Program #1: "Guardian"

Principal Reduction to 90% of Current Market Value

**Program is great - straight forward and affordable.**

 How is This Accomplished? $4 billion dollar hedge fund Negotiates buying your Mortgage (Note) direct - get yours in the buying pool

Who can Participate?
Primary Residences and Investment Properties
Those with Late Payments OR No Late Payments

Cost: $1595 for 1st, 2nd (all included in the price)

In 3-4 Days: Fill out the required information and Find out whether your loan is a
good candidate, or 100% refund. 

Completed: in 60-90 Days you'll have a new New 90% Market Value Loan. Its true, be
bundled with 200 other loans.

Rate: Good Credit Score 5% or Poor Credit Score is Prime Rate +
4% (which is currently 7.24%)

1. Reduction in principal balance to 90% of current market value
2. 30 year fixed loan program
3. Interest rate as low as 5%*
4. Monthly Mortgage Payment reduced by 25%-50%
5. No Credit score needed to qualify
6. 10% instant Equity
7. 60-90 day turn around time
8. Never lose Title/Ownership of your home
9. Not a lease option program
10. No Tax Repercussions - no 1099 issued

Example:
Current Property Loan: $350,000 at 6% rate, interest only = $1,750 per month
Property Value: $275,000
New Loan at 90% CMV: $250,000 at 5% rate (with good credit) , Princ & Interest =
$1,340 per month!!!!

A Win Win!! New Market Value Loan AND Reduced Monthly Payment
___________________________________________________________

Program #2: "NNA":

Principal Reduction to 60% of Current Market Value

**primary Residences only - possible "exit" stragtegy, avoid foreclosure**

How is This Accomplished? $5 billion dollar hedge fund headed by a lawyer with 20+
years of experience, Negotiates buying your Mortgage (Note) direct - get yours in
the buying pool

Who can Participate?
Primary Residences Only
Those with Late Payments are best candidates (6+ plus months late)

Cost: $1595 for 1st, $400 additional for 2nd (all included in the price) upfront
and 4 points added to the new loan.

In 15-30 Days: Fill out the required information with a check $ and a contract to
purchase your note will be pursued.

Completed: in 60-90 Days you'll have a new New 60% Market Value Loan. Its true.

Rate: Fixed at 13% with a 3 year ballon payment. No Prepayment Penalty - you can
sell or refinance immediately.

Example:
Current Property Loan: $500,000 at 6% rate, interest only = $2,500 per month
Property Value: $350,000
New Loan at 60% CMV: $210,000 at 13% rate, Princ & Interest = $5,687. Sell Your home
for $300,000, pay realtor 5% and take away $60,000+ in cash.

Possibly a great "exit strategy", avoid foreclosure

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Since the Note selling is a Business to Business Transaction, we believe no 1099C is submitted
to the IRS from your original mortgage company. Check with a good CPA but I have been instructed that there would therefor be No Reportable Income to the IRS or Deficiency Judgements to follow you.

Read: NY Times Article

Call Kathleen at 415-793-3040
www.StopForeclosuresMarin.com


Kathleen Diringer
CA DRE License # 01451867

Tel: 415.793.3040
Fax: 415.785.4880
Kathleen@StopForeclosuresMarin.com