Investors Finance Introduces HOMR^®

Investors Finance, Inc. (IVFI) is a public stock company established in 1960 (IFI). IFI has hundreds of approved Law Firms and Real Estate Brokers across the country working to help homeowners who have been impacted from today's Recession by being part of IFI's the Home Owner Mortgage Restructuring HOMR^®, program. To find out if your eligible please contact a Licensed Real Estate Broker, Licensed Mortgage Company, and or Attorney in the State you live in.

HOMR^® is different than a Loan Modification. IFI, (Investors Finance, Inc.) under its HOMR^® program purchases the mortgage note from the existing note holder Investor or bank. IFI will create a new note with terms of the note based on the current market value of the property and the current ability of the homeowner and "co-signor" to repay. HOMR^® is not a “loan modification program”.

Most loan modifications result in repayment of the current loan balance owed, interest, and any deferment and not a reduction in the principal balance. IFI goes direct to the Investor or bank note holder and by passes the telesales departments of your mortgage company or the loss mitigation department (trying to get the deed to the home). IFI works with the Investors and Banks Asset Departments to purchase the non-performing note(s) and to adjust the over-leverage portion of the mortgage to value. By purchasing the note IFI restructures the homeowners balance to today's present value offering a fresh start for the homeowner.

Why would the current investor or bank do this? When a note becomes delinquent in the monthly payments the interest due is delinquent and considered non-performing. Investors that hold mortgage note(s) from time to time package groups of notes (“pools”) together and sells them for cash to create liquidity. The banks that hold notes directly are highly motivated to get non-performing notes (assets) off of their books with the FDIC penalizing banks for holding onto non-performing assets. When non-performing notes are negotiated for sell they are sold in the secondary to new investors like IFI at DISCOUNT. 

Official BBB Policy published as to Investors Finance reputation...

Investors Finance, Inc is a lender that collects upon a promise to pay (monthly payments from an advance of cash). IFI is not a direct to consumer service relationship provider. Statement of Fact: IFI can not be beholden to the BBB when the BBB public display model is setup only for comments of a negative connotation from consumer to direct to consumer providers. Failure to perform on the promise to pay to IFI (become subject to debt collection laws which IFI strictly abides by) end up in collections are likely to react in an adverse and aggressive manner with emotional outbursts (i.e. blog(s), face book, MySpace, BBB, community networks). These types of posted public displays and outburst's of doubtful influence(s) can cause harmful delays to homeowners that are really in need of IFI's HOMR^® program."