Danny C. Flucke Jr.

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The typical media tries to tell you the "bottom" is here - We would rather show you the truth: http:/ / tinyurl.com/ yzp79ox To summarize the newly released report: "Today one out of every eight American homeowners with a mortgage (12.5 percent) are either in foreclosure or delinquent in their payments. The nation's September 2009 foreclosure rate rose to 3.12 percent. (Month-over-month increase of 2.6 percent and a year-over-year increase of 88.9 percent.) Total U.S. loan delinquency rate: 9.37 percent Total U.S. foreclosure inventory rate: 3.12 percent Total U.S. non-current* loan rate: 12.49 percent States with most non-current loans: Florida, Nevada, Mississippi, Arizona, Georgia, California, Michigan, Indiana, Ohio and Illinois. ------------------------------------------------- YOU can help these homeowners - And rightfully gain extra income in the process. It is estimated 86% of foreclosed homes never properly applied for a modification - And 72% of foreclosed properties were NEVER LISTED FOR SALE..!?!?!?! By using our exclusive US Treasury based Certified Lender Subsidy Spreadsheet Analysis (CLSSA) - Your clients and prospects will know EXACTLY which modification/short sale subsidies they qualify for - And your access to that information POSITIONS YOU FOR EXPLOSIVE PROFITS - While delivering MAXIMUM BENEFITS FOR YOUR CLIENTS AND PROSPECTS. And it is very easy to get started right now - Click here for your zero-risk and zero-obligation ABA (Affiliated Business Arrangement) preview: http://namoex.com/contactus.html We will reply with your complete ABA Partner information package - Including examples of highly effective free and close-to-free marketing tactics other ABA Partners are using to quickly dominate their markets - And become the obvious choice to do business with... ( Could you use an extra $3,475 in 6 days - Or 7 Lender approved short-sale listings in 11 days...? ) Click or call us now - And lock-up your zip code areas..... Thank you, Danny Thank you, Respectfully, Danny C. Flucke Jr. - Senior Partner Nationwide Mortgage Experts Direct: (714) 624-9479 Email: DCFJ@NationwideMortgageExperts.com Websites: www.NationwideMortgageExperts.com / www.NaMoEx.com LinkedIn: http://www.linkedin.com/in/DannyCFluckeJr Plaxo: http://DannyCFluckeJr.myplaxo.com/ Inman: http://www.inman.com/user/22381 PS: Sooner or later – Someone you care about will need expert mortgage advice - When buying their homes – And refinancing or modifying their current mortgages. Please pass along our website and contact information. You can trust they will receive the same high levels of respect and diligence. Thank you.

It's great to see the powers-at-be finally cleaning up the modification industry. But they have just barely scratched the surface. Most declined modification case files we review are pathetic. Simply put - They are nothing more than a slicker presentation of what the homeowner could do on their own. That is why the approval percentages are so weak for do-it-yourself and typical modification companies. (US Treasury reports less than 20% are approved.) We have earned access to the best program available anywhere at any price - And still refund almost one third of our clients modification fees. Remember - Lenders receive subsidies from the US Treasury for modifications and short sales. 99% of modification " firms* " do not have access to the proper federal spreadsheets and data feeds required to calculate those subsidies. ( " * " - Most of these companies are/were just sales people operating under attorney licenses to skirt the law. But let's leave the ethical and moral issues of over-charging suffering homeowners out of this article...) When BofA, Citi, Well Fargo, etc offers to lower a homeowners payment by $600 per month - That is normally just the subsidy amount. Many clients qualify for much, much larger payment reductions. Without a third party spreadsheet PROVING they actually qualify for a $900 per month reduction - The clients will never know. The lender is ALWAYS going to act in it's own best interest - And NEVER volunteer the maximum payment reduction available. PLUS - If the client does not qualify for any modification options - The federal spreadsheet automatically calculates the lenders short sale subsidy. Now a fully documented case file can be presented to the lender for a pre-approved short sale at or just below the current market value. As always it is "buyer beware". Here are a few easy questions to help you/your clients eliminate those "less-than-ethical" modfication companies: 1) "What is your guarantee?" - Anything less than a 100% money back guarantee is worthless. If they claim a "96.8% success rate" then why don't they offer a 100% money back guarantee...? 2) "What is your total fee?" - Normal fees allow 4 to 5 hours of processing ($300 per hour max) plus $100 for expenses. So typical fees should be between $1,000 and $1,500. BEWARE of companies charging a $499 "set-up fee" with additional open ended billing. We have reviewed client case files with over $3,000 in "extra" billings... 3) "When will we know our modification options?" - The EXACT modification options should be calculated BEFORE the lender receives the case file. (How else would the modification company know the maximum subsidy?) Do not allow a hope-and-pray-guesstimate to be presented to the lender. The lender is looking for a reason to lowball the modification offer - Or worse - Simply deny the modification request. Admittedly the lenders are getting easier to work with - Especially when the case file proves exactly the modification option requested - AND the lender is put on notice the case file will be escalated and a complaint filed with HUD if denied. Thanx, Danny Danny C. Flucke Jr. Senior Partner Nationwide Mortgage Experts, LLC Direct: (714)624-9479 DCFJ@NationwideMortgageExperts.com www.NationwideMortgageExperts.com / www.NaMoEx.com

Great article Tara - And an additional point to consider... Our ABA partners/realtors are having great success negotiating a pre-approved short sale listing price with the lender BEFORE taking the listing. We all know the most difficult part of a short sale offer/listing - Is getting the lender to move forward. The main sources of delays are the lenders being required to explore alternatives with the homeowner including modification options and outright foreclosure/deed in lieu. When a client/ABA partner referral DOES NOT qualify for a mortgage modification - The US Treasury spreadsheet details the exact short sale terms supported by the latest bailout program. Our program PROVES the homeowner does not qualify for any other options - AND delivers the exact short sale terms - Making it easy for the lender to pre-approve the short sale listing price. In summary: 1) Jane Doe/Realtor refers John Smith to NaMoEx for a possible loan modification. 2) John Smith does not qualify per US Treasury guidelines. (And receives a 100% refund) 3) Jane Doe is selected as the realtor to sell the home. (How much loyalty and trust is created when John Smith gets a 100% refund of his modification fee…!?!?!) 4) NaMoEx prepares the short sale pre-approval case file for Jane Doe to submit to ABC lender. 5) Typically within 7 to 10 days - John Smith and Jane Doe receive the approval to sell the home at the current market value of $429,000 - Instead of "trying" to come up with an offer close to the $585,000 balance owed. Remember - Lenders receive subsidies for modifications AND short sales...) Win - Win - Win - Win..... And why would NaMoEx do all this work for free...? Because our turn-key marketing programs will help Jane Doe create a "feeding frenzy" of highly motivated and qualified buyers - And hopefully a few of them will select NaMoEx as their lender... Thanx, Danny Danny C. Flucke Jr. Senior Partner Nationwide Mortgage Experts, LLC Direct: (714)624-9479 DCFJ@NationwideMortgageExperts.com www.NationwideMortgageExperts.com / www.NaMoEx.com