- Welcome
- Principal
Reduction
& ShortRefi - Debt
Settlement
& Management - Residential
Loan
Modifications - Commercial
Loan
Modifications - Credit
Repair
- FREE
Shortsales
REALTORS(r) - Loan
Origination
- Leads
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Join UsBe Your Own Boss, Open Your Own Branch!The BEST product is PRINCIPAL REDUCTION, take a look... Conventional Loans to 95% LTV, Primary home, 41% DTI, 720 score (MI required) The industry is enjoying robust growth. The explosion in unsecured debt, followed by the recession, has left a growing number of Americans unable to repay their obligations. Meanwhile, the Bankruptcy Act of 2005 has made it harder for consumers to file to discharge their debts in court, the solution Debt Settlement. While many others are trying to save their homes from foreclosure and or need a loan modification or shortsale. No matter what financial situation a client have, they will need to repair their credit report or credit history. Join our team at Community Lending Group, Inc. and become an Agent with all the tools you need to succeed! We offer a wide variety of financial services, covering mortgage loans, loan modifications, credit repair, debt settlement, debt management. The variety of services you can offer to your clients allows you to increase the amount of clients, and the retention of them as they dont have to go no where else to get the other services. 
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- TARGET AUDIENCE: Clients who can't afford to pay for minimum payments
- SERVICE: We will settle debt with creditors to 55% of total debt guaranteed!
- AGENT INCOME: Earn 7.5 Points on Each Deal: 7.5 Points on a $40,000 debt settlement deal will put more in your pockets than getting a point on a $300,000 loan. Think about that…
- Use our potencial income calculator [click here]
- We take care of the processing for all the files
- Your Personal website loaded with tools, calculators, and educational content. Your clients can submit orders online.
- We provide State-Of-The-Art web-based Software (back-office)
- Health Insurance and dental insurance
- Complete package of all contracts and disclosures Including all updates (Regular legal compliance review)
- FREE ACH set-up with thorough client reporting Noteworld
- A monthly newsletter, keeping you informed and educated
- Segregated accounts that keep you in control – We never take possession of your money
- Client pitch coaching, a hotline to answer your questions
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- COMPLIANCE: No licenses required, you get paid 1099 (our corporate office are Certified Arbitrators)
- STATES: 47 States (No Virginia, New Jersey, Kansas)
Debt Managment
- TARGET AUDIENCE: Clients who pays debt and are sending a some additional money to finish faster.
- SERVICE: We will provide a payment plan, to accelerate the time of payment and save thousands in interest payments. Using the same totla money currently paying monthly.
- AGENT INCOME: Clients pays $795 flat fee. Our split is 50/50
- We take care of the processing for all the files
- Your Personal website loaded with tools, calculators, and educational content. Your clients can submit orders online.
- We provide State-Of-The-Art web-based Software (back-office)
- Health Insurance and dental insurance
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- COMPLIANCE: No lincese required, we pay you 1099
- TARGET AUDIENCE: Homeowners paying more than 31% of their gross income or facing foreclosure
- AGENT INCOME: You set the price (minimum is $1,995) and splits are 50/50 of any fees collected for negotiation.
- We take care of the processing for all the files
- Your Personal website loaded with tools, calculators, and educational content. Your clients can place orders online.
- We provide State-Of-The-Art web-based Software (back-office)
- Build your own branch/team, get and extra $100 per file under your team
- Health Insurance and dental insurance
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- *To run a full pre-qualification client must pay $25 for credit report and $199.95 for REO Property valuation report (these are 3rd party fees).
- COMPLIANCE: If you have a MB FL License you get paid 1099, otherwise is W2 (Out of FL get 1099)
You are witnessing a Trillion Dollar Opportunity Exploding Right In Front of You, even the “Experts” are desperately trying to master. So how big will this opportunity become? HUGE!!! But more importantly you must focus on how FAST it will grow and put yourself in the action NOW. What you have is at least DOUBLE the opportunity of the residential foreclosure crisis. And Commercial Loan Modification will prove to be MUCH more profitable for all the agents who don’t let it pass by. This opportunity is truly ground floor with all signs pointing to a “TSUNAMI” of potential deals across the nation. Only those who take advantage of this offer will be able to see how. We have stopped the train, right here and right now, to let you in.
