TRUST DEED PRINCIPLE BALANCE REDUCTION PROGRAM

EMERGE FINANCIAL ADVISORS IS COMMITTED TO PROVIDING ITS AFFILIATESWITH THE NECESSARY INFORMATION AND TOOLS TO BUILD STRONG CLIENTRELATIONSHIPS, TO SUCCESSFULLY ELIMINATE DEBT AND TO CREATE WEALTH

Mission Statement

The Downward Housing Spiral1. As option arm loans recast to higher interest rates and

jobs evaporate, people all over the US are being forced to default on their mortgages.

2. These foreclosures depress property values and leave more area homeowners in a compromised position.

3. The additional foreclosures and short sales further depress home values until the average homeowner owes the bank more money than their property is worth.

4. Even homeowners that are current on their mortgage begin to walk away from their under-water properties.

5. Whole neighborhoods have become virtual ghost towns, negatively impacting the entire community with more lost jobs and failed businesses.

Can anyone impact this disaster? You can!

As a Homeowner, you can be part of the solution to this dangerous financial meltdown!

You can help us identify other homeowners that owe more than their property is currently worth, and that meet the predetermined profile. You can help save their home and eliminate negative equity in their property in many cases.

Through a revolutionary program backed by private equity funds, you can be apart of a special program that provides a critical service to the roughly one million families who are in need and who qualify.

A Simple, Powerful ConceptWe help homeowners who are under water on their home

mortgage because:• Our highly experienced negotiators secure a sell price

from the present note holder at a discount from current market value, not the mortgage balance.

• Our investors purchase the note at the discounted price. • They then drop the note amount to the CMV. • The homeowner’s mortgage payment is greatly reduced.• Applicants keep their home, rebuild their credit and build

equity as property values rebound.• The downward financial spiral is disrupted.

Program FeesStandard Negative Equity $895Second Trust Deed, HELOC $175

If we are unable to accept the file for negotiation, at any point, the unused portion of the fee will be returned to applicant.If eMerge accepts an applicant into the program and negotiations do not produce an acceptable principal reduction, a minimum of $295 will be returned to the applicant.Applicants that can not be assisted through a principal reduction may elect to roll into our partner’s very successful short sale program.

How We Do It

eMerge Financial Advisors Copyright 2010

We package notes in bundles of 10, 20, 30 notes or more to be negotiated as a group.

NotePackage

Why Banks Will LiquidateUnder-Water Mortgages

• Banks are in the business of lending, not real estate.• Many homeowners today are non-performing borrowers,

meaning that they are late or are in foreclosure.• It costs the bank less to liquidate than it does to short

sale, foreclose or REO the property.• Banks will negotiate to sell bundles of non-performing

notes at a discount from the current market value.• The bank can lend immediately on the money they

receive from the liquidation.

The Bank’s OptionsLenders normally have three options for debt resolution: Short Sale, Bank Ownership (REO) or Foreclosure.Each takes time and will produce a different result…

The banksnow havea fourthOption!

Bank Nets $15,822 Bank Nets $2,288 Bank Looses $42.000 Bank Nets $18,000

eMerge investor purchases the note & assumes all liabilities

The Client Profile is CriticalLenders and investors each have a monetary range in which they will work…

Investor’s Buy Price Range< Lower Price Higher Price >

Lender’s Sell Price Range< Lower Price Higher Price >

Investors have a price range at which they will buy a note.Lenders have a price range at which they will sell a note.Our highly experienced negotiators secure the lowest sale price possible from the lender.Careful client profiling assures the highestpurchase price possible from investors.

The cross-over determinesour Client Profile

Buy Price Sell Price

Qualifying Applicant ProfileTo ensure success, applicants must meet a specific profile.We can assist homeowners who:• Live in a single family residence• Occupy the home as their primary residence• Are behind on their mortgage payments• Are upside down by 20% or more• Currently receive a verifiable income• Will have a mortgage debt to income ratio of 31% or less

after negotiation• Are staying current on their other debts• No mortgage insurance (PMI)

Benefits for the Homeowner• Principle is reduced to the current market value giving

the homeowner a true incentive to stay in their home.• Their monthly payment can be reduced by 25% to 50%.• The homeowner is now current on their payments.• Delinquent homeowners can rebuild credit by simply

making their lower mortgage payment on time.• There is no new origination so no closing costs.• Taxes and insurance can be paid through escrow.

People can save their homes, build equity for the future and help preserve their communities!

Not a Loan ModificationThis program is not: A loan modification A short sale A short refi A deed in lieu of foreclosure A forbearance A program for the unemployed A new originationThis program is: A trust deed principal reduction A restructured note Many American homeowner’s last best chance

for financial independence!

Qualifying Properties

We currently accept single-family residences.The following property types do not currently qualify:• Non-owner occupied• Agricultural Properties• Raw Land• Mobile / Manufactured Homes• Multi-Family Units• Mixed-Use Properties• Condos• Properties with construction Loans

The Principal Reduction Process1. The program is presented to qualified homeowners.2. Affiliates help applicants with application.3. Applicants send guaranteed funds to 3rd party trustee.4. Trustee disburses funds beginning with a credit check.5. eMerge orders a BPO or desktop appraisal.6. eMerge orders a drive-by or full appraisal.7. File goes to processing for submission to negotiator.8. If negotiation is successful, note goes to the investor.9. Investor reduces note balance to CMV.10. Homeowner is now current, note becomes performing

when the first payment is made on time.

It is Time to Get StartedThousands of American homeownersNeed Our help!

Contact your eMerge affiliate today!