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The HELPPR™ (“helper”) Patented Loan Modification Plan Prevents Home & Loan Losses, and Can Lead to Profits for Both the Borrower and the Loan Owner!
The HELPPR™ Plan is Better than Any Other Loan Modifcation Plan!!!

I’ll never forget the first time the HELPPR plan was used. A family in Riverside, CA, where home prices were hit especially hard in the 2008 to 2011 recession, was about to lose their home to foreclosure. The family’s husband & father told me that he was earning enough to pay about two-thirds of the monthly mortgage. He had been turned down for a loan modification, and until he got a letter from me that I had sent to people facing foreclosures and short sales, he thought he was about to lose his home and his credit.

The lender and loan servicer were also ready to be hit by the underwater foreclosure and the expenses involved. I worked with the loan servicer to see if they would do a HELPPR loan modification, and they did! I got a happy phone call from the homeowner/borrower who kept his home and his credit, and got the reduced mortgage balance, smaller monthly payment, and all default was repaid, in exchange for transferring part ownership of the home to the lender. The lender had no loan loss. Since the home is no longer underwater today, the lender could get a profit on their percentage of the home if the home were to be sold or refinanced, and the borrower could also make money on his majority ownership in the home by selling the home. Everybody won!

ATTENTION Homeowner/Borrowers:

Avoid Short Sale or Foreclosure; Keep your home until YOU are ready to sell and move; Avoid lower credit score!

Pay no fee unless and until your loan modification is approved and you’re ready to sign it! And even then, the fee to HELPPR™ is just $350. No need to pay thousands to a law firm or anyone.

In fact, you can save $50 or more if you can get your loan servicing company (where you mail your monthly payments) or your lender to work with you to do your HELPPR™ loan modification directly with you, without us having to arrange the loan modification with them. If that happens, you will pay the fee only to them, and no fee to HELPPR™.

If you can afford a monthly payment that is no higher than 40% less than your current monthly payment, you’re eligible!

Here Is How HELPPR™ Works:

HELPPR™ stands for Home Equity for Loan Principal & Payment Reductions.

You convey (sell) a percentage of your home to your lender (or to the current owner of your loan if your loan was sold by your lender) at current market value of that percentage. That dollar amount is used first to pay off any default, and the rest is used to pay off enough of your mortgage loan balance so that with your modified loan, you will only be making payments on that lower balance! That is what will reduce your monthly payments! If your interest rate is higher than current rates, and a reduction is needed to make your payments affordable, the interest rate may also be lowered.

Only you, the borrower/homeowner, has the right to live in the home, or to rent it out if you wish. The loan owner or lender to whom you have sold part of your home, does not become your landlord, and you will continue to be fully responsible for the maintenance, and insurance, of your home.

Then, after an agreed upon time, such as 2 to 5 years, you agree to buy back that percentage of your home either by selling your entire home, or by refinancing it. The idea is that when the real estate market has improved, and/or your personal financial situation has improved, you will be able to refinance or simply sell your home if you wish to move, or if it’s easier to sell than to refinance, for your situation.

If your home value has risen over those years, you will profit on the percentage of home you still own, that you never sold to your lender or loan owner. Likewise, your lender or current loan owner will profit on the percentage they own. If you refinance instead of selling, you won’t need to move. And, your lender/current loan owner will convey the percentage of your home, that they have been holding, back to you in exchange for the payoff, from your new refinancing lender, of the old loan principal that was still owed by you, plus the percentage of the home they have been holding, at its then current home value.

HELPPR™ gives both the homeowner/borrower and the lender/current loan owner the best possible results, far better than what happens if you lose your home and your credit to short sale or foreclosure, and the lender/loan owner loses money on the deal as well. In fact, the whole real estate market and the entire economy benefit from this HELPPR™ Plan!

Click on GET STARTED NOW! to use the HELPPR™ Plan for a new loan, a refinance, or for a loan modification if you’re the borrower, or if you’re in the residential loan business whether as lender. investor in securitized loans, a loan sevicer, or a residential mortgage insurer.”

ATTENTION Lenders/Current Loan Owners, Mortgage Insurers and Loan Servicers:

You can see from the “Here Is How HELPPR™ Works” section above how nicely the entire home loan sector of the economy benefits from use of the HELPPR™ Plan.

