Partial Home Financing Without Borrowing

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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?

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 homes equity into a savings program to meet future goals. Tell me more...