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Actual Results

After Modification our clients average a 30 - 50% reduction in monthly payment.

2011 Year End Modification Report

	Files Modified	Payment Reduction	% Reduced	Arrears Deffered	Principal Forgiven
January	8	$4,158.68	28.90%	$290,895.74	0
February	8	$5,002.30	22.91%	$277,801.77	0
March	8	$3,873.89	26.83%	$34,410.97	0
April	17	$7,635.40	22.19%	$707,678.46	0
May	11	$6,541.09	30.50%	$528,338.03	$7,393.00
June	8	$8,762.81	45.11%	$643,168.60	$26,248.00
July	11	$5,845.07	36.86%	$314,111.50	$4,594.00
August	8	$5,647.90	30.89%	$239,280.00	$154,660.27
September	19	$13,177.21	64.00%	$898,953.80	$448,778.76
October	10	$6,184.02	38.00%	$256,706.00	$20,207.00
November	10	$7,666.00	41.00%	$481,829.83	$90,724.00
December	10	$6,724.40	35.00%	$427,665.21	$443,542.00
Yr. to Date	128	$81,218.77	29.27%	$5,100,839.91	$1,196,147.03

Individual Examples

Lender	SETERUS
Before Modification	Details		After Modification	Details
Payment	$2,143.00		Payment	$1,159.26
Taxes	$223.00		Taxes	$192.92
Insurance	$442.00		Insurance	$357.76
Interest Rate	6.875%		Interest Rate	5%
Months Passed Due	11		Principal Deffered	$103,033.93
Amount Passed Due	$29,769.69		Down Payment Amount	$0.00
Mortgage Balance	$313,767.73		Mortgage Balance	$343,446.42
Last Payment Made	December 2010		First Payment Date	November 2001

Lender	Aurora
Before Modification	Details		After Modification	Details
Payment	$1,345.80		Payment	$669.67
Taxes	$265.00		Taxes	$265.00
Insurance	$278.25		Insurance	$278.25
Interest Rate	6.75%		Interest Rate	3%
Months Passed Due	7		Principal Differed	$136,261.83
Amount Passed Due	$29,769.00		Down Payment Amount	$0.00
Mortgage Balance	$310,209.00		Mortgage Balance	$220,209.89
Last Payment Made	May 2011		First Payment Date	October 2011

Lender	Nation Star Mortgage
Before Modification	Details		After Modification	Details
Payment	$2,555.00		Payment	$1,334.55
Taxes	Included		Taxes	Included
Insurance	Included		Insurance	Included
Interest Rate	5.25%		Interest Rate	2%
Months Passed Due	12		Principal Deffered	$32,364.20
Amount Passed Due	$62,209.00		Down Payment Amount	$0.00
Mortgage Balance	$249.348.72		Mortgage Balance	$276,716.23
Last Payment Made	November 2010		First Payment Date	October 2011

Lender	Chase
Before Modification	Details		After Modification	Details
Payment	$3,435.00		Payment	$2,400.28
Taxes	Included		Taxes	Included
Insurance	Included		Insurance	Included
Interest Rate	7%		Interest Rate	4.5%
Months Passed Due	10		Principal Deffered	$0.00
Amount Passed Due	$51,163.17		Down Payment Amount	$0.00
Mortgage Balance	$422,559.16		Mortgage Balance	$473,722.33
Last Payment Made	May 2010		First Payment Date	February 2011

Lender	BAC
Before Modification	Details		After Modification	Details
Payment	$2,116.00		Payment	$2,132.00
Taxes	$151.26		Taxes	Included
Insurance	$233.33		Insurance	Included
Interest Rate	7.35%		Interest Rate	4.60%
Months Passed Due	40		Principal Deffered	$131,151.40
Amount Passed Due	$87,376.50		Down Payment Amount	$0.00
Mortgage Balance	$349,794.00		Mortgage Balance	$306,019.00
Last Payment Made	February 2008		First Payment Date	October 2011