Only to government bonds or FDIC insured CD's are safer - and we all know how low those yields are in today's market.

Our PRIVATE MORTGAGE investment program gives you a conservative investment offering excellent yields for today's market. It gives you confidence knowing your investment is secured by a sound family residential real estate investment.

We act as a mortgage broker by matching the borrower up with an investor. PRIVATE MORTGAGE notes are at a maximum of 65% of fair market value as determined by a licensed appraiser. Example: If the property appraised at 100,000 Dollars, the maximum amount of the 1st lien would be 65,000 Dollars. This gives you a 35% margin of safety in case of default and the property had to be resold. How would you like to buy the house you're in now at a 35%+ discount? If you have to foreclose, it is a positive, not a negative and you end up making an even higher return on your investment.

We deal only with borrowers who have no lien on their home or a small 1st mortgage that is paid off at closing. It most cases you will hold a 1st Mortgage.

WE FOUND YOU THE PREFECT MATCH.

Most of the private lender loans we place will have a 2 to 5 year term at 11% to 13% interest and are payable principal and interest monthly giving you a zero balance at the end of the loan.

All of the security documents are placed in the investor's name. In addition, if we service the loan, it is our policy to advance the scheduled payments so that each investor will receive their scheduled payment in a timely manner regardless of when the borrow makes their payment. Of course, every loan is owned and held by the investor and each investor can terminate our services at any time and take over the servicing and handling of each investor loan.

Everything goes through a real estate title company and their attorneys draw up the necessary legal documents. Upon receipt of the investor's check made payable to the real estate title company, a closing date will be established and the investor will receive the following, all of which will be in the investors name.

1. Original Recorded 1st Lien Mortgage Deed of Trust.
2. Original 1st Lien Real Estate Note.
3. Copy of Insurance Binder Naming Investor As Loss Payee.
4. Original Mortgages Title Insurance Policy.
5. Copy of Mortgage Funding Confirmation Statement.
6. Tax Escrow Account Set Up To Prepay Property Taxes.
7. Borrower Makes All Payments Directly To Investor Each Month Plus 1/12 of Estimated Taxes & Insurance For The Coming Year.

While there is a certain amount of risk in any investment, including CD's (inflation), real estate mortgage investments offer a substantial increase in investment return with minimal risk. This is a smart win-win investment backed up with real estate as security, and that is what prudent investing is all about.

WHAT MAKES THIS OPPORTUNITY BETTER THAN OTHERS I'VE HEARD ABOUT?

Real estate has a long history of out performing most fixed income investments such as bonds or CD'S. Pension funds and insurance company's invest billions of dollars each year in real estate mortgagees, most of it is retirement money from individuals like yourself. If you want safety and income, this is how you get it.

HOW IS MY MONEY PROTECTED?

We only act as mortgage brokers. We have no access to you money whatsoever. Your certified check for the amount of the mortgage is made out to the real estate title company and held in escrow until closing. If we are selling a mortgage we already own, then you would make out the check to our company and we would assign the mortgage to you at closing. The title company and their attorneys will prepare all the necessary legal documents to close the transaction. They will file the 1st lien mortgage note and deed of trust for you at the courthouse and will issue a title policy in your favor guaranteeing clear title to the property. They will make sure all back taxes are paid and a hazard insurance policy is in place on the property, prepaid for 1-year.

WHO COLLECTS AND SENDS OUT THE MONTHLY PAYMENTS TO ME AND WHEN WILL THEY BE RECEIVED?

You can have the borrower send the checks directly to you on the due date each month. If you contract with us to service the note we will collect the funds and send the payments directly to you normally by the 15th of each month. Your 1st payments will normally be received 30-days after closing.

WHAT IS THE WORST THING THAT CAN GO WRONG?

The borrower is unable for some unforeseen reason to make monthly payments and defaults on the mortgage. If that happens, then you can foreclose on the property, sell it and keep any profits. Since the loan to value is 60% or less, you should make a nice profit. Actually, the worst thing that can happen is probably that they pay off the mortgage early. Remember, you have the option of giving us 30-days notice and we will cash you out and handle the foreclosure proceedings.

WHAT IF YOUR COMPANY DISAPPEARS?

Remember, the 1st lien on the property is 65% or less of the market value and since you hold the 1st lien, you get paid first. You can foreclose on the property and sell it yourself. You can also service the note yourself or contract with a 3rd party to service the note and collect payments. Everything is in your name, not ours.

CAN I USE FUNDS IN MY RETIREMENT PROGRAM FOR THIS INVESTMENT?

Yes, IRA, Keogh Rollovers are acceptable. You need to set up a self-directed IRA account with a trust company to receive the funds from your current trustee in order to avoid any tax consequences. We can give you the necessary form to fill out, if requested.

HOW CAN I GET STARTED IN THIS INVESTMENT PROGRAM?

It's easy, just call us and give us the dollar amount you want to commit and we'll tell you what we have available. You would then send a check to the title company and they would set a closing date, it usually takes 10 to 14 business days to complete the transaction.

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