PRINCIPAL REDUCTION

PROGRAM

Who We are, and what we do Guardian Group Fund

We offer a no credit score refinance/ principal reduction

$5 billion private fund allocated for this program

We purchase notes at a discount, based on market value, which are then liquidated for a profit.

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THIS IS NOT A LOAN MODIFCATION

THIS IS NOT:

A LOAN MODIFICATION

A SHORT SALE

A DEED IN LIEU OF FORECLOSURE

A FORBEARANCE

FOR THE UNEMPLOYED

THIS IS:

A PRINCIPAL LOAN REDUCTION

NO CREDIT SCORE RATE AND TERM REFINANCE

THE AMERICAN HOMNEOWNERS LAST CHANCE FOR FINANCIAL FREEDOM

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How we do it

We package notes in bulk of 10,20,30 notes or more.

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Note Package

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Who we approachWho we do not approach:

Loss mitigation

Customer Service

Collections

Who we do approach:

Wealth/Asset Management

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Why the banks wants to liquidate the notes

Most of homeowners today are non-performing borrowers, meaning they have been late or in foreclosure.

Banks are in the business of lending, not real estate.

It cost less to liquidate, then it does to foreclose, short sale or REO.

Since we package all notes together both performing and non-performing, the only deal we will ever present will be an all or none deal to the bank.

We do not allow for cherry picking

Banks can lend immediately on the money that they earn from the liquidation.

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What we present to the bank

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Balance Address City State Zip

Property 107,502 XXXXXX XXXXXX XXXXX XXXXX

Note purchase

Short Sale Foreclosure REO

Loan Amount

107,502 107,502 107,502 107,502 107,502

Market value

$45,000 $45,000 $45,000 $45,000 $45,000

Cost of repair

25,000 25,000 25,000 25,000 25,000

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NOTE PURCHASE

SHORT SALE

FORECLOSURE

REO (A/F)*

Explanation of cost

0.00 costs, Guardiangroup purchase the to be the note holder and assume all liabilities

Escrow, & title , Customer service, days of house on the market, costs o repairs, concessions, closing costs, realtors, loss of uncollected interest

Trustee’s, Escrow, & title , Customer service, days of house on the market, costs o repairs, concessions, closing costs, realtors, loss of uncollected interest

Trustee’s, Escrow, & title , Customer service, days of house on the market, costs o repairs, concessions, closing costs, realtors, loss of uncollected interest

TM(time in Market) X 12 months payments, RE Commissions 6% of sales price, closing costs 4% of sales price, $7,000 average fees

Net to Lender

$18,000 $15,822.21 (-$42,000) $2,288.84 National Average to foreclose a property $60,000-$100,000

Current Monthly payment

$725.93* A/F – SALE OF HOME AFTER

FORECLOSURE

CURRENT MORTGAGE:

Loan Amount Interest Rate Monthly Payments 1st Loan $350,000 7.5 % $ 2,447.00

2nd Loan $ 50,000 9.0 % $ 402.00

Total Loan $400,000 $ 2,849.00+ T/I

NEW MORTGAGE ESTIMATES:

Current Market Value (CMV) / Broker Price Option (BPO): $250,000

Loan Amount Interest Rate Monthly PaymentsLoan $225,000 (90% CMV) 6.25 % $ 1,385.36 + T/I

Instant monthly savings = $1,463.64Eliminate $150,000 of NEGATIVE EQUITY!

You Gain 10% Instant Equity

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Your old mortgage

payment

$2,849+T/I / month

Your NEW mortgage

payment

$ 1,385.36 + T/I / month*

You Save

$1,463.64 month

That’s

$17,563.68 / year

10*BASED ON 6.25 % INTEREST

UPSIDE DOWN

BEHIND IN PAYMENTS

IN FORECLOSURE

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Loan To Value

High Debt To Income Ratio’s

Notice of Default

Notice of Trustee Sale

Alternative Income Allowed

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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!

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We will refinance your property once we have purchased the note into any conventional loan program that you will

qualify for.

If your credit is damaged and you cannot qualify through conventional refinancing, then we will place you with our

private investors on the following program.

30 year fixed rate

Prime + 3% or 4%

3 Year Pre-Payment Penalty

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NEGATIVE EQUITY

ONLY

$1,595.00

N.O.D. or N.O.S.

ONE TIME

PROGRAM FEE OF

$500

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1003 Uniform Loan Application

Contractual Agreement

Borrowers Authorization

Statement of Information Sheet

Client Information Work Sheet

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Mortgage Statement(s) (1st and 2nd)

Income Documentation (i.e. pay stubs “30 days”, last yrs W-2, 1099)

Hardship Letter

Hazard insurance (Declaration pg.)

Copy of Driver’s License(s)

All Correspondence Letters (from Lender to Borrower)

Notice of Default – if Applicable

Notice of Trustee Sale ‐ if Applicable

Loan Modification Documentation – if Applicable

Property Tax Statement

Payment

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Customer Service

Randy Villaverde

602-643-8244Randy@guardiangroupfund.com