Double Your Commissions in Half the Time Doing Short Sales

3. People Need You!

4. People Need You!
• 80,000,000 American homes

5. People Need You!
• 80,000,000 American homes

6. People Need You!
• 80,000,000 American homes
• 56,000,000 homes with a mortgage

7. People Need You!
• 80,000,000 American homes
• 56,000,000 homes with a mortgage

8. People Need You!
• 80,000,000 American homes
• 56,000,000 homes with a mortgage
• 8,000,000+ delinquent mortgages
…and growing

9. 14.4% of Borrowers

10. The Big Problem
Almost 100% of
30 day
delinquencies default

11. How are you helping your neighbors?

12. Focus on Your Clients’ Needs
You can make a difference

13. Focus on Your Clients’ Needs
You can make a difference
Doing Nothing Is
Not a Option

14. Loss Mitigation Options
• Loan Modification
• Foreclosure
• Deed-in-Lieu of Foreclosure
• Short Sale

15. HAMP Formula
Target payment is 31% Front End DTI

16. HAMP Formula
Target payment is 31% Front End DTI
• Interest rate reduced to floor of 2%

17. HAMP Formula
Target payment is 31% Front End DTI
• Interest rate reduced to floor of 2%

18. HAMP Formula
Target payment is 31% Front End DTI
• Interest rate reduced to floor of 2%
• Term extended to as long 480 months

19. HAMP Formula
Target payment is 31% Front End DTI
• Interest rate reduced to floor of 2%
• Term extended to as long 480 months

20. HAMP Formula
Target payment is 31% Front End DTI
• Interest rate reduced to floor of 2%
• Term extended to as long 480 months
• Principal deferred within NPV guidelines

21. The No-Upfront Fee Sales Process

22. The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
Modification Process

23. The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
Modification Process
• Request Mortgage Statement, Bank
Statements and Proof of Income

24. The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
Modification Process
• Request Mortgage Statement, Bank
Statements and Proof of Income
• Determine Eligibility

25. The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
Modification Process
• Request Mortgage Statement, Bank
Statements and Proof of Income
• Determine Eligibility
• Present Results and Options to Borrower

26. The No-Upfront Fee Sales Process
• Free Consultation and Explanation of
Modification Process
• Request Mortgage Statement, Bank
Statements and Proof of Income
• Determine Eligibility
• Present Results and Options to Borrower
• Complete Application

27. Payment Schedule

28. Payment Schedule
$0 upon completion of Loan Mod Application

29. Payment Schedule
$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation

30. Payment Schedule
$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation
-$600 discount for on-time payment

31. Payment Schedule
$0 upon completion of Loan Mod Application
$3595 upon offer that improves borrowers situation
-$600 discount for on-time payment
$2995

32. Don’t do it for the money…
Refer them to a trusted source…

33. Don’t do it for the money…
Refer them to a trusted source…
Finders Fee Program

34. Don’t do it for the money…
Refer them to a trusted source…
Finders Fee Program
$300 for each modification

35. When a Loan Modification isn’t Suitable
USHLA will automatically
review, pre-qualify and present
short sale options, if suitable,
to all Loan Modification clients
referred to USHLA

36. Short Sale Income Opportunity
Short Sale Finders Fee
$300 for each successful short sale negotiation

37. Short Sale
Sell the property for less than the mortgage balance

38. Short Sale
Sell the property for less than the mortgage balance
Salient Benefits to Homeowner

39. Short Sale
Sell the property for less than the mortgage balance
Salient Benefits to Homeowner
- Sells home vs. loses home

40. Short Sale
Sell the property for less than the mortgage balance
Salient Benefits to Homeowner
- Sells home vs. loses home
- Net proceeds are same as in
foreclosure

41. Short Sale
Sell the property for less than the mortgage balance
Salient Benefits to Homeowner
- Sells home vs. loses home
- Net proceeds are same as in
foreclosure
- Participate in transition plan

42. Free Short Sale Negotiations

43. Free Short Sale Negotiations
• Investor Makes Offer on Property

44. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price

45. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission

46. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank

47. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow

48. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow

49. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• Cost to Real Estate Agent $0

50. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• Cost to Real Estate Agent $0
• Cost to Homeowner $0

