Principal Reduction

Principal Reduction VS. Loan Modification

Loan Modifications are a great tool to help out homeowners.  A loan
modification provides a financial solution worked out between the homeowner
and the current investor.  But Loan modifications are difficult to achieve.
Ultimately, most homeowners will never be able to communicate with the back
end investor.  Most homeowners will stress day and night for months only to
find out that they are denied a loan modification.  Even if they do approve
you for that 3.5% interest rate, you will still owe all of that negative
loan balance.  What do homeowners do when they have nowhere else to turn?

Fortunately for today's homeowners, we have the program available to
overcome all of those obstacles. The keystone to our entire program is who
we approach. Most homeowners have approached loss mitigation, customer
service, or collections in hopes to achieve a solution to their financial
hardships.

As you have all probably experienced, nothing ever gets achieved by speaking
with these departments, because they never communicate so nothing ever gets
done properly.

We differ in the fact that we approach Wealth/Asset Management. Our program
packages up notes to make a note acquisition at a very reasonable price.

Once the notes are secured, your note will be re-written at the
current market value and without any repercussions. So you will get
a lower monthly payment and a 30 year fixed rate mortgage. The best part is
you will be considered regardless of your credit.

Principal Reduction Program Benefits

The eMerge Financial Advisors Principal Reduction Program is focused on
helping today's homeowner in their time of need. Our new product offers an
opportunity to reduce the homeowner's principal balance to  the current
market value, regardless of payment history.  Foreclosure, Bankruptcy,
Repossession are not a problem; even if you have been denied for a Loan
Modification, Short Sale, Deed in lieu of foreclosure, etc. We can still
help.

Benefits of the Principal Reduction Program:

Benefits of the Principal Reduction Program:
1.  Reduction in principal balance to current market value
2.  30 year fixed loan program
3.  Monthly Mortgage Payment reduced by 25%-50%
4.  No Credit score needed to qualify
5.  60-90 day turnaround time
6.  Not a lease option program
7. No Tax Repercussions**

** Please consult with your Tax Advisor for further information

Get Started

We understand how serious your situation is, and we know how important your
home is to you, that's why it is imperative to work with an eMerge Financial
Advisor to quickly find you the best solution. Please review the steps below
in order to complete your Principal Reduction Program in a timely manner.
Please do not hesitate to let us know if you have any questions.

Step 1 - Free Consultation

Please give us a call to begin your initial consultation. We need to consult
with you to make sure that a Principal Loan Reduction is right for you. If
you are on time with your payments experiencing a financial hardship, or are
unable to make your current mortgage payments, have a high interest rate, or
owe more than your home is worth in today's market, please start by calling
us now to see how we can help you.

Or, simply fill out the Opt-In Form on our Home Page and we'll get back to
you right away.

Step 2 - After Free Consultation

After your free consultation, in most cases, you will only need to provide
the following:

1.   Mortgage Statement(s) (1st and 2nd)
2.   Income Documentation (i.e. pay stubs "30 days", last yrs W-2, 1099)
3.   Hardship Letter
4.   Hazard insurance (Declaration pg.)
5.   Copy of Driver's License(s)
6.   All Correspondence Letters (from Lender to Borrower)
7.   Notice of Default - if Applicable
8.   Notice of Trustee Sale - if Applicable
9.   Loan Modification Documentation - if Applicable
10.  Property Tax Statement
11.  Copy of original mortgage note

We will then review the information that you provide and put together a
package to submit to your lender. We will fully analyze your case before we
begin the process to ensure you qualify for the program.

If you do not have all of these items available, our experienced staff is
available to answer any questions you may have.