HELPPR™ costs nothing to lenders, loan owners (whether loans are securitized or not), mortgage insurers, and loan servicers. All such entities simply need to be licensed by the plan’s patent owner, Edward Morris Marshall (aka Dr. Ed),
for its use. Licensed entities can use the plan directly with borrowers without first contacting the patent owner, except to receive and sign the licensing agreement documents prior to the first usage. The royalty use fee, never over $300 , is collected from the borrower by the collecting licensed entity, and that fee is split 50/50 with the Licensor.

The HELPPR™ plan can be used for all new home loans, which can make non-agency loans easier to securitize and market, because it makes the investment safer! Also, all portfolio home loans are made safer as well by HELPPR™.

Even loans to be purchased by agencies are safer, and for home loan mortgage insurance companies as well, because the plan allows loss avoidance on most loans that would otherwise go to short sale or foreclosure.

There will always be cases where the borrower/homeowner cannot afford even a drastic reduction in loan principal and payments, but why not have that percentage of cases be as small as possible? The likelihood of eventual payoff of loans plus a profit at the time of the sale or refinance under the HELPPR™ plan should bring joy to the entire home loan industry as well as to the homeowner/buyers who save their credit and their homes, and may profit also in the end.

Click on GET STARTED NOW! to use the HELPPR™ Plan for a new loan, a refinance, or for a loan modification if you’re the borrower, or if you’re in the residential loan business whether as lender. investor in securitized loans, a loan sevicer, or a residential mortgage insurer.”

Added Texts for New Home Loans (Notes of all types) and Loan Modification Agreements (to modify Notes of all types)

Copyright © 2013 by Edward Morris Marshall

  1. Added text for Note documents to be used for new home loans, which may be assigned a Paragraph Number by the Institution(s) preparing such Note documents:

Alternative plan for management of default, impending default, and/or reduction of market value of the real property identified in the security instrument, in favor of note holder, to an amount less than the than the current principal balance owed under this note.

  1. I, as Borrower under this Note, or any co-Borrower or other person having an obligation under this Note, or Note Holder or any person or entity authorized to represent Note Holder, may request the preparation of a Loan Modification Agreement, under circumstances described herein, which neither I, nor any other Borrower or person having an obligation under this Note, nor Note Holder or Note Holder’s authorized representative, may refuse to adopt.
  2. This ALTERNATIVE PLAN shall apply in case of my default under this Note, in circumstances in which the following can be verified: my ability to make timely payments of a reduced amount, my inability to pay the current scheduled payment amounts, and/or that the current market value of the real property identified in the security instrument, in favor of Note Holder, has fallen to a level below the current balance due on this Note. I understand that this ALTERNATIVE PLAN is intended to prevent short sales, foreclosures, losses to Note Holders, losses of homes for Borrowers and loss of residential real estate values generally.
  3. As the first part of this ALTERNATIVE PLAN, known as HELPPR (Home Equity for Loan Principal & Payment Reductions), I will convey and transfer to Note Holder, the correct percentage of my real property securing this Note based on currently appraised, or otherwise agreed upon by the parties, value of said real property, in order to reduce the principal balance owed under this Note to the level which makes my monthly payments affordable, to the extent reasonably foreseeable by the parties. If my current interest rate under this Note is higher than the current average interest rate for similar notes, my interest rate will be reduced to that level. The percentage of the real property conveyed to Note Holder must be sufficient to reduce the principal balance owed on this Note to no more than the current market value of the securing real property. My conveyance of thepercentage of the above –referenced real property shall be done by means of a Grant Deed, Warranty Deed or similar recordable document as is appropriate under local laws governing the sale of real property.
  4. As the second part of this ALTERNATIVE PLAN for the Loan Modification of this Note, I agree to buy back the percentage of the securing real property under this Note no later than five years from the date of execution of the Loan Modification, unless a later date is subsequently agreed upon by the Note Holder. I agree to buy back that percentage at the higher of the current market value of said percentage, based on then current appraisal or otherwise agreed upon by the parties, or the value at which I conveyed that percentage of the property at the time of the Loan Modification. I understand that Note Holder may, if the value of said percentage rises sufficiently by the time of my repurchase, profit from that increased value in the same way that I may profit on any sale of my retained percentage of the property.
  5. I understand that I may sell the entire real property serving as the security for this Note, or I may refinance the entire Note in order to fulfill the repurchase, and Note Holder agrees to cooperate with either process. I understand that I may refinance or sell the entire real property at an earlier date than five years, either with the written consent of Note Holder if said sale or refinancing fails to pay off the entire amount of the original Note when combined with principal otherwise paid by me to Note Holder previously, not counting the value of the percentage of said real property sold to Note Holder at the time of the Loan Modification, or if said sale or refinancing succeed in making at least full repayment of this Note to Note Holder.
  6. I understand that upon the commencement of my monthly payments to Note Holder under the terms of this HELPPR loan modification, and during such time that I am not in default, I shall have exclusive right to reside in, or to rent/lease out, the real property that is the securing property for this Note. Note Holder, though a part owner of said real property, shall not be considered my Landlord nor shall Note Holder have any responsibilities or liabilities for the maintenance, upkeep, or any other expenses regarding said real property, and shall have no obligation to or liability for any negligence by me or for my defense in case of any lawsuit naming me as Defendant due to my alleged negligence regarding said real property. Furthermore, I agree to defend and hold Note Holder harmless, in the event of such litigation, and I agree to name Note Holder as an additional insured under a homeowner’s insurance policy that shall provide agreed upon reasonable coverage for fire and liability.