- Help your clients obtain a loan modification or a Shortsale (shortsales revenue $18,750 to $50,000 Per Transaction)
- HURRY! Achieve Success in an Untapped Market
- Double the Opportunity of Residential Loan Modifications
- Package Includes Step by Step Process
- Establish Presence in the Commercial Industry
- NO Prior Commercial Experience is Needed
- U.S. Banks Currently have 1.4 Trillion in Outstanding Commercial Real Estate Loans
- Relentless Worsening in Commercial Real Estate Delinquencies
- The Credit Crisis has pushed $138 Billion of U.S. Commercial Properties into Default or Foreclosure
- Over 65% of Commercial Mortgages Maturing over the next few years are Unlikely to Qualify for refinancing
- Commercial Owners and Banks are Desperate
PRINCIPAL REDUCTION is not new as many loan officers and realtors may think…
To understand, we have to learn about what real estate investors do. Many investors buy and sell notes. There are two kinds; performing notes (PN) and non performing notes (NPN). The NPN or non performing notes are mortgages in default. These notes are usually sold by the current investor at a discounted price.
After a note is bought, the investor that purchased the note, becomes the new lender for the property owner. What now?… it’s to the new investors’ best interest to try to improve the performance of the note. This enables the value of the note to increase making the resale of the note at a higher price or keep it making a good return in their investment.
In order to improve the performance of the note they do what is called NOTE RESTRUCTURING. They restructure the terms of the loan with the property owner in order to reach a new agreement enabling the homeowner to make their payments on time… this is the same as what we all know as PRINCIPAL REDUCTION.
IMPORTANT: This program is not for every client, our investors are looking for clients that are capable to make the payments of the new note, with proven employment history. Our investors DO NOT WANT clients that will default again on the new note! Our investors reserve the right to denied the purchase of any note to any client at any time!
To understand, we have to learn about what real estate investors do. Many investors buy and sell notes. There are two kinds; performing notes (PN) and non performing notes (NPN). The NPN or non performing notes are mortgages in default. These notes are usually sold by the current investor at a discounted price.
After a note is bought, the investor that purchased the note, becomes the new lender for the property owner. What now?… it’s to the new investors’ best interest to try to improve the performance of the note. This enables the value of the note to increase making the resale of the note at a higher price or keep it making a good return in their investment.
In order to improve the performance of the note they do what is called NOTE RESTRUCTURING. They restructure the terms of the loan with the property owner in order to reach a new agreement enabling the homeowner to make their payments on time… this is the same as what we all know as PRINCIPAL REDUCTION.
IMPORTANT: This program is not for every client, our investors are looking for clients that are capable to make the payments of the new note, with proven employment history. Our investors DO NOT WANT clients that will default again on the new note! Our investors reserve the right to denied the purchase of any note to any client at any time!
| G U I D E L I N E S | ||
| Current LTV | 125% and above | |
| Residence Type | Primary, Second, Investments | |
| Property Type | SFR, Condo, 1-4 (no rural) | |
| Min BPO | $90,000 | |
| Employment | 2 years W2 and Self Employed (must proof with Tax Returns) | |
| New LTV | 100% | |
| New DTI | 45% | |
| DO NOT MATTER | Late mortgages, foreclosure, bk, poor credit scores... | |
| Closing Cost | No closing cost (No Title, No Stamps, No Appraisals, No Surveys, No UW, No Processing) CLIENT MUST PAY AT THE END OF TRANSACTION: A.- Back taxes owed, back HOA dues owed and prepay a year worth of homeowner's insurance. B- 3% of new loan amount, payable to the company you work for Mortgage Brokering or Real Estate. | |
| New Terms | Provided by our private investors Rate: 6% to 7% Term: 25 Years Amortization/10 Years Balloon Payment will be lower than current mortgage payment guarantee | |
| FEES PAID BY CLIENT | ||||
| AVM/BPO $ | Principal Reduction via Buying Note |
Principal Reduction via Loan Modification |
Short-refinance | Loan Modification |
| $200,000 and less | 3% of new loan amount | $1,995 + 1% of forgiven amount | $1,995 + 1% of forgiven amount | $1,995 |
| $200,000 to $300,000 | 3% of new loan amount | $2,995 + 1% of forgiven amount | $2,995 + 1% of forgiven amount | $2,995 |
| $301,000 to $500,000 | 3% of new loan amount | $3,995 + 1% of forgiven amount | $3,995 + 1% of forgiven amount | $3,995 |
| $501,0000 and more | 3% of new loan amount | $4,995 + 1% of forgiven amount | $4,995 + 1% of forgiven amount | $4,995 |
| Agent Commissions | 100% to Agent | 50% Company/50% Agent | 50% Company/50% Agent | 50% Company/50% Agent |
| Application Fee | $995 does not apply to FL, CA, MA, IL (where the States allows). Agents gets 50% of this fee | |||
The Credit Report is $25 and $199.95 for the REO/BPO Report (similar to appraisal = valuation report)
- Your Personal website (with your name and phone number) loaded with tools, calculators, and educational content. Your clients can submit orders online.
