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INVESTORS:

Our goal is very straightforward: dramatically reduce the losses associated with mortgage default.

Early recognition reduces loss
The ability to avoid foreclosure depends greatly on how quickly a potential situation is addressed. Our experts work to assess these situations rapidly, which allows us to offer a wider variety of foreclosure alternatives.

Interview and Analysis
Knowledge truly is power. The more you know about a situation the more capable you are at dealing with the situation. LEM Financial approaches each delinquent borrower on a case-by-case basis. We discuss the cause of default and determine what the borrower's intentions are towards the debt. After talking with borrower we perform a financial analysis of the situation to determine the borrower's ability to repay the debt. We will also perform an in depth evaluation of the collateral securing the loan. Our trained counselors then work with the borrower and you to explain and assess the specific options. Once a loss mitigation alternative is determined, we take action to implement this solution in a timely and cost-effective manner.

Foreclosure is a loss for everyone
There are far too many lenders that assume foreclosure is their only option. Here at LEM Financial, foreclosure is our last option. The foreclosure process is an extremely costly and time-consuming process. The average foreclosure costs up to 5 - 10% of the loan balance and can take anywhere from a year to several years with contested foreclosures. During this time your asset deteriorates and your costs continue to climb with no income being produced. We have several options available to both the lender and the borrower that will help you avoid the time and expense of foreclosure. These options will maximize your recovery.

A variety of foreclosure alternatives to be considered:
Sometimes, modification of the note or mortgage can put a mortgagee back on track. Pre-foreclosure and short sales are often the answer, as are assumptions, deed-in-lieu, and note sales. We also structure repayment plans and forbearance programs with terms that work for you and the borrower.

All parties benefit through decreased losses:
Overall, our service will help you retain more of your fee/interest income and stabilize your collection costs. We will help improve your portfolio retention, preserve customer relationships and allow you to redeploy valuable staff resources. Simultaneously, we reduce credit losses for investors, and work on a "pay for performance" basis. And, when we are successful, borrowers remain in their homes.

Call us today at 1-800-827-9808 or 801-678-9355 to see how our entire suite of default management solutions can benefit you.

BORROWERS:

Call us today for a free and friendly consultation today: 1-800-827-9808.

Regardless of your situation we have a resolution. We have already helped people that are struggling with the same issues you are at this time. Such as:

• Unemployment
• Death
• Disability
• Divorce
• Medical issues
• Negative equity
• Can't sell your home due to the poor real estate market
• Low income
• Bankruptcy

In this world of confusion we are here to let you know that hope is not lost.
We have been doing loss mitigation work for the past 15 years.

We are here to help you negotiate with your lender. Let us help by taking the burden of dealing with your lender off of your shoulders.

We are here to open up a world of options to you that you did not know were available.

Call us today for a free and friendly consultation today: 1-800-827-9808.

Most people do not want to deal with their lender or stop paying their mortgages for the following reasons:

• People often feel intimidated when they are talking with their lender.
• People feel like they just don't know what is expected of them when talking with their lender.
  They do not want to appear ignorant when talking with their lenders.
• People do not want to be put on hold for several minutes and then end up being transferred and put on hold for several more minutes. After being on hold their phone calls are sometimes dropped or they end up having to leave a message that is never returned. Why waste my time.
• People want to just avoid the hassle and pretend like their problems with their lenders will somehow just go away. People will just throw away notices they get from their lenders. They will not return their lenders phone calls.
• People feel there is no hope for them when it comes to curing the problems they are having with their mortgages. People will just mail in their keys to their lenders and give up.
• People stop paying their mortgages because they owe more than their property is worth.

These are just a few things we can do to help:

Reduce your mortgage payments:
Are you in a runaway adjustable rate mortgage? Are your monthly payments too much and you are at risk of being in default? Are you on a payment plan that you cannot afford? We can help you negotiate better terms with your lender. We have been working with lenders for the past 13 years and we know what it takes to get loans modified. Lenders want you to be able to afford your home.

Loss of income relief:
If you are currently unemployed or you have had a sudden loss of income there are things the lenders can do to help you. DO NOT GIVE UP! We will explain your situation to the lender and negotiate the best possible solution for you.

Stop collection calls:
When we are involved the collection calls stop. The lenders are asked to speak with us and stop hassling homeowners.

Avoid Foreclosure:
We specialize in working with lenders on helping borrowers avoid or stop foreclosures. Banks do not want your home. The banks want to work with you. That is where we come in and help get things done. We negotiate with the banks on your behalf and help negotiate the terms that are best for you.

We are able to get banks to postpone/cancel foreclosure sales in order to allow us the time necessary to review all of the alternatives available that will help us avoid foreclosure such as modifications, short sales, extensions, deed in lieu, etc.

Call us today for a free and friendly consultation today: 1-800-827-9808.