51. Free Short Sale Negotiations
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• Cost to Real Estate Agent $0
• Cost to Homeowner $0
* Property must meet qualifying criteria

52. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1

53. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller

54. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller
• Send Listing to USHLA (Do not post on MLS)

55. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller
• Send Listing to USHLA (Do not post on MLS)
• USHLA investor makes cash offer
(Sell Property 1st Time)

56. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller
• Send Listing to USHLA (Do not post on MLS)
• USHLA investor makes cash offer
(Sell Property 1st Time)
• Bank does BPO (Listing agent helps influence)

57. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller
• Send Listing to USHLA (Do not post on MLS)
• USHLA investor makes cash offer
(Sell Property 1st Time)
• Bank does BPO (Listing agent helps influence)
• USHLA negotiates transaction with lender

58. Double Your Commission In Half the Time
Sell it once, get paid twice
Transaction 1
• Get Listing Agreement from Seller
• Send Listing to USHLA (Do not post on MLS)
• USHLA investor makes cash offer
(Sell Property 1st Time)
• Bank does BPO (Listing agent helps influence)
• USHLA negotiates transaction with lender
• Closing date set

59. Double Your Commission In Half the Time
Once BPO established
Transaction 2
• Establish price to sell within 30 days of listing with
multiple offers
• List property on MLS
• Simultaneously market property to investors
• Accept offer (Sell Property 2nd Time)
• Simultaneous closing date set

60. Professional Fees Earned
• Real Estate Agents earn full commission
on both transactions
• Mortgage Originators get to compete for
the mortgage on the transaction
• Mortgage Originators build stronger
relationships with Realtors and can earn a
percentage of transaction profit

61. Short Sale Income
Opportunities Program
Affiliate
25% of the net proceeds

62. Short Sale Income
Opportunities Program
Affiliate
25% of the net proceeds
Estimated 90 Day BPO $300,000.00
Estimated Listing price $277,500.00
Estimated Sales Expense $24,975.00
Estimated Net To Seller $252,525.00
Purchase price at target margin $196,969.50
Estimated Acquisition Expense $3,939.39
Estimated Net Proceeds $51,616.11

63. Short Sale Income
Opportunities Program
Affiliate
25% of the net proceeds
Estimated 90 Day BPO $300,000.00
Estimated Listing price $277,500.00
Estimated Sales Expense $24,975.00
Estimated Net To Seller $252,525.00
Purchase price at target margin $196,969.50
Estimated Acquisition Expense $3,939.39
Estimated Net Proceeds $51,616.11
$12,904 Split

64. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit

65. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property

66. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price

67. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission

68. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank

69. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow

70. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• USHLA Pays Affiliate Commission

71. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• USHLA Pays Affiliate Commission

72. USHLA Does 97% of the Work
Affiliate Gets 25% of the Profit
• Investor Makes Offer on Property
• USHLA Negotiates Price
• USHLA Negotiates Full Real Estate Commission
• USHLA Negotiates Fees with Bank
• USHLA Coordinates Escrow
• USHLA Pays Affiliate Commission

73. Short Sale Income Opportunities

74. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk

75. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk

76. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk
$20 – Per month for each login needed for

77. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk
$20 – Per month for each login needed for
USHLA’s Short Sale software program

78. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk
$20 – Per month for each login needed for
USHLA’s Short Sale software program

79. Short Sale Income Opportunities
$495 – One-time set up fee Includes:
• USHLA’s Short Sale Software
• Short Sale Software Training
• Weekly Loss Mitigation Training
• Access to Short Sale Help Desk
$20 – Per month for each login needed for
USHLA’s Short Sale software program
$0 – Seats for Realtor Partners

80. The Fine Print
*Affiliate will not be entitled to, nor receive,
any finders fee or percentage of the
transaction profit if the Affiliate or Referral
Partner is also a party to the transaction or
represents the buyer or a seller of the
property as a licensed Real Estate agent.

81. Stay Focused on Your Job!

82. Rely on a Trusted Partner

83. Learn More…
Referral Partner Inquiries Affiliate Inquiries
Contact Sandi Shaner Contact Greg Thran
Phone | (858) 270-7169 Phone | (805) 413-8037
Email | Sandi@USHLA.com Email | Greg@USHLA.com