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
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
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
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
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
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
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
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.