Mortgage Mortgage RestructuringRestructuring

SystemSystem

The M Group, Inc.The M Group, Inc.

We offer a no credit score We offer a no credit score MORTGAGE MORTGAGE RESTRUCTURING SYSTEMRESTRUCTURING SYSTEM

$5 billion in $5 billion in PRIVATE FUNDS PRIVATE FUNDS allocated allocated for this SYSTEMfor this SYSTEM

We We NOTE BUYERS, NOTE BUYERS, we purchase we purchase DELINQUIENTDELINQUIENT NOTESNOTES at a discount, at a discount, based on market value of the based on market value of the PROPERTYPROPERTY, , which are then liquidated for a profit.which are then liquidated for a profit.

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THIS IS NOT: A LOAN A LOAN

MODIFICATIONMODIFICATION REFINANCE OR NEW REFINANCE OR NEW

LOANLOAN A SHORT SALEA SHORT SALE A DEED IN LIEU OF A DEED IN LIEU OF

FORECLOSUREFORECLOSURE A FORBEARANCEA FORBEARANCE FOR THE FOR THE

UNEMPLOYEDUNEMPLOYED

THIS IS: MORTGAGE MORTGAGE

RESTRUCTURING RESTRUCTURING SYSTEMSYSTEM

NO CREDIT SCORENO CREDIT SCORE RATE AND TERM RATE AND TERM

RESTRUCTURERESTRUCTURE THE AMERICAN THE AMERICAN

HOMNEOWNERS HOMNEOWNERS LAST CHANCE FOR LAST CHANCE FOR FINANCIAL FINANCIAL FREEDOMFREEDOM

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We package your note with many of our other We package your note with many of our other clients in bulks of 10,20,30 notes or more.clients in bulks of 10,20,30 notes or more.

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Note Package

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Who we do not Who we do not approachapproach:

Loss MitigationLoss Mitigation Customer ServiceCustomer Service CollectionsCollections

Who we do Who we do approach:approach:

Wealth/Asset Wealth/Asset ManagementManagement

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

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

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

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

We do not allow for We do not allow for cherry pickingcherry picking

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

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CURRENT MORTGAGE:CURRENT MORTGAGE:

Loan Amount Interest Rate Monthly Payments Loan Amount Interest Rate Monthly Payments 11stst Loan $350,000 7.5 % $ 2,447.00 Loan $350,000 7.5 % $ 2,447.0022ndnd Loan $ 50,000 9.0 % $ 402.00 Loan $ 50,000 9.0 % $ 402.00

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

NEW MORTGAGE ESTIMATES:NEW MORTGAGE ESTIMATES:

Current Market Value (CMV) / Broker Price Option (BPO):Current Market Value (CMV) / Broker Price Option (BPO): $ $250,000250,000

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

T/IT/I

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

You Gain 10% Instant EquityYou Gain 10% Instant Equity7

Your Your OLDOLD mortgage mortgage payment payment

$2,849+T/I / month$2,849+T/I / month

Your Your NEWNEW mortgage mortgage paymentpayment

$ 1,385.36 + T/I / $ 1,385.36 + T/I / month*month*

You SaveYou Save

$1,463.64 month$1,463.64 month

That’sThat’s

$17,563.68 / year$17,563.68 / year

8*BASED ON 6.25 % INTEREST

UPSIDE DOWNUPSIDE DOWN

BEHIND IN PAYMENTSBEHIND IN PAYMENTS

IN FORECLOSUREIN FORECLOSURE

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Loan To ValueLoan To Value

High Debt To Income Ratio’sHigh Debt To Income Ratio’s

Notice of DefaultNotice of Default

Notice of Trustee SaleNotice of Trustee Sale

Alternative Income AllowedAlternative Income Allowed

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We We BUYBUY your note from your bank your note from your bank

We We OFFEROFFER you a you a NEWNEW Restructured LOANRestructured LOAN with minimum qualifications needed!with minimum qualifications needed!

Each homeowners situation isEach homeowners situation is UNIQUE UNIQUE with a with a 90% approval ratio!90% approval ratio!

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

program that you will qualify for.program that you will qualify for.

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

place you with our private investors on the place you with our private investors on the following program.following program.

30 year fixed rate30 year fixed rate

Prime + 3% or 4%Prime + 3% or 4%

3 Year Pre-Payment Penalty3 Year Pre-Payment Penalty

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1003 1003 Uniform Loan ApplicationUniform Loan Application

Authorization & Disclosure FormAuthorization & Disclosure Form

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

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

Hardship LetterHardship Letter

Hazard insurance (Declaration pg.)Hazard insurance (Declaration pg.)

Copy of Driver’s License(s)Copy of Driver’s License(s)

All Correspondence Letters (from Lender to Borrower)All Correspondence Letters (from Lender to Borrower)

Notice of Default – if ApplicableNotice of Default – if Applicable

Notice of Trustee Sale ‐ if ApplicableNotice of Trustee Sale ‐ if Applicable

Loan Modification Documentation – if ApplicableLoan Modification Documentation – if Applicable

Property Tax StatementProperty Tax Statement

Payment Payment $4000.00$4000.0014

CAN’T DO:CAN’T DO:

No IncomeNo Income

DTI Over 50%DTI Over 50%

No Condo’sNo Condo’s

CAN DO:CAN DO:

Verifiable IncomeVerifiable Income

DTI 50% or lessDTI 50% or less

Owner OccupiedOwner Occupied

Second HomesSecond Homes

Rental PropertiesRental Properties 15

Borrowers whose mortgage is more than 6 Borrowers whose mortgage is more than 6 months past due and with more than months past due and with more than $8,000.00 being required to reinstate the $8,000.00 being required to reinstate the loan will have a greater chance of loan will have a greater chance of successfully negotiating a situation successfully negotiating a situation appropriate alternative to foreclosure appropriate alternative to foreclosure utilizing this plan. If you’re less than utilizing this plan. If you’re less than $4,000.00 $4,000.00 in the arrears this plain in the arrears this plain IS NOTIS NOT for you for you PERIODPERIOD..

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•AppraisalAppraisal•Credit ReportCredit Report•Title SearchTitle Search•Processing FeeProcessing Fee•Administrative & Due Diligence AnalysisAdministrative & Due Diligence Analysis•Time frame of negotiation are from 45 to 120 daysTime frame of negotiation are from 45 to 120 days•Must have a verifiable source of income Must have a verifiable source of income PERIODPERIOD•Total Amount To Investment In Your Total Amount To Investment In Your

SituationSituation: $4,000.00 : $4,000.00

[Name][Name][XXX.XXX.XXXX][XXX.XXX.XXXX][E-mail][E-mail]Mortgage Restructuring AnalystMortgage Restructuring Analyst

Please feel free to contact us via email to set up an Please feel free to contact us via email to set up an appointment Thank You In Advance. Also feel free to appointment Thank You In Advance. Also feel free to forward this to anyone who could benefit from this SYSTEMforward this to anyone who could benefit from this SYSTEM

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Phone: 605.475.4825Phone: 605.475.4825

Access: 497311#Access: 497311#

10 A.M. Eastern Time10 A.M. Eastern Time

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