Selling your home to avoid foreclosure is not always the best solution. With our program, we can save your home and eliminate your negative equity. Our company offers a proven resolution to help homeowners remove the economic impact of lost equity. We offer a free consultation with absolutely no obligation whatsoever for your particular situation. Principal Reduction is an effective solution!

The national mortgage delinquency rate is at an all time high. The current real estate crash and credit crisis have created a perfect storm whereby effecting millions of hardworking Americans. Families are struggling to pay their mortgages, often times for reasons beyond their control.

Many families face foreclosure because their income is down and their mortgage remains high. Not only is their credit being destroyed, but they stand to lose the equity they have worked so hard to build. To make matters worse, families are being evicted from their homes and at times a family breakup or divorce may become a likely scenario. Those who have never faced such a loss are unable to imagine the emotional devastation. Virtually every community in the United States is feeling the effect of the economic downturn.

Luckily, Guardian Group Funds and our Mortgage Principal Reduction Experts are here and we will help you stop home foreclosure and eliminate negative equity. Allow us to give back what you worked hard for, the dream home for you and your family. If you owe more than what your home is worth, seek an advice from one of our Mortgage Solutions Specialists and we sure can give you a better option than selling your home through our Principal Reduction Program.

Let us explain how this works:

• We use the buying power of a multi-billion dollar hedge fund to buy notes from the lender, at or below the current market value.

•Once we obtain the note, we will refinance the note back to the client at 90-100% of the current market value.

•The initial refinance will be through conventional means, utilizing a wholesale broker for the best rate.

•If the customer is unable to qualify for conventional financing, the terms will be as follows:

• Fico scores at 700 or better receive a 30-year fixed at prime plus 3% with a 3-year pre-payment penalty.

• Fico scores below 700 receive a 30-year fixed at prime plus 4% with a 3-year pre-payment penalty.

• Bad credit and late payments do not matter! We essentially can help anyone whether they are behind in their payments or in foreclosure. We offer our services to anyone who has at least 25% negative equity.

• A general rule of thumb: The customer has a maximum of 50% DTI after the transaction is completed, then we can reduce their principal.

You ask, how can we do this?

The power behind this program comes in bundling many notes together in one package to the lender. We bundle both the toxic assets and the “A” paper when submitting to the lender and buy the notes below the current market value, thus eliminating the negative equity for the homeowner. The homeowner is then provided with a 30-year fixed rate loan between 3-4% over prime, currently 3.25%.

What is the benefit for the Customer?

1. The Customer never loses ownership of their home.
2. The Customer refinances their home with up to 10% equity.
3. The Customer obtains manageable payments.
4. The Customer never has to worry about an ARM or a Balloon payment.