A Key to ending "underwater" and to avoid foreclosure
and avoid options such as Short Sales with it's nearly 50% failure rate, and depressing strategies such as deed in lieu, loan
modification, strategic default or just walking away, is to simply do our "Back Flip"®. That is where we "short pay"
your bank, save your home for you and avoid foreclosure! If you are behind in payments on your first or junior loans such as a Heloc we may have to stop foreclosure or a notice of default.
abovewater again begins with your New 75-80% market value loan with it's fast 20-25% equity, with all mortgage loans and any
2nds and HELOC vanishing as when they're paid off, resulting in a third less loan debt and more spendable cash! This
is the BEST alternative for how-to-avoid or- stop-foreclosure every time 831-998-7830
A further Key To Ending Your Underwater Problem is if your home loans are 10 to 20%, higher than current market values."
Or if the bank concludes there is trouble ahead with a Heloc converting to a loan with higher payments, or regular loan payments
Because that's when the banks are motivated to make
a deal. As we make a deal and buy your jumbo loan notes from the bank for all cash at a discount we will restructure
the deal and in effect quickly back flip it to you with a 75% loan from Vantage Bank and with a quick increase in equity of
25%. Your upfront cost is for the appraisal and if the transaction is the right size that may be all you pay. That
is a good deal! And Vantage Bank is licensed in all 50 states and as soon as they approve you, we buy your notes!
Our "Back Flip" Program Strategy and what it means to you -
You must have a Non-Conforming mortgage or jumbo loan and note owned and held by your
lending bank. We offer to buy all notes from your bank to legally restructure the ownership. Our profit is based on
the amount of discount we are to obtain. But instead of selling our interest to an investor we "flip the ownership back
to you" along with an offer of a new 75% loan to value with 25% equity, 1/3 less debt and much lower payments! You must
presently not be in the process of foreclosure or bankruptcy, or you may really need the legal help that we refer befow.
• Your home must have negative equity or be underwater by 20% if loans are now
under $500k, and 15% if loans are now $500k to $1 million, and 10% if loans are now over $1 million. This is KEY to the deal
and in actually motivating your bank to sell notes to us.
If you have a 2nd or Heloc loan it must also be with the same bank holding the first loan in order to include both in
our note purchase, or we will not be able to do the deal.
Your credit score determined by the best of three is either more or less than 680 and determines if your new exit loan is
permanent, or temporary to start and if available credit repair is necessary at the start. If you are behind in any
loan payments and your credit score is affected credit repair must be done.
• A property appraisal is your only upfront cost and is used to determine actual market value and for us to
use to negotiate with your bank and buy the note for cash.
You must personally complete a new form 1003 loan application and have proof of income and the debt to income of 38% to qualify
for the new loan. There are other authorization documents to approve and sign.
Your new loan will put your home "abovewater" with your new first mortgage and with no other junior loans
will allow you to sell your home if you like without penalty, and to refinance, or to rent your home out. You will have
no income tax or credit issues to be concerned about with our program. Call me if you have any questions.
If you are facing foreclosure avoid having your home becoming part of the "zombie inventory"
where the lender stops the auction and foreclosure of your home. This action keeps you as the owner of record so that you
will have to pay for any taxes, maintenance etc., to the local government agencies. This will be to your surprise and
for some time after you think it's all over! Make sure it is over and the lender is the owner and is responsible. Good
luck and call me.
Joe Thomas (Company) (831) 998-7830
how-to-avoid-or stop -foreclosure every time