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About the EARN Group

Founded in 2004, The EARN Group creates products and services to help homeowners use their home equity to meet their financial goals. For first-time homeowners, this means increased home affordability through lower monthly mortgage payments. For existing homeowners, this means the ability to shift a portion of your home equity to be used for other purposes, such as retirement, college, or diversifying your investments.

We build our products to help people live a better life, we build them for the masses, not just for the affluent and high net worth market who typically have professional advice and much more room to recover from an error.  EARN is about helping people to be fiscally responsible, about not overleveraging your home, about saving outside of your home and living within your means.  It's about being able at retirement, to look back knowing that the work you have done has minimized your need to compromise your lifestyle when you stop working.

The EARN Group's first product is now being introduced as a rescue product to help troubled homeowners stay in their homes as they face increased pressure from declining housing prices and adjustable rate mortgages resettting at much higher rates. By utilizing the EARN products with a new market rate 1st mortgage, the homeowner can lower their monthly payments and stay in their home. The EARN Equity Note can also be used to extract equity from your home for use in achieving other financial goals.

For institutional and retail investors, this means a new way to invest in the residential real estate market. To date, residential real estate has been largely closed to outside investment. But now, the home equity that homeowners choose to shift to other uses has opened up a new and exciting secondary market.

The team members at The EARN Group each bring over 25 years of experience in all aspects of the financial services industry. Most importantly, each has built a reputation for the timely delivery of groundbreaking solutions.