Today's Home Solutions of America claims it can eliminate homeowners' negative equity through a principal reduction refinancing program, where they purchase mortgage notes at a discount and refinance the homeowner into a new loan with a lower principal balance. They guarantee they can save homeowners over $884 per month and eliminate $110,000 in negative equity through a refinance with a 90% approval ratio within 180 days for a $1,595 fee. The document provides details on the refinancing process and requirements.

1. Today’s Home Solutions of America
Be a part of the home solution
"Eliminate" Negative Equity with Our Principal Reduction

2.  Today’s Home Solutions of America
 We purchase notes at a discount, based on
market value, which are then liquidated through
refinancing for a profit.
 We offer a 100% money back guarantee
refinance with principal reduction

3. This program is:
A MORTGAGE PRINCIPAL
REDUCTION
A TERM REFINANCING
HOMEOWNERS LAST CHANCE
TO REGAIN EQUITY
It is not:
A SHORT SALE
A FORBEARANCE
A DEED IN LIEU OF
FORECLOSURE
A LOAN MODIFICATION
FOR THE UNEMPLOYED

4. We REFINANCE homeowner a NEW LOAN with a new lender
90% approval ratio 100% money back guarantee 90-180 days turnaround
We BUY notes in bulk from the existing lender at a discount
Must have 45% Debt-to-Income ratio on the new proposed loan
Must be able to prove income
Must be upside down at least 25%

5.  We package notes from the same lender in bulk
of 20,30,50 notes or more
 We acquire a broad array of performing and non-
performing debt instruments and real estate.
 We refinance notes with FHA-VA-Conventional &
private lending companies

6. • Loan Amount Interest Rate Monthly Payments
• 1st Loan $150,000 7.5 % $ 1048.82
• 2nd Loan $ 50,000 9.0 % $ 449.86
• Total Loan $200,000 $ 1498.68+ T/I
CURRENT MORTGAGE:
• Current Market Value (CMV) / Broker Price Option (BPO): $100,000
• Loan Amount Interest Rate Monthly Payments
• Loan $90,000 (90% CMV) 7.25 % $613.96 + T/I
NEW MORTGAGE ESTIMATES:
• Instant monthly savings = $884.72, Eliminate $110,000 of NEGATIVE EQUITY!
• You Gain 10% Instant Equity (APR 7.431)
Savings

7. Your old mortgage
payment
$1,498.68+T/I /
month
You Save
$884.72 month
Your NEW
mortgage payment
$ 613.96 + T/I /
month
That’s
$10,616.64 / year
*BASED ON 7.25 % INTEREST
APR 7.431%

8. Doesn’t
matter if…
• Current in
payments
• Behind in
payments
• Upside down
Regardless
of…
• Loan To Value
• High Debt To
Income Ratio’s
• Alternative
Income Allowed
The
solution…
• We BUY notes
in bulk from the
existing lender
at a discount
• We REFINANCE
homeowner a
NEW LOAN with
a new lender

9.  We will refinance your property once we have
purchased the note into any conventional loan
program that you will qualify for.
 If your credit is damaged and you cannot qualify
through conventional refinancing, then we will place
you with our private investors on the following
program.
› 30 year fixed rate
› Prime + 4%
› 3 Year Pre-Payment Penalty with Private Lender

10.  PRINCIPAL REDUCTION PROGRAM
 $1,595.00
› Application Fee
› 3 appraisals,
› 2 credit reports
› 2 title O&E policies
› Processing
› 100% money back guarantee if we can’t reduce your
principal with in 180 days

11. • Principal Reduction Application
• Borrower’s Authorization
• Statement of Information Sheet
• Client Information Work Sheet
Application

12. • Mortgage Statement(s) (1st and 2nd)
• Income Documentation (pay stubs “30 days”, W-2, 1099)
• Hardship Letter – (Negative Equity is a hardship)
• Hazard Insurance (Declaration pg.)
• Copy of Driver’s License(s)
• Copy of Social Security Card(s)
• All Correspondence Letters (from Lender to Borrower)
• Loan Modification Documentation – if Applicable
• Property Tax Statement
• $1,595 payment in cashier check or money order
Documentation and Payment

13. • Direct 888-392-8640
• Fax 813-315-6004
• Info@TodayHomeSolutions.com
• http://www.TodayHomeSolutions.com
Today’s Home Solutions of America