US Equity Group LLC

Are You Expecting Social Security To Provide for

Your Retirement?

If the answer is no, and we're sure that it is, then please pay very close attention because the following information could make you thousands of dollars in the coming years simply by greatly increasing the yield on the same money that you're investing now.

We are professional Real Estate Investors and would like to spend the next few minutes explaining to you a way you can control your investments and safely help them to grow at three to five times your current rate. Yes, I know it sounds too good to be true, but it isn't. What we're going to share with you is very common in real estate circles and has been going on right under your nose in every city in America.

Smart people have been utilizing this investment for years. In fact there Have Been Entire Companies Built Around This Investment. And Those Who Do It Properly Have Grown to Huge Proportions. This is a very safe investment that produces high yields while at the same time provides security and liquidity.

Do you know what $25,000 is worth in 5 years compounded at a 7% yield' It's worth $35,063. But let's take that same $25,000 and invest it for the same 5 years at 15% simple interest instead of 7% compounded. Now it's grown to an amazing $43,750!

That's an $8,687.00 Difference Simply by Upping the Yield from 7% to 15%!

That's An Extra $1,737.00 / year!

Take Control of Your IRA, Pension Plan, Savings or CD's

Increase Your Yield

Earn 15% Instead of the Average 2-4% Interest

Take a look at the following 5 YEAR chart:

5 Years

Amount	7%		15%	Net Increase
	Compounded		Simple
$10,000	$14,025	$17,500		$3,475
$25,000	$35,063	$43,750		$8,687
$50,000	$70,127	$87,500		$17,373
$100,000	$140,255	$175,000		$34,745

These numbers are huge when you consider that in the above example the interest earned on the 7% investment could be invested to begin earning 15% too!!!!

If you expand it to a 10 year term, your $25,000 would be worth $49,178 at 7% but if you change the yield to 15%, it grows to an incredible $62,500. That's $13,322 free dollars you will actually receive. Can you really afford not to control your own investments' Does it still make sense for a bank to run your investments for you' They would like for you to believe it does.

Well, there is an alternative for you to consider. That alternative is:

- Private Mortgage Loans -

You can loan money, secured by a 1st or 2nd mortgage at up to 15% that will not only give you the safety you want, but will also give you the high yield we've discussed. Haven't you often dreamt of RECEIVING those monthly mortgage interest payments rather than PAYING them?

Let me see if I can answer some of the questions you may have about making Private Mortgage Loans.

Who Borrows At High Rates?

We do because we have learned that'

It's Not the Cost of Money That Counts -

It's the Availability.

I make it possible to acquire good deals in properties because the funds were available from private lenders that would not be available from banks. If a Real Estate Investor gets good at locating great deals on properties, then many times the bank wants to loan on the purchase price not the value of the property, thus penalizing him for being an astute Real Estate Investor. Having the money available will make or break the deal and paying a higher interest rate is irrelevant compared to...

The Loss of Thousands of Dollars in Profit

Because the Money Wasn't Available.

What Kind of Loans Are Private Mortgage Loans?

Let's clarify what kind of loan a Private Mortgage Loan is. It is a loan that you make to a Real Estate Investor and in turn is secured by the actual property that the Real Estate Investor purchases. That gives you security, the same security banks have! I'm not talking about high loan-to-value loans the banks and savings and loans make on homes. We deal with very low loan-to-value (LTV) loans. By that, I mean no higher than 65 or 75% of the value of the property securing the loan. Our typical LTV is 60% to 70%. That gives you additional security. This means if a property appraises for $80,000, we could buy it for $60,000. That's a 75% loan-to-value. It's obvious why this is a much safer approach than most lending institutions take. The banks make loans at an 80%, 90%, or even 95% loan-to-value ratio. Banks just don't have any cushion. Just look at today's foreclosure rates!

You, as a lender, won't lend more than 65% to 75% LTV regardless. You're making a safe loan. You should never make a loan without a 25-35% safety net. We don't violate that rule, so you come out a winner.

Do I need a lot of money?

No! We have taken loans as small as $10,000. The amount of the loan is determined by the borrower's needs.

Who handles all of the details?

We do. It's our job to get you proper documentation and protect your interest. All of this costs you nothing. The borrower (us) pays all the costs. If you make a $25,000 loan, you send a check for $25,000 to the closing agent and you get a mortgage for $25,000.

How do I get paid?

We will set up your IRA account. Just sit back and enjoy your 12-15% interest earnings. If you're retired and like a monthly check, we can do that too!

Is this a long-term investment?

It can be any term you want. You're the boss. Usually a private investor wants a five-year term, but some don't care if it stretches to ten or fifteen years. You can pick a term that suits your strategy for retirement. It's your money and it's your choice.

