Decades

What does a Your Real Estate Company Associate look like… The 97 th Percentile in every performance Matrix. Experience Education Production Customer Satisfaction Qualification

Your Real Estate Company Experience 0-3 Years3-5 Years5-10 Years10-20 Years Average Agent * Your Real Estate Company Associates *

Your Real Estate Company Productivity 0-10 Transactions Transactions Transactions Average Agent * Your Real Estate Company Associates *

Your Real Estate Company Exposure Engine Let us feature your home on the most traveled web sites in the world.  98% of South Florida Buyers begin their search on the web  4 of 5 Broward Buyer inquiries are …  Spanish Speaking  Canadian  Originate Out of State  Want Photos and Virtual Tours  Want Tax and Insurance Info  Want Neighborhood Specifics

Accessibility Price Marketing Negotiations Where does your home fit? What is available? What is selling? Is your home easy to show? Is it difficult to show? When can we show your home? 30,000 Realtors 150,000 Web Sites IDX Global Exposure Latin – Canadian – 1st Time Homebuyers Appraisals Valuation Closing Costs Inspections Offers Counter Offers Upgrades & Improvements Personal Property Non-permitted Improvements Important Decisions How do I sell my house in today’s market?

Your Real Estate Company Loan Modification Agreements Forbearance & Repayment PlansShort Sale Negotiations Foreclosure Avoidance Use the new Fannie Mae and FHA Home Preservation Guidelines… Lower your mortgage principle amount Lower your interest rate Lower your monthly payment Extend repayment terms Extend amortization schedule Use Legal Processes to Extend Your Foreclosure Proceedings … Give you time to get on your feet Stay in your house longer Delay your move More time to examine your options More time to find work Use Loss Mitigation Procedures to… Sell Your Home Pay no commissions Pay no fees Settle your mortgage for less than the full amount Save your credit from a foreclosure Negotiate a reasonable plan to catch up Save your home Keep your same mortgage Catch up on what you owe at your pace Tack on some to the end of your mortgage Your Real Estate Company Settlement Services Inc. and it’s agents are not lawyers we can not and do not represent you in any legal capacity. The services outlined herein are clerical services, courier services, real estate services only and do not offer any legal representation. Always consult an attorney before executing any documents which you do not fully understand.

Loan Modification Dash Board Interest Rate Principle Balance Monthly Payment Amortization Term Debt Forgiveness $____ __% $____k 20 yrs25 yrs30 yrs35 yrs40 yrs Debt Forgiveness InsuranceTaxesPrincipleForbearanceNote

Your Real Estate Company Settlement Services Your Real Estate Company Settlement Services Inc. and it’s agents are not lawyers we can not and do not represent you in any legal capacity. The services outlined herein are clerical services, courier services, real estate services only and do not offer any legal representation. Always consult an attorney before executing any documents which you do not fully understand.