Banks, Lenders and Credit Issuers

Introducing: The Borrower Response Unit

Stablefooting Incorporated^TM is the premier architect of world-class sophisticated strategies to achieve and sustain optimum levels of account preservation for lenders. The stablefooting method provides lenders with the ability to create an equally shared common ground platform for borrowers, broker/dealers, and shareholders to lower their risk and increase their earnings by a short or long-term value added process.

Target Market:  Mortgage Underwriters and Mortgage Backed Securities Investors.

Capabilities:   The SFI capabilities to lenders create a clear, precise, and critical means of guidance to better forecast and hedge against loan loss. SFI exercises this practice by utilizing its method of “Borrower Transparency” to exact a remedy for loans in default. The insight behind this strategy captures non-performing asset for lenders before they result into a charge-off, removing all foreclosure liability and expenses, and allowing the lender to reclaim those re-conditioned accounts at a zero consumer acquisition cost.

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Method:     The SFI method utilizes a pre-emptive and an adaptive offense to create and establish a unique interface between lender and borrower at the point of loan origination to arrange, determine, and settle on what’s to happen to a loan in default before the loan  is written. This method of a predetermine outcome was created by the SFI “Platform^SM" to enable lenders to upgrade their policy and procedures for better rules of engagement, offering, both lender and borrower choice and the right of self-emancipation under the SFI process of a “Lender and Borrower Pre-nuptial Agreement (LBPNA)”. trademarked by SFI. The lender and borrower pre-nuptial is a mortgage loan prenuptial agreement between the lender and the borrower that includes other financial obligations of the borrower to the lender and other lenders such as personal credit cards, personal and/or business loans, auto loans, and the like that are attached to the borrower at the time emancipation rights for service is executed.

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 Strategy:  The SFI strategy provides the borrower with choice to allow the lender to have greater control and profitability over an executed loan. The SFI strategy of choice optimizes best business practices for lenders to obsolete current high risk lending and investments practices and convert to a lowest risk platform that synthesizes the sociology, behavior, and fear of both lender, borrower, and investor, while yielding the greatest means of profitability for all parties of interest. The SFI mortgage loan modification implements the lender/borrower prenuptial agreement to expedite the critical time difference between non-performance and final resolution of a defaulting loan and provides for the lender a full pay-off amount over the current write-down settlement amount to maximize lender’s overall cash-flow. With a combination of these strategies, SFI is able to create short-term deliverables to maintain a lenders’ healthy balance sheet and profitability of earnings.  

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Tactics:    The SFI tactic for loan modification begins with policy upgrades to offer “Emancipation Rights (ER)” to the borrower to provide the borrower with a Homeownership Protection Plan (HPP) entitled the “Platform^SM”. The Platform^SM system is a timeless patented process  that provides a financial safety net tailored to the specific needs of  the homeowner to avoid foreclosure and/or bankruptcy. By the borrowers’ pre-acceptance of emancipation rights as their strategic remedy of choice for the resolution of their loans in default; the lender becomes and is immediately entitled to their own emancipation rights to liberate themselves from the non-performing asset, the borrower, by either participation of the borrower in the HPP or non-participation of the borrower in the HPP with no liability or expense held against the lender once the loan is delinquent beyond 60 days. The tactical advantage over current HUD approved methods of resolving non-performing loans, bankruptcy, foreclosure and debt consolidation write-downs is that, by prearrangement, if a borrower does not fulfill their contractual obligation or honor their rights of service, the borrower(s) willfully forfeit their rights to the lender by volunteer surrender and allows the lender to immediately gain sole possession of title of the property in question and sell that said property to the stated HPP service provider to avoid consumer displacement and the tri-sector of financial damage caused within the lending, investing and credit markets; in addition to the downward trajectory in consumer credit and spending. By its nature, all HUD principles, foreclosure, bankruptcy, write-downs, bail-outs and aggressive lending, contribute to severe economic declines.
 

The SFI “Platform^SM” system utilizes its advantage of time and leveragability to remain with the financially injured borrower until relocation or a new mortgage reinstatement is possible. The SFI tactic engineers the freeing up of cash to the lender; strengthens the credit rating of the lender; and minimizes the collateral damage to the lender.

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Product:    The SFI product is the “Platform^SM” a patented salvage and restructure methodology designed to complete and revise the open-ended business practices that create mortgage lending losses. The Platform^SM was created to counteract those elements that cause loan loss and establish a timeless standard for all mortgage loans moving forward to avoid loss.

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Services Include:

• Homeownership Protection Plan Marketing Rights
• Lender Default Risk Servicing Rights

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Key Highlights are: