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To whom it may concern, My name is Karen Jackson. I am a Chicago Public School teacher and a proud first time home owner. Moving into a new home can be wonderful and difficult all at the same time. Home repairs can become very expensive when attempting to make the home all your own. As visited the site MNRcreditrepair.com, I saw information that related to a government program for first time home buyers. It stated that first time buyers can receive $7,500 for home purchased in 2008 and $8,000 for homes purchased in 2009. I immediately visited my local tax service and requested an amendment for my 2008 taxes for the special program. In less than one month, I received a check in the mail from the federal government for $7,500. With this money I was able to fund numerous home improvement projects for my new home. I am so glad, I visited MNR! Thank you Mnrcreditrepair.com

TAX MODIFICATIONS NOW YOU CAN LOWER YOUR HOME OWNERS TAXS DUE TO YOUR HOME LOSSING VALUE SOME STATES YOU CAN GO BACK TO THE YEAR OF 2003 AND LOWER YOUR TAXS AND MOST STATES HAVE CUT OFF DATES TO MEET BUT THEY ARE ALL TRYING TO HELP YOU SAVE YOUR HOME WAY PAY HIGH TAXS AND HAVE YOU HOME NOT HAVE THE SAME VALUE AS OF 1 YEAR AGO CALL NOW AND SEE IF WE CAN HELP YOU SAVE MONEY OR EMAIL US @mnr.s ervices@yahoo.com or sign in on mnrcreditrepair.com. By continuing, you agree that companies you are matched with may contact you by telephone, pre-recorded voice messaging ivr and/or “robo-calling”, sms message, and fax communications even if you are on a federal or state Do Not Call registry. This site is a free matching service intended to provide a variety of options and information, and is not responsible for services/information provided by third party providers. Between 1 and 3 companies will respond to your request within approximately 1 week. In some cases 1 or 2 additional companies may respond to your request after 30 days. Debt relief/reduction assumes successful completion of a program designed to help save funds to eventually satisfy unsecured debts, typically through negotiation and/or payment. Debt settlement programs involve risk and there is no guarantee that creditors will settle. Program fees and results vary, and programs are not available in all states. This site does not provide tax or legal advice. The Federal Trade Commission publishes articles at www. gov. us or go to www. helpmerepairmycredit . us that you are encouraged to read, including: www. creditcardmodificati ononline. com Use of this site is subject to our Terms of Use . See program terms for important disclosures. www. mnrcreditrepair. com All Rights Reserved. All trademarks are registered by their

How do reverse mortgages work? As you grow older there are chances that you will be requiring more cash to meet your health expenses. So, will it be a good decision to take out a traditional mortgage and continue paying for it even after your retirement? Certainly not, you can opt for a reverse mortgage instead. The U.S. Department of Housing and Urban Development together with FHA or Federal Housing Authority introduced the Home Equity Conversion Mortgage (HECM) program. It is commonly known as reverse mortgage. When can you opt for reverse mortgage? You will be eligible for reverse mortgage in case you are 62 years and above. Your home should be your principal residence and you must be the owner of the same. There should be enough equity in your home that can help you qualify for the mortgage. How does it work? You take out a reverse mortgage against the equity that is trapped in your home. So, when you take out a reverse mortgage, you free up a part of the equity. You do not have to make payments as long as you are staying in your house. The reverse mortgage has to be paid back after your death. Payments should also be made if you move out of the primary residence. The proceeds of reverse mortgage can be availed in the following manner – • You can avail the proceeds in form of a lump sum • In form of monthly payments • As line of credit • A combination of the above 3 How will you use the proceeds of reverse mortgage? The proceeds of reverse mortgage can be used for paying taxes, for renovating your home, funding a vacation, paying for a family member's education or paying for medical expenses. You can use the cash for just about anything. Recently, the HECM reverse mortgage home purchase program was introduced that allows a senior to take out a mortgage for the purchase of a new home. The new home is used as security. The reverse mortgage purchase program has just started and is yet to kick off in many states. Although reverse mortgage has been there for more than 25 years, it has always been a consumer’s favorite. The main difference between a traditional mortgage and a reverse mortgage is while in traditional mortgage, equity in your property increases and debt decreases, it is different in reverse mortgage. In case of reverse mortgage, the equity decreases, debt increases.

About us Our firm is comprised of professionals with many years of experience in the mortgage, debt collections and credit repair industries. Having these experts on our staff gives us the advantage of having the inside know how to cut through all the red tape and get results. Our staff is constantly attending seminars and courses in the credit industry in order to assure that we provide you with up to date information and give you proper consultation Settlements We've helped many individuals settle their collection debts for pennies on the dollar. Our staff includes ex-debt collectors who have the inside know how to not only settle your debt for a fraction of your balance but also to insure that your credit report is immediately updated to once you pay the settlement agreement Credit Usage alert A consumer statement can be placed on your credit report requesting that you receive a phone call the moment your information is being used to appy for credit or if you credit report has been pulled. This service will not only provide you with peace of mind, it also gives you the security and proctection you and your credit deserve. Loan Qualifier Program As you may know, the higher your FICO score, the greater chances you have to obtain an auto loan, personal loan and a home purchase loan. More importantly a higher score practically guarantees you a much much lower interest rate on any type of loan you obtain, This can mean thousands of dollars in savings. Our Loan Qualifier Program will show you how to improve your chances of obtaining a loan at the lowest rate possible. Credit Reports It is highly recommended to that you review your credit report twice a year so that you can have full knowledge as to how your credit stands and to insure that all your credit information is accurate. We provide full Tri-Merged credit reports. (TransUnion, Experian and Equifax). This detailed report will provide you with all three scores and detailed reasons on how each of your scores was determined.

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