HELPING HOMEOWNERS ONE AT A TIME !!!

Dear Home Owner,

I understand that these are struggling times for you to stay in your home. Thank you for taking the time to seek out available options to help you stay in your home. All across the country home values have decreased up to 70% in value.

I am a full time Realtor and Mortgage professional with over 10 years of experience in this industry and I wanted to take this opportunity to inform you on a number of programs that are available to help home owners stay in their homes. The latest program available is called "Short Pay Refinance" - it allows home owners who are current with their mortgage to refinance into a fixed 30 yr mortgage at the current value of their homes.

For Example:
CURRENT MORTGAGE LOAN BALANCE $300,000
NEW APPRAISAL VALUE $200,000

REFINANCE INTO A LOAN 90% OF CURRENT VALUE : THATS $200,000 X 90% = $180,000 FIXED 30YR MORTGAGE

3 STEP PROCESS To determine if your lender will participate in Short Pay Refinance ! STEP 1 If your mortgage loan is owned by Fannie Mae or Freddie Mac, you will NOT be eligible for a Short pay Refinance to take advantage of lower interest rates and Value. Only loans that are NOT owned or guaranteed by Fannie Mae or Freddie Mac are eligible. Your mortgage company can tell you who owns your loan, or you can contact Fannie Mae and Freddie Mac directly by clicking on the links below and completing the forms for each company. Fannie Mae 1-800-7FANNIE (8am to 8pm EST) www.fanniemae.com/loanlookup Freddie Mac 1-800-FREDDIE (8am to 8pm EST) www.freddiemac.com/mymortgage Don’t be disappointed if your loan is owned by one of these guys, while they are not participating at this time, eventually they will. For those homeowners who do not want to wait, there are other immediate options that can help your situation: HASP Program- Click Here for Details Loan Modification- Call me for details! Short Sale - Click Here STEP 2 Please verify where your lender(s) is on this list below to determine if you are I of the lucky candidate to qualify for a short payoff refinance

Lenders OK Participating in the Short Pay Refinance AHMSI ASC Chase* EMC First Horizon First Franklin Green Tree Financial GMAC Homecomings Financial HSBC Ocwen SPS Taylor Bean & Whitaker* Wachovia* Wells Fargo* *Subject to the investor who owns the loan

Lenders NOT Participating in the Short Pay Refinance "At This Time". Amtrust Mortgage Aurora Bank Of America / Countrywide Central Mortgage Citi Bank WAMU Other Investors Not Participating in the Short Pay Refinance FHA Loans (Ginnie Mae) VA Loans (Ginnie Mae) If you have a FHA or VA loan your are eligible for a Streamline Refinance, which lowers your interest rate to current market rates at no upfront cost to you. Click Here

Step 3. Congratulation !!! Please Contact me for a schedule appointment or you may apply online at MortgageEveryday

**PLEASE CALL 702-349-6411 TO SCHEDULE AN APPOINTMENT AS THIS PROGRAM IS FOR A LIMITED TIME ONLY**

 For more information on these programs or if you have any questions please contact me directly.

I am looking forward to hearing from you and helping you stay in your home.

APPROVED STATES: Call for Details

Carlington Miller

vegas@carlingtonmiller.com

702-349-6411