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Process is the only program that can help homeowners with an underwater mortgage build Equity into their property. Check it out today.

“Refinance Underwater Mortgage Help� Process IF you are a homeowner who has been affected by the housing market crash and now have a house you owe more than the house is worth, Freedom USA Investing can help YOU! We can help you reduce the overall mortgage amount, your mortgage payment, and have you refinance with a lower interest rate. We will be able to do all this AND help the homeowner increase their credit score all in one simple program. Homeowners needing help looking to Refinance Underwater Mortgages and LOWER their overall mortgage balance can do it with a couple simple steps. The process is simple and is explained in detail below: You start by filling out the Contact Form. CLICK HERE to fill out the form. We will look over the information. 1. We verify the homeowner owes more than the house is worth. 2. We will check online resources to check on the value of the property. We want to do make sure it is in the range of what the homeowner reported its worth. 3. If you qualify we will call you and send you the necessary paperwork to move forward. The homeowner will need a current Credit Report with credit scores from all 3 of the Credit Reporting Agencies. NOTE: Getting the credit score directly from the credit agencies will be more accurate. (,, and The homeowner will need to contact a local appraisal company to have an official appraisal done on the property. The homeowner(s) will need to fill out an mortgage application (Form 1003). We then get the homeowner pre-qualified for a lower mortgage from our mortgage team. Once we have the official appraisal and the homeowner pre-qualified for a lower mortgage, we move to the next step. Freedom USA Investing will contact the bank or credit union that currently holds the mortgage note. 1. We will start negotiations with the bank/credit union on purchasing the mortgage note. 2. Negotiations will go back and forth regarding the purchase of the mortgage note. 3. When the bank/credit union agrees to a discount price we buy the mortgage note. 4. Once we have purchased the mortgage note (at a discount price) we then can have the homeowner refinance it from us.


The homeowner refinances the “new” mortgage from Freedom USA Investing. The day of closing the homeowner now has:

1. 2. 3. 4.

A new mortgage (below market value-EQUITY). Gets to stay in their home. Does NOT have to bring any money to the closing. Does NOT affect their credit score negatively. FACT: May increase the score due to the Debt-to-Income Ratio has changed because the mortgage loan/ payment is lower.

“Refinance Underwater Mortgage Help” Example A homeowner owns a house with a market value of $300,000; however, his current mortgage balance is $375,000. He signs up with our program and Freedom USA Investing negotiates with the bank to purchase the mortgage note for $250,000. The homeowner refinances the “New” mortgage of $260,000 from Freedom USA Investing. Freedom USA Investing makes $10,000 for their time, effort, and negotiations. The homeowner now has a “new” mortgage of $260,000 -market value of $300,000 ($40,000 Equity). Win-Win Situation.

Many people may be asking yourselves “Why don’t I talk with the bank to lower the loan amount and skip using Freedom USA Investing.“ The answer is simple. The Banks will NOT work directly with the homeowner on giving them a discount. Stupid but True.

Refinance Underwater Mortgage Help is ALL 100% legal. Banks sell mortgage notes to other banks and investors all the time. Many times they take discounts. In this case, we buy the note at a discount then turn around and have the homeowner refinance it from us with a slight increase (that’s how we make money). You walk away HAPPY with a lower mortgage loan and payment. is the only program that can help homeowners with an underwater mortgage build Equity into their property. Check it out today. Refinance Underwater Mortgage Help Process

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