  1. Added text for Loan Modification Agreement when the HELPPR Plan is to be used as an ALTERNATIVE PLAN to other types of loan modifications:

If this statement is initialed here by Borrower ________ and by Note Holder or Note Holder’s authorized representative ________, the HELPPR type of Loan Modification shall apply herein, with the following provisions:

  1. As the first part of this ALTERNATIVE PLAN, known as HELPPR (Home Equity for Loan Principal & Payment Reductions), I, Borrower, will convey and transfer to Note Holder, the correct percentage of my real property securing this Note based on currently appraised, or otherwise agreed upon by the parties, value of said real property, in order to reduce the principal balance owed under this Note to the level which makes my monthly payments affordable, to the extent reasonably foreseeable by the parties. If my current interest rate under this Note is higher than the current average interest rate for similar notes, my interest rate will be reduced to that level. The percentage of the real property conveyed to Note Holder must be sufficient to reduce the principal balance owed on this Note to no more than the current market value of the securing real property. My conveyance of the percentage of the above –referenced real property shall be done by means of a Grant Deed, Warranty Deed or similar recordable document as is appropriate under local laws governing the sale of real property.
  2. As the second part of this ALTERNATIVE PLAN for the Loan Modification of this Note, I agree to buy back the percentage of the securing real property under this Note no later than five years from the date of execution of the Loan Modification, unless a later date is subsequently agreed upon by the Note Holder. I agree to buy back that percentage at the higher of the current market value of said percentage, based on then current appraisal or otherwise agreed upon by the parties, or the value at which I conveyed that percentage of the property at the time of the Loan Modification. I understand that Note Holder may, if the value of said percentage rises sufficiently by the time of my repurchase, profit from that increased value in the same way that I may profit on any sale of my retained percentage of the property.
  3. I understand that I may sell the entire real property serving as the security for this Note, or I may refinance the entire Note in order to fulfill the repurchase, and Note Holder agrees to cooperate with either process. I understand that I may refinance or sell the entire real property at an earlier date than five years, either with the written consent of Note Holder if said sale or refinancing fails to pay off the entire amount of the original Note when combined with principal otherwise paid by me to Note Holder previously, not counting the value of the percentage of said real property sold to Note Holder at the time of the Loan Modification, or if said sale or refinancing succeed in making at least full repayment of this Note to Note Holder.
  4. I understand that upon the commencement of my monthly payments to Note Holder under the terms of this HELPPR loan modification, and during such time that I am not in default, I shall have exclusive right to reside in, or to rent/lease out, the real property that is the securing property for this Note. Note Holder, though a part owner of said real property, shall not be considered my Landlord nor shall Note Holder have any responsibilities or liabilities for the maintenance, upkeep, or any other expenses regarding said real property, and shall have no obligation to or liability for any negligence by me or for my defense in case of any lawsuit naming me as Defendant due to my alleged negligence regarding said real property. Furthermore, I agree to defend and hold Note Holder harmless, in the event of such litigation, and I agree to name Note Holder as an additional insured under a homeowner’s insurance policy that shall provide agreed upon reasonable coverage for fire and liability.

GET STARTED NOW!

Simply complete the CONTACT US below, to get started, and please identify yourself as a homeowner/borrower, or as an agent or officer of a home loan business entity.


We welcome any questions or comments you may have regarding The HELPPR™ Plan.

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