Homeowners and Banks are in Trouble -

Opportunity to Save Money.

• Want to keep their homes.

• Need help to negotiate affordable mortgage terms.

• Millions of homeowners in trouble, losing their homes

What is Loan Modification?

• Terms of the loan changed to make it easier to pay

• Lower the interest rate

• Stretch out the term (number of payments)

• Forgive penalties/late fees

• Reduce the mortgage balance

Easier to Pay

What Loans Qualify?

• Personal residence or rental property

• Loans that are behind or current

• Loan in foreclosure or not yet in foreclosure

• Owe more than your home is worth

Do You Qualify?

• Credit does not matter

• Ability to make a payment matters

• Struggling to make payments is the key

NO CREDIT CHECK

What Loans Qualify?

• ARMs (adjustable rate mortgages)

• Option/Pic a Payment

• First, second or third mortgages

• Loans with legal errors/violations

ALL LOANS

Rate Change

• After Modification -

• Rate now 5.25% = $552.20/month

• Saves $306.95/month!

• 9.75%, $100,000/ 30 Years. $859.15/month

Saves $3,683 each year

Invest $3,850 to make:

•$3,683.00 over 1 year.

•$36,830.00 over 10 years.

•$110,490.00 over 30 years!

LJ.

• Owed $170,000, could not pay!

• Frustrated with the bank and turned to us for help

• We got the bank to reduce the mortgage by $37,000 -

• “No payments, no interest” for 50 Years!

WOW!

Laura J modification

• Original Payments $1,087 new payment $732 Savings $355/month

• $37,501.81 no interest no principle balloon due 10/2059

Adam B

• Investment property

• Payment cut from $1,472 to $724 per month

• Interest rate cut from 7.25% to 3.99%

Thom F

• Payment dropped from $4,400 per month to $3,400 per month

Benefits

• Cut your interest rate? Some as low as 2%!

• SAVE THOUSANDS EVERY YEAR

• Extend the loan term? SAVE $ EVERY MONTH

• Payment moratorium, forebearance

Save Thousands!

Mortgage Elimination

• We can eliminate second and third mortgages

• Don’t have to file bankruptcy

• Settle for 10% or less of the balance!

• No foreclosure, keep your home

Legal Magic

Sue the Bank

• Banks are afraid of litigation

• When they won’t cooperate we twist their arm

• They don’t want to be sued

• They want to keep their jobs and bank’s money

Don’t Get Mad...Get Even!

Terrify the Banker• Bank misallocated loan funds

• Stubbornly refused to fix the error

• $1,000,000 mistake turned into a judgment

•$360,000,000Our Network Attorney...

Our Knockout Punch!

Put the Power of the Law On Your Side

• We know how the bankers think

• We see proposals from the bank every day

• We know what we should get for you

• We are with you, You are not alone

• We save you big money

We work for YOU!

We’ll Review Your Situation - Free!

• A No Charge, No Obligation Evaluation

• We’ll let you know if we think we can help

• This is a limited time offer through 10/31/2009

We’d like to help YOU

How to Get Our Help

• Fill in the form and hand it in

• One of our attorneys will contact you depending upon which state the property is in

Reasonable Cost

• There are lawyers charging $12,000 and more!

• We want to help as many as possible

• No additional charges or fees, even two mortgages!

• Only $3,850

Do this now• The programs will not last forever

• We know that banks are motivated to help now, they are over-whelmed and you need a plan

• You need a professional

• You need a course of action

DO THIS NOW

CLOSING SLIDE

• 60% of the modifications according to the US Comptroller of the Banks end up back in default.

• Don’t be a statistic, use a law firm to get you the best possible deal.