Today's Home Solutions of America claims it can eliminate homeowners' negative equity through a principal reduction refinancing program, where they purchase mortgage notes at a discount and refinance the homeowner into a new loan with a lower principal balance. They guarantee they can save homeowners over $884 per month and eliminate $110,000 in negative equity through a refinance with a 90% approval ratio within 180 days for a $1,595 fee. The document provides details on the refinancing process and requirements.
Eliminate Negative Equity with Principal Reduction Refinance
1. Today’s Home Solutions of America
Be a part of the home solution
"Eliminate" Negative Equity with Our Principal Reduction
2. Today’s Home Solutions of America
We purchase notes at a discount, based on
market value, which are then liquidated through
refinancing for a profit.
We offer a 100% money back guarantee
refinance with principal reduction
3. This program is:
A MORTGAGE PRINCIPAL
REDUCTION
A TERM REFINANCING
HOMEOWNERS LAST CHANCE
TO REGAIN EQUITY
It is not:
A SHORT SALE
A FORBEARANCE
A DEED IN LIEU OF
FORECLOSURE
A LOAN MODIFICATION
FOR THE UNEMPLOYED
4. We REFINANCE homeowner a NEW LOAN with a new lender
90% approval ratio 100% money back guarantee 90-180 days turnaround
We BUY notes in bulk from the existing lender at a discount
Must have 45% Debt-to-Income ratio on the new proposed loan
Must be able to prove income
Must be upside down at least 25%
5. We package notes from the same lender in bulk
of 20,30,50 notes or more
We acquire a broad array of performing and non-
performing debt instruments and real estate.
We refinance notes with FHA-VA-Conventional &
private lending companies
7. Your old mortgage
payment
$1,498.68+T/I /
month
You Save
$884.72 month
Your NEW
mortgage payment
$ 613.96 + T/I /
month
That’s
$10,616.64 / year
*BASED ON 7.25 % INTEREST
APR 7.431%
8. Doesn’t
matter if…
• Current in
payments
• Behind in
payments
• Upside down
Regardless
of…
• Loan To Value
• High Debt To
Income Ratio’s
• Alternative
Income Allowed
The
solution…
• We BUY notes
in bulk from the
existing lender
at a discount
• We REFINANCE
homeowner a
NEW LOAN with
a new lender
9. 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 + 4%
› 3 Year Pre-Payment Penalty with Private Lender
10. PRINCIPAL REDUCTION PROGRAM
$1,595.00
› Application Fee
› 3 appraisals,
› 2 credit reports
› 2 title O&E policies
› Processing
› 100% money back guarantee if we can’t reduce your
principal with in 180 days
11. • Principal Reduction Application
• Borrower’s Authorization
• Statement of Information Sheet
• Client Information Work Sheet
Application
12. • Mortgage Statement(s) (1st and 2nd)
• Income Documentation (pay stubs “30 days”, W-2, 1099)
• Hardship Letter – (Negative Equity is a hardship)
• Hazard Insurance (Declaration pg.)
• Copy of Driver’s License(s)
• Copy of Social Security Card(s)
• All Correspondence Letters (from Lender to Borrower)
• Loan Modification Documentation – if Applicable
• Property Tax Statement
• $1,595 payment in cashier check or money order
Documentation and Payment
13. • Direct 888-392-8640
• Fax 813-315-6004
• Info@TodayHomeSolutions.com
• http://www.TodayHomeSolutions.com
Today’s Home Solutions of America