At that time (2007) there were not many OPTIONS The term •Short-Sale" was not known and wag totally uncommon in the state of New Jersey. The largest banks and lending institutions such as Wachovia, Washington Mutual and Country%'ide Mortgage closed their doors practically overnight leaving a huge mass of billions upon billions of dollars worth of loans being •lost" with no paper trail to follow. Other major banks such ag Chase, Bank of America, Wells Fargo and many others with losses in the trillions of dollars were letl hanging on their fingertips to survive, and they would've definitely collapsed if it weren't for the bail out intervention of the US federal government!!!

In turn, those banks developed ways to help their borrowers gel through Wei' crisis by offering them better options to avoid foreclosure!!! Options such as Loan Modifications, Short-Sale and Deed-in-Lleu. I took full advantage of the options given to me I modified some properties, lost gome ag well, but I survived the storm!!! Today, I am back on my way up to the top!!! Now, I am here 10 help you do the same. THERE ARE OPTIONS and I want you to take advantage of them too!!!

I know the feeling of being down. I know the feeling of not being able to pay the mortgage. I know the feeling of creditors' "damn" phone calls. I know the feeling of hiding in the darkness of your own home. I went through it I completely understand your sense of embarrassment as a homeowner going through a Short-Sale. I understand that going through a Short-Sale can be difficult for some sellers to handle, but ultimately this is a business decision that is essential for you to make in order to ensure the long-term financial health for you and your family.essential for you to make in order to ensure the long-term financial health for you and your family.

I am not here to purchase your home, I am here to help you choose your best option and move on!!! My mission is to provide honest, free assistance to families facing Foreclosure in the state of New Jersey, to help them keep their home (Home Modification) or sell their home (Short Sale).

Attempting a short sale as a seller is complicated and requires a comprehensive plan and the ability to avoid common pitfalls. Obtaining strategic advice from a realtor with experience in short sales is absolutely crucial.

We will always try first to qualify you for loan modification which is a permanent reconstruction of the mortgage which provides more affordable terms and payments.

If you are going through a temporary short term hardship, a forbearance option might be possible, where you will be approved for a temporary reduction or suspension of your payment for that period of time. At that time, you might even get an EXTENSION which will extend the past due payment to a later date or to the end of a mortgage contract.

It is n option whcrc you voluntarily offcr to givc your property to the bank that will have to agree to take it back f om you.

It is the option where the bank agrees for you to sell your property for an amount less than the amount of your outstanding mortg ge loan.

It will stall Foreclosure, but NOT prevent it.

My team of experts and I will help determine which of these alternatives may be available for you.

Always remember, most banks would from go the extra mile to help you work out a solution for you to stay away from Foreclosure!!!

You should always try to avoid Foreclosure if it is at all possible!!!

Do not wait! Call me as soon as you gat this brochure. The sooner you call me the better and easier it is for me to help you.

I am not allowed to offer you any legal advice, however, I will connect you to the best team of people that have the best chance of carrying you successfully through the process of loan modification and/or short sale negotiation with the banks.

Success: Our team of experts performs at a high rate of success, helping hundreds of homeowners through the process! We can't guarantee that we can stop a Foreclosure, but we will guarantee to do our best to avoid it!!! We promise to work hard to represent your best interest.

Every homeowner undergoes different circumstances. We recommend that you speak with your attorney and your CPA, who can advise you on the legal and tax implication, concerning your situation. We can and will be happy to refer you to our team of experts, which includes; great tax professionals, real estate attorneys, and bankruptcy attorneys if needed. Our experts are experienced New Jersey professionals with extensive knowledge of a loan modification and the short sale process in the state of New Jersey.

Your short sale consultation is always confidential and free.

Monis Young and Exclusive Properties Realty LLC. assume no responsibility nor guarantees the accuracy of this document and they are not to engage in the practice of law nor give any legal advice. You should always consult with an attorney for all legal advice and your accountant that understand your potential tax consequences.