3. About 2 weeks ago you called me about a strategy you had implemented and wanted to share with the group

4. Who did you target first with this?

5. Email to CPA’s and Tax Preparers

6. Email to Real estate Agents

7. Rich has a cool idea to get refinance opportunity’s with current FHA mortgage holders Rich writes an email letter explaining the benefit of the recent FHA MIP rate decrease Rich sends the email to CPA’s, Tax Preparers, Real estate Agents and follows up with a phone call explaining the benefit Rich makes some money refinancing a family and saving them $260 a month Rich Real estate agent partner gets 2 listings from sending something of value to his past clients

9. 1. Credit Qualifying 2. Non-Credit Qualifying with Appraisal 3. Non-Credit Qualifying without Appraisal

11. Without an Appraisal

12. With an Appraisal

13. Depending on the scenario, the Net Tangible Benefit test will vary. Here are 2 examples: -Fixed 30 to Fixed 30- 5% decrease in Principal, Interest and Annual MI payment -Fixed 30 to Fixed 15- Minimum 5 year decrease in Remaining term

14. Net Tangible Benefit for ARM

15. Net Tangible Benefit for Fixed

20. Thank you Rich Bonn for sharing your cool FHA Streamline Refinance strategy with us