What if I want to liquidate?

If you want out, it will take up to 45 days. You really shouldn't make mortgage loans if you feel you will need to liquidate shortly, but the option is always available. And unlike a bank CD, there is no penalty for early withdrawal. Just give us a call and we will handle all of the details.

Is my investment really as safe as it sounds?

Yes! We follow these common sense guidelines that we've talked about. Your money will grow two, three, or even four times faster than your current investments and you maintain control. Remember that making loans is a business and should be treated like a business. If you set up a simple system and let the professionals implement that system, then your loan portfolio can be hassle free and produce staggering yields. Also remember, all costs are to be paid by the borrower'. not you!

Is this a mortgage pool?

No! You make the whole loan yourself. You get a lien against the property. You are the bank.

How do I use my IRA's or pension plan?

Making real estate loans is a widely accepted use for IRA's and Pension Plans. Think of it - now you cannot only loan out money that has been unavailable for to use, but you can make it grow rapidly and safely... Tax Deferred! Since Uncle Sam isn't taking a bite out of your profits until you draw out the money, more money is left in the account to compound and grow. The results can be staggering'

In order for you to use retirement accounts for loans they must first be administered by a 'Third Party Administrator' or TPA. This TPA is set up and approved to administer your loan activities. This means you will probably have to transfer your plan to one of these TPA's, unless of course, your present administrator is set up to do that. When your TPA is located, simply send the transfer form to them and they'll do all of the work for you. Once you've done that: You're Ready to Make Private Mortgage Loans!

Once we've selected a property, you simply instruct your TPA where to send the check for the gross amount of the loan and you're in business. There should be no cost to you except your plan administering costs. Some TPA's will even collect monthly payments for you and deposit them into your account. We have selected Equity Trust Company as our preferred TPA.

If you have any questions regarding your current plan or its administration, please contact your Plan Administrator. If you need help transferring your IRA funds to a Self Directed IRA, just give me a call. I've located the best in the country and I have all their forms in stock, so you can get going immediately.

What are my options if US Equity Group LLC doesn't pay?

Actually, there are several options. To answer this question:

1) Call us and we will send your money back.

2) We could ask to restructure the note. For example, let's say we are behind on payments to you. Now US Equity Group LLC can and would like to keep the property, but they can't come up with enough money to bring you current in one lump sum. You could let them continue to make regular payments and make an extra payment on their arrearage, or you could simply add the arrearage to the principal balance and extend the term of the loan. This means you would be collection interest on interest for the entire remainder of the loan. There is almost always ways to work it out if both sides are willing.

3) Have US Equity Group LLC deed you the property. This is an opportunity for you to get a property at a greatly discounted price. When this happens, you can create a tremendous profit center by reselling the property.

4) If left with no other choice, you should simply foreclose. Foreclosure isn't the evil, time consuming, costly legal process that most people think it is. It's as simple as sending your note to an attorney and saying 'do it'. All you have to do then is sit back and wait. Nine times out of ten, before foreclosure is complete, someone will be calling your attorney's office with a payoff letter and your loan will get paid off. When this happens, you will collect all accrued interest, your principal balance, and all attorneys' fees, court costs, and all other expenses you have incurred in connection with your loan.

If you wind up with the property, that doesn't mean you have to keep it. It can be sold immediately at a fair sale price and still produce a profit over and above your already high yield on your loan. Remember the safety margin'

Now, we're doing a lot of talk about default here and maybe more information than was necessary, but we just wanted to make sure you had all the facts and your questions are answered. In our years of business we have never been late on a payment.

What kind of documents should I receive?

Your closing package should contain the following:

1) An original Promissory Note.

2) Title Insurance to ensure no title liens or encumbrances.

3) A copy of the Mortgage. The original will be recorded and then sent to you.

4) A Fire Insurance endorsement naming you as mortgagee.

- These documents provide you security. -

In Summary

We've covered a lot in a short time. And I hope I've enlightened you on the awesome power of making Private Mortgage Loans. If this appeals to you, then you can get started right now. While most people are complaining about the low rates they are getting on their CD's and other low paying investments, you could be receiving a return of 15% all of the time'

Are you now ready to take action?

So what's it going to be' Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation' Or are you going to take control and make sure that when you get ready to retire you can do what you want, when you want, without worrying about money' And if you are already retired, you can squeeze every interest dollar out that you can.

Private Mortgage Lending is an incredible way to build wealth in a hurry that most people aren't aware exists. You're not one of those uninformed people anymore. If you have any more questions then please give me a call. Perhaps we can get together for lunch or just chat on the phone.

Sincerely,

Scott & Joyce Saunders

US Equity Group LLC

920-410-3111