- We provide State-Of-The-Art web-based Software (back-office)
- Create your own team! You get $100 for any file closed by any of your recruited agents under your pipeline
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- PRIVATE LABEL: If you are a company and want to offer our product under your own company name, you can join us as an AFFILIATE, we will setup your own company website, the agreements will have your name, you will collect client's fees, etc. We will be the back end processing, and providing the platform for your success. PLEASE, call for more details pricing and agreement. [VIEW SAMPLE]. To review agreement and fees [click here]
- TARGET AUDIENCE: Clients with poor credit that need to repair mistakes on credit reports
- AGENT INCOME: $695 per credit repair (1 year service), splits are 50/50
- We take care of the processing for all the files
- Your Personal website loaded with tools, calculators, and educational content. Your clients can submit orders online.
- We provide State-Of-The-Art web-based Software (back-office)
- Health Insurance and dental insurance
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- COMPLIANCE: No licensing is required, get paid 1099
Loan Originators
- TARGET AUDIENCE: Refinance, New Purchase, Construction, Residential, Commercial, Foreign National, etc.
- Community Lending Group, Inc. a Correspondent Lender in the State of Florida
- INCOME: 100% Commissions, after a flat fee of $500 per file [*see agreement]
- No experience required, we offer coaching and training
- We take care of the processing for all the files
- Loans to buy new homes and refinancing
- Convential, FHA, VA, Hard Equity for residential and commercial
- We provide State-Of-The-Art web-based Software (back-office)
- Build your own branch/team, get and extra $100 per file under your team
- Health Insurance and dental insurance
- COST: No junk fees, no setup fees, 60 days trial, flat monthly fee of $49.95 to cover your personal website
- COMPLIANCE: If you have a MB FL License you get paid 1099, otherwise is W2
- *AGREEMENT: [download]
We will get your shortsale approved!
- We will negotiate with the bank
- We will take care of the bank approval
- You and your client pays nothing for shortsales
- We will try to get paid by the lender, in the event we dont get paid by the lender...(donations are welcome)
- No registration fee, no monthly fee of $49.95 (waived even after 60 days)
- Why we can obtain faster results? We send a complete package to the bank, including a credit report + BPO report (the client pays $25 for Credit report and $199.95 for BPO/REO Property Valuation Report)
800-935-9717 - Ext. 220 for more information
Telemarketing System - like the pros do!
- FREE Dialer Software
- Leads for dialers starts at 6 cents or you provide your own list
- Use Skype $2.95 as telephone for unexpensive service calls
- Scripts for all programs
- COST:One time setup fee $99 (we will do remote installation and training)
- REQUIREMENT: PC, fast internet connection and USB headset
- Our system will call and offer your services and we will email you who is interested
- 20,000 delivered calls for $350 is 0.0175 cents (less than 2 pennies)
- Messages are 30 seconds
- All legally and compliance FTC approved.
- Service include phone numbers
* Although Community Lending Group, Inc. makes every attempt to help you avoid filing for bankruptcy, every client situation is unique and we cannot guarantee that we will be able to keep you from filing for bankruptcy protection.