1. www.hardmoneybankers.com 800-883-8290 7 Steps to Guaranteed Hard Money Loan Approval Hard Money Bankers, LLC www.hardmoneybankers.com

2. www.hardmoneybankers.com 800-883-8290 HMB Team Chris Haddon- Investor Relations/Principal Jeffrey Shiller, Esq.- Legal Counsel/Principal Jason Balin- Underwriter/Principal

3. www.hardmoneybankers.com 800-883-8290 What Will You Learn Here Today? - What Is Hard Money? - Who Uses Hard Money? - How Does a HM Lender evaluate a deal? - Ensuring Loan Approval/Long Term Relationship - Insider Tips from the “Front Lines”

4. www.hardmoneybankers.com 800-883-8290 What is a Hard Money Loan? Technically defined as "a conservative loan made against hard assets," a "Hard Money" loan (sometimes referred to as an “Equity-Based Loan”, "Private Mortgage“, or a “Bridge Loan”) is a loan that is offered when a conventional loan may not fit the borrower's lending needs. This generally happens when a borrower needs money in order to jump on a "hot" real estate deal and does not have time to wait for the stringent and sometimes lengthy underwriting process associated with a conventional loan. The capital for a hard money loan comes from individual investors or a private fund, not from institutions such as banks. It can be offered in both residential and commercial real estate transactions, and the interest rate paid by borrowers typically ranges from 12-18% annually.

5. www.hardmoneybankers.com 800-883-8290 Who Uses Hard Money Loans? (and why don’t they just go to a bank?) - RE Investors, Property Owners - Time Crunch - Unfinished or not stabilized properties - Bridge Loan (short term)

6. www.hardmoneybankers.com 800-883-8290 What Types of Properties? - Local Real Estate (DC, MD, NoVA primarily) - Residential Investment Properties - Small Commercial (Multi Unit Apt, Office) - Rehab and Moderate Construction

7. www.hardmoneybankers.com 800-883-8290 Insider Tip #1 Ask the HM lender what their “sweet spot” is

8. www.hardmoneybankers.com 800-883-8290 How Do We Evaluate a Deal: 4 C’s Collateral Character Capacity/Exit Strategy Credit

9. www.hardmoneybankers.com 800-883-8290 Insider Tip #2 Credit isn’t everything…but it tells a story

10. www.hardmoneybankers.com 800-883-8290 Step 1 - Find the Deal - Follow Your Formula - MLS, Bank REO - Short Sales - Estate Sales

11. www.hardmoneybankers.com 800-883-8290 Insider Tip #3 Bank REO’s are hot right now! Check out HMB Cribs.

12. www.hardmoneybankers.com 800-883-8290 Step 2 Executive Summary with Exit Strategy

13. www.hardmoneybankers.com 800-883-8290 Insider Tip Deal Evaluation Spreadsheet http://www.hardmoneybankers.com/f/rehab.xls

14. www.hardmoneybankers.com 800-883-8290 Step 3 Full Loan App with Personal Financial and REO http://www.hardmoneybankers.com/loanapplication.html

15. www.hardmoneybankers.com 800-883-8290 Step 4 Comparable Sales and Pics of Subject Property There’s NEVER enough pics!!

16. www.hardmoneybankers.com 800-883-8290 Insider Tip #4 Don’t Inflate Your Exit Price! (ARV)

17. www.hardmoneybankers.com 800-883-8290 Step 5 Contractor Estimate/Scope of Work Draw Schedule with Timeframe

18. www.hardmoneybankers.com 800-883-8290 Insider Tip #5 Upgrades On Par With The Neighborhood

19. www.hardmoneybankers.com 800-883-8290 Step 6 Bring Something to the Table: - Cash - Collateral (or X-Collateral) - Credit - Experienced Partner Times Have Changed Since 2004!

20. www.hardmoneybankers.com 800-883-8290 Step 7 Perform! In Every Way Possible

21. www.hardmoneybankers.com 800-883-8290 Insider Tip It’s All About the Relationship #6

22. www.hardmoneybankers.com 800-883-8290 Hard Money Bankers Hard Money Bankers, LLC 9017 Red Branch Rd., Suite H Columbia, Maryland 21045 800-883-8290 Check Our New Blog: HMBCribs.com