Welcome to the EARN Group 
The EARN Group has created a variety of home financing tools that replace a portion of the debt financing on homes with equity financing. Our first product is the Equity Asset Redeployment NoteSM (EARNSM), which introduced a revolutionary way to refinance an existing home, or to unlock the power of your existing home equity. EARN Equity Note products allow you to buy a home, or to leverage your home equity for cash to provide retirement income, fund college savings, or drive other long-term financial goals. In these critical financial times you may also qualify to refinance your home with an EARN Note to reduce your monthly payments.
To that end, EARN is working to keep people in their homes through our Foreclosure Prevention Program. EARN is currently in discussions with city, county and state governments to selectively identify homeowners who would qualify for the program. Through the program we work with the lender and offer to buy the current loan at the fair market value of the home. Eligible homeowners are pre qualified for a lower mortgage with the government agency agreeing to retain an EARN Certificate that shares future appreciation between the homeowner and the government agency. In doing so, the government agency helps to stabilize housing by deleveraging the home and the homeowner agrees to share a portion of the appreciation with the taxpayer. The program requirements are designed to be applied to homeowners who have been in their current home for a minimum of five years and who can demonstrate that they have both the capacity to make the future payments and are wiling to participate in one of many programs currently available that promotes personal financial awareness.
The EARN Group is at the leading edge of changing the way we view financing owner occupied homes. With EARN Products you can reduce your reliance on your home for wealth creation by reducing your monthly payment and empowering you to expand wealth creation through diversified savings and investment.
How Can an The EARN Group Products Help Me?
| Buy a Home | Reduce your payment by 25% or more by using an EARN in combination with a conventional mortgage. Tell me more... |
| Refinance a Home | Use an EARN Equity Note to refinance an adjustable rate mortgage or negative amortization mortgage . Tell me more... |
Use an EARN to convert part of your home’s equity into a savings program to meet future goals. Tell me more... |
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| Retirement Income | Use an EARN to convert part your home’s equity into lifetime retirement income. Tell me more... |
Use your home equity to reduce or eliminate your mortgage. Tell me more... |
The EARN Group does not currently offer loans or mortgages directly to consumers but through participating third party organizations. The information contained on this website does not constitute either an offer to sell or a solicitation of an offer to buy any security or other financial product referred to herein. Offers to sell and solicitations to buy securities or any other financial product described herein will be made only pursuant to an offering circular registered with the Securities Exchange Commission or pursuant to an offering memorandum in a private offering, delivered in each case to the offeree. Information contained herein does not purport to be complete and is subject to various qualifications and based on various assumptions, not all of which may be set forth fully herein. The information contained herein is subject to change without notice, its accuracy is not guaranteed and it may be incomplete or abbreviated
© 2009 The EARN GroupSM. All rights reserved.