The document discusses issues with the US home mortgage system, including the high number of homeowners who owe more than their home is worth or are delinquent on payments. It notes that Fannie Mae and Freddie Mac are urging struggling homeowners not to default, but also threatening consequences. It then describes services offered to help homeowners negotiate mortgage reductions through forensic loan audits to identify lender violations, which can strengthen the homeowner's position. Key details include fees for these services and how the mortgage reduction process works.

2. 1 in 7 “Million Dollar Homes” DEFAULTING NY TIMES: More than one in seven homeowners with loans in excess of a million dollars is seriously delinquent, according to data compiled for The New York Times by the real estate analytics firm CoreLogic.

3. 1 in 12 “Under A Million” DEFAULTING NY Times: Homeowners with less lavish housing are much more likely to keep writing checks to their lender. About one in 12 mortgages below the million-dollar mark is delinquent….

5. MILLIONS OF PEOPLE ARE… In Default or at Risk of Defaulting On Their Mortgage Payments…

6. MILLIONS OF PEOPLE ARE…Upside Down on Their Mortgage… AND… Having Trouble Getting Their Lender to Work With Them…

7. MILLIONS OF PEOPLE ARE… Current in making their mortgage payments. However, their homes are upside down and need our help and it will not affect their credit…

9. IT’S AS SIMPLE & EASY. Just Fax the following three items in for a Free Loan Review… #1. HUD-1 Settlement Statement / Closing Statement #2. Copy of all pages of the Uniform Residential Loan Application (form 1003) #3. Copy of US Individual Tax Returns (1st page only) for the two prior year period - prior to date of Settlement. Your Closing Agent… Can provide you with #1 and #2 documents if you do not have access to them…

11. Home Ownership Equity Protection Act (HOEPA)

12. Regulation Z

15. “When Violations Are Found” When your Forensic Audit finds violations of Federal State and/or Local law(s) in your documents, you have three options of what you can do with your Forensic Loan Audit: #1 Negotiate or File a lawsuit against the lender, representing yourself… #2 Hire an attorney to file a lawsuit against the lender on your behalf… #3 Hire The Mortgage Reduction Legal Team which will negotiate your Mortgage Reduction with “No Up Front Cost”… You only Pay If We Succeed In The Mortgage Reduction…

16. The Mortgage Reduction Process After You Complete The “Mortgage Reduction Program” Authorization Documents… Our team of Attorneys will send a Qualified Written Request (QWR) to your Lenders Legal Department, stating the violations. The Lender is REQUIRED by LAW to respond to the QWR within 20 business days after receipt. According to RESPA guidelines, the Lender MUST settle the matter within 60 business days, or RISK Violations with Banking Regulatory Bodies, and a possible threat of a Federal Lawsuit.

17. “When Violations Are Found” After The Lender Agrees On A Reduction… The lender sends out a L.O.I. (Letter of Intent) to The Mortgage Reduction Attorney stating the new terms of the new loan. After homeowner executes the L.O.I., lender sends out new loan documents to the Attorney for execution by homeowner. After lender receives new loan documents from our attorney, bank will discharge OLD loan and record new loan. New loan can be a 15yr or 30yr rate at lenders published rates. NO qualifying necessary by borrower to get into the new loan. At this time it does not matter if your credit is so bad that people are asking you for identification when you pay cash for something… YOU ARE QUALIFIED…

18. “The Mortgage Reduction” How Are The Mortgage Reductions Determined? NOTE: Mortgage Reduction cannot guarantee a specific amount in a reduction… REDUCTIONS: are based on a Present Bank REO ( Real Estate Owned) / Foreclosure market sales data in the immediate area of the subject property EXAMPLE: If you owe $150K on your home, and Bank REO / Foreclosure sales are selling for $95k-120K, Then $95k-120k is the range in value The DNA Mortgage Reduction Team would try to negotiate the principal reduction down too.

19. The Mortgage Reduction Fee. $0 to $125,000….……………………….………...…..$1,000 $126,000 to $250,000………………..……….……..$2,000 $251,000 to $400,000………………………….…….$3,000 $401,000 to $600,000.………………………...…….$4,000 $601,000 to $750,000.……………………….…..….$5,000 $751,000 to $900,000.……………………….………$6,000 $901,000 to 1M .……….....................................$7,000 $1M and up…………………………………………....…$8,000 The Forensic Report Is Not A Part Of This Fee. The MRP Team Is Only Paid If It Succeeds. There is no better offer anywhere in The USA.

20. Compare The Difference…. MRP / Modification Principal Reduction………………..YES / NO Initial Review Fee……………..…..FREE / VARIES Attorneys Negotiate……………….YES / NO Lower Interest ………………………YES / YES Income Based …………………..…….NO / YES Debt Ration Limitation ……….…...NO / YES Credit Required …………………...…NO / YES Hardship Letter Needed ………….NO / YES Completion Time …….30 to 60 Days / 45 to 150 Days Program Time …………..…Permanent / Temporary Guarantee ………………….………….YES / NO Appraisal Needed ………..………..…NO / ? New Closing ………………….……….YES / NO