1. Finding Out Your Most Efficient Mortgage Option Loan Modification Loan % Rate Reduction Monthly Payment Reduction Principal Balance Reduction Difference between a: Bank Loan vs Government Plan

2. What is Loan Modification Loan or Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower (i.e. mortgagor and mortgagee). In general, any loan can be modified but: Banks will want you to qualify to meet their criteria Banks will refinance or modify under their conditions Government will provide you options for you to select a plan that meets your most essential personal and family needs

3. HOW DO I CHOOSE A MORTGAGE? You go to a Bank because you Trust Banks but they say: Refinancing is for you IF you refinance your debt today Then they ’ ll find and tell you about your: House Negative Issues House Price Down or Unavailable You can not qualify because: One thing or the other So guest what? You need money, a lot of it For closing and their legalities So guess what? THEY WIN. AGAIN & YOU LOOSE AGAIN FOR 30 MORE YEARS

4. WHAT DO I NEED TO KNOW? Your monthly payment in dollar amount Lender % rate or Bank % rate if you choose to pay more Who is the investor of your loan and Expenses for legalities THIS IS HOW YOUR MONEY GETS DEVIDED Bank Interest is how much you buy every dollar per month

5. HOW MUCH AM I PAYING FOR MY HOUSE How much was the price of the house? How much did you put for down payment? Price of the house - down payment equals = X X = Loan Amount, ok? How much do you pay a month times month = Y Y – X = Your Free Money to the bank. Example: 100 price house – 20 down payment = 80 80 Loan payable at 1 a month for 360 month.

6. HOW DO I ORGANIZE MY MORTGAGE Keep things in mind: Any private loan company ( banks, credit unions) will charge a lump sum of $20 a month for the length of the loan and it may be called closing costs or others. Under an approved Government plan which is much lower and affordable there is an average cost of $9 a month in a lump sum, if lucky you could pay less. What ’ s better 20 a month for the length of the loan or 9 a month? You be the boss, you tell me …

7. Information in your hands It ’ s our experience that with a Government Program our clients benefit by having a fair and accurate loan and a repayment plan that makes their life and those of their loved ones better and easier I want to thank you for the opportunity to share and serve you with this information