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Mortgage Training Program Mortgage Training Program We will get you a mortgage, GUARANTEED Helping you buy a home after: Foreclosure Short Sale Deed-in-lieu-of Bankruptcy Derogatory Credit

Mortgage training program℠ resived 102310

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Mortgage Training ProgramMortgage Training Program℠℠

We will get you a mortgage, GUARANTEED

Helping you buy a home after:ForeclosureShort Sale

Deed-in-lieu-ofBankruptcy

Derogatory Credit

That was then;That was then;

•If you had a heart beat and a legitimate piece of real estate you could get a mortgage.

•No down payment, cash out mortgages.

•Foreclosure, Bankruptcy, and Derogatory Credit were obstacles that could be over come in a few years or even over looked.

•No document loans.

This is now;This is now;

•People with fair credit are finding it difficult to get a mortgage.

•10-20% down payments mortgages.

•Fannie Mae just announced a minimum 7 year maturity period after foreclosures prior to mortgage approval.

•Proof of financial stability; Pay stubs, taxes and bank statements at a minimum.

We will help!!!We will help!!!•Whether you have gone through foreclosure, short sale, deed-in-lieu-of, bankruptcy or just have derogatory credit records.

•Whether it was caused by unforeseen circumstances, or poor financial practices.

Let us set the record straightWe are not miracle workers and our program takes a realistic approach to making you a creditable candidate for a mortgage. Mortgages are offered to people with a history of ability and willingness to pay, while ability is easily proven, willingness, for people with a tainted past, is only done through a process that shows one has learned from that tainted past. We do this through financial literacy training and hands on money management which shows you have your financial life in order, making you a creditable “willing” candidate for a mortgage.

We will not let you fail!!!We will not let you fail!!!

Now anyone can make themselves a creditable candidate for a mortgage, just like anyone can lose weight, become physically fit, etc. But, just like those New Year’s resolutions no one ever keeps, we all have good intentions for a week or so, maybe a month.

Our program models Weight Watchers™, Jenny Crieg™, and the like, in that it is not only a blueprint to getting your financial life back in order but provides support, training, and coaching along the way keeping you on the program.

Living in your future home is part of the Living in your future home is part of the program program

We developed this program as a tool to provide lenders proof that you can handle “The Mortgage” and everything that comes with owning a home, “How better to do that than have you live in your future home?”.

After you have a good understanding of the financial literacy portion of the program and your Personal Financial Trainer feels you are ready to maintain the costs of living in your future home we will search out and purchase the home that fits your needs while most importantly fits your budget. You will then live in and maintain that home providing proof to a lender that you can handle “The Mortgage” and everything that comes with owning that home.

Take ownership of your home

The nuts and bolts of the financial literacy and The nuts and bolts of the financial literacy and money management portion of the programmoney management portion of the program

Let it be understood your Personal Financial Trainer and our staff will provide support and training through this whole process and beyond.

•Organization•Gather financial information, credit reports and scores.•Input financial information into an accounting program.•Develop and review: budget, cash flow, balance sheet and net worth.

•Goal Setting•Set and understand realistic, obtainable and measurable goals.

•Prioritize•Evaluate and cut expenses.•Make the necessary life style changes that are needed to obtain your goals.

•Maintenance•Maintain a strict budget.•Account for income and expenses.•Dispute derogatory items on credit reports.•Negotiate past due balances, reduce interest rates and eliminate fees.•Determine good credit and bad credit, eliminate bad, increase good.•Constantly consider lifestyle changes.

•Documentation•Document everything.•Evaluate and re-file tax returns.