america’s home saver mortgage
DESCRIPTION
HOPE FOR HOMEOWNERS ~ WE are the ONLY Lender Nationwide offering this program. Refinance at 97% of your home’s CURRENT market value!TRANSCRIPT
America’sHomeSaverMortgage
www.HOPE411.info
HERE’S HOW WE DO IT…EXAMPLE
CURRENT MORTGAGE:
Loan Amount Interest Rate Monthly Payments_
1st Loan $350,000 7.5 % $ 2,447.002nd Loan $ 50,000 9.0 % $ 402.00______________________________________________________________Total Loan $400,000 $ 2,849.00
NEW MORTGAGE ESTIMATES:
Current Market Value (CMV) / Broker Price Option (BPO): $250,000
Loan Amount Interest Rate Monthly Payments_
1 Loan $250,000 6.25 % $ 1,539.00
Instant monthly savings = $1,310.00
Eliminate $150,000 of NEGATIVE EQUITY!
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WHAT’S IN IT FOR YOU?
Your old mortgage payment
$2,849 / month
Your NEW mortgage payment
$1,539 / month*
You
Save
$1,310.00 / month
That’s
$15,720.00 / year
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*BASED ON 6.25 % INTEREST
DOESN’T MATTER IF…
UPSIDE DOWN
BEHIND IN PAYMENTS
IN BANKRUPTCY (Ch. 7 OR 13)
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REGARDLESS OF
Loan To Value
High Debt To Income Ratio’s
Notice Of Default
Notice Of Trustee’s Sale
Alternative Income Allowed
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WE CAN HELP!
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THE SOLUTION…
We BUY your note from your bank
We OFFER you a NEW LOAN with minimum qualifications needed!
Each homeowners situation is unique with a 90% approval ratio!
WE GUARANTEE IT ALL 100%
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THE LOAN30 year FIXED
30 Year Amortized
Prime + 3%
3 Year Pre-Payment Penalty
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HOW MUCH?
NEGATIVE EQUITY
ONLY
$1,750
PROPERTIES IN DEFAULT
N.O.D. or N.O.T.S.
ONE TIME PROGRAM FEE
$3,500
$850 PER MONTH
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GETTING STARTED
1003 Uniform Loan Application
Property RELIEF Agreement
Borrowers Authorization
Title Co. Statement of Information Sheet
Client Information Work Sheet
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What You’ll Need To Start Mortgage Statement(s) (1st and 2nd)
Income Documentation (i.e. pay stubs, last yrs W-2, tax returns)
Hardship Letter
Hazard insurance (Declaration pg.)
Copy of Driver’s License(s) and S.S. card(s)
All Correspondence Letters (from Lender to Borrower)
Notice of Default – if Applicable
Notice of Trustee Sale ‐ if Applicable
Loan Modification Documentation – if Applicable
Bankruptcy Info – if Applicable
Payment
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THANK YOU FOR YOUR TIME!
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Contact: Xavier Ramirez
866.405.4051 Toll-Free714.845.0009 Fax