MORTGAGE ASSISTANCE RELIEF SERVICES DISCLOSURE – INITIAL

The following disclosure are being made pursuant to the Federal Trade Commission’s Mortgage Assistance Relief Services (“MARS”) Rules (16 C.F.R. Part 322).

IMPORTANT NOTICE: Before using this service, consider the following information:

We do not and cannot charge you any upfront fees in conjunction with agreeing to buy your dwelling via a short sale or for providing you any other type of mortgage assistance relief service.

We are NOT associated with any government agency or program, and our company is NOT approved by the government or your lender(s).

Even if you accept this offer and use our service to sell your dwelling via a short sale, your lender may not agree to change your loan or approve the short sale.

We are not and will not provide you with legal advice or representation.

At this time no one knows how long it will take to complete the short sale. There is no guarantee that the short sale or any other type of mortgage assistance relief service will be approved by your lender(s).

You may stop doing business with us at any time with regard to the short sale, our short sale negotiation services (if any),or real estate brokerage services (if any) which are being provided to you as a part of our effort to buy your house.

You may accept or reject the offer of mortgage assistance including the short sale approval that we may obtain from your lender or servicer. If you accept the offer, you may have to pay us a fee of $ -0- for our short sale negotiation services. This fee and all other fees associated with the short sale of your dwelling will be listed on the HUD 1 closing statement. You may be obligated to pay us or an affiliate a commission for real estate brokerage services if you reject a written short sale offer acceptable to the buyer.

If you stop paying your mortgage, you could lose your home and damage your credit rating.

Any decision to stop or limit communication with your lender should be determined by you and your legal counsel in accordance with the Fair Debt Collection Practices Act.