Press Release
Endorsement

Effective Lender Risk Mitigation & Homeowner Loan Workouts Must Also Include 4 Things:

THE 1st THREE ITEMS WILL HELP SOLVE THE RECENT DEFAULTS & FORECLOSURES THROUGH “LOAN WORKOUTS”; THE 4TH ITEM BELOW WILL HELP LEAD US TO A SOLUTION FOR THE FUTURE!

1. Public Education and Outreach | Help4ThePeople.Com™: The 13 Homeowner Solutions to Avoiding Default & Foreclosure™ Booklet (available on www.help4thepeople.com) is a public education and outreach service for borrowers and should be used by all market participants. If the industry does not make an unprecedented public educational campaign to change the negative public perception of the possibilities of solving a default or foreclosure, the problem and its inherent risks will continue to grow.

Homeowners Public Education Information Line: 800-770-0797 ext701

2. TID™ - Truly Intelligent Disclosures™ - TID™ was created by Attorney Rydstrom and published by the 110^th Congress on the problems and solutions facing the middle class, homeownership and retirement. “We don’t need more disclosures for disclosure sake. We don’t need new restrictive laws. We need less of both. However, we do need truly intelligent disclosures. Accepting TID™ is a defining moment in the industry. TID™ is a suitability disclosure with a waiver (plus). It protects the banks as well as the borrowers (and investors). Click for more on TID.

3. SHILO™ - Safe Harbor Intelligent Loan Options™ - SHILO™ was created by Attorney Rydstrom and published by the 110^th Congress on the problems and solutions facing the middle class, homeownership and retirement. “We don’t need more laws when we can use SHILO™ - which will reduce defaults and foreclosures “contractually”! SHILO™ is “contractual safe harbor” loan option provisions placed in the loan origination, refinance and loan workout documents upfront. This will protect the lender and industry as well as the borrower. Click for more on SHILO.

THE 1st THREE ITEMS WILL SOLVE THE RECENT DEFAULTS & FORECLOSURES, THE 4TH ITEM WILL LEAD US TO A SOLUTION FOR THE FUTURE!

4. FMII™ - Foreclosure Mortgage Insurance Investment Funds™ -

Long-Term Solution: To Avoid Repeat of Mortgage Meltdown:

Shadow Banking System - Price must be Paid for Risk, but it must be Affordable, and it Doesn’t have to be in Monthly Cash! The Banking System Must Have Certainty with Private and/or Public Guarantees, Insurance & Liquidity!

Article - Whos Zooming Who? Solutions to the Hollow Promises of Wall Streets Shadow Banking System! Part 1

FMII™ - Foreclosure Mortgage Insurance Investment Funds™ - FMII™ (DMII™, BMII™, etc.) was created by Attorney Rydstrom and published by the 110^th Congress on the problems and solutions facing the middle class, homeownership and retirement. “Risk must be paid for, or the price risk formula will be corrupt. There should be no free lunches, but that doesn’t have to mean the price for extra risk can’t be paid by an insured investment fund trading that risk-benefit on Wall Street, potentially building billions if not trillions in national equity. This is how we can reduce “market uncertainty” and “avoid market and loss extremes” while at the same time save millions of homeowners from being thrown out on the streets. Yes, it is simply silly to expect one who can’t afford something to pay extra with “monthly cash” that they don’t have. My experiences working on Wall Street taught me that “price” can be paid with non-cash items, or “cash-equivalents” and “non-cash” risk mitigation devices or insured investment traded funds. Hedge funds and private equity are uniquely poised to “help” us solve this problem, if we call on them.” Click for more on FMI, DMI, BMI, etc.

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