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We Are A Major Buyer / Investor Of Cash Flow Documents
(251) 607-0610
vernon@eschenburg.org (E-mail) *
* If you do not receive a call or an e-mail reply within one working day, please call.
Member, American Cash Flow Association (ACFA)
President, ACFA Mobile, AL Chapter
Cash Flow Consultant
Certified Mortgage Investor
Diversified Cash Flow Specialist
Life & Viatical Settlement Representative
Just scroll down to learn more about us
Or Click On Below Cash Flow For Our Purchasing Offer Information
TOP
$$ DOLLARS $$
for
-Cash Flow Documents-
&
Seller Financed-
Notes / Mortgages and Trust Deeds
Established January 1995, HDMInc is a financial firm helping individuals convert payments they receive over time into a lump sum of cash today. If you own one of the above Cash Flow Documents, call us and we'll provide the Best CASH OFFER Available. Or scroll down for information and documentation needed in order to obtain a purchase offer.
Additionally, if you own a Cash Flow Document not listed, we will refer you to an appropriate Cash Flow Principal Buyer / Investor. Just contact us and we will provide their name(s) and phone number(s) for your direct contact. We are not requesting a referral fee from you or the buyer for providing this information. We only desire NAME RECONGITION for our referrals.
Our Mission Statement: "We do not provide quotes, we provide BEST CASH OFFER to meet our clients needs."
How much cash can you receive? Cash Flow Documents are evaluated individually to determine the current cash investment value using our "Present Value" Cash Out Program. Factors such as term, interest rate, payment history, credit history, collateral value, and others depending on the the type of Cash Flow Document contribute to this process.
How quickly can you receive cash? Generally, closing will occur within two (2) to six(6) weeks from when we receive full and complete documentation. Most closings do occur within three (3) weeks. Our underwriters make closings convenient, simple and secure. After you have provided all the required documentation, we will do the rest.
Can you sell part of the Cash Flow Document? In addition to a full purchase, we can purchase a portion of your Cash Flow Document which addresses your Real Cash Needs. By knowing the amount of cash needed, we can structure our Purchase Offer to meet your requirements.
American Cash Flow Association Chapter, Mobile, AL
Networking, support and marketing are primary keys to success in the cash flow industry. Contact with Mobile's area cash flow professionals is right around the corner! We would like to invite you to participate in our monthly meeting. Our membership is a combination of PTO graduates along with some community professionals and it WILL provide you the opportunity to jump-start your cash flow business. Call today (251) 607-0610 for more information and to make your reservation at our next meeting. Meetings are held every 3rd Thursday each month at 7 PM.
We will Treat You Fairly and provide the most $$ DOLLARS $$ for your Cash Flow Document.
Purchasing Profile
and
Business Service Listing
2. Annuities, Structured Settlements, Future Lottery Payments and Casino Winnings
3. Life (Senior) & Viatical Settlements
5. Referrals
7. If you wish to contact us directly
Seller Financed Notes / Mortgages / Trust Deeds
- Minimum Loan Balance: $40,000
- Maximum Loan: $750,000 (Usually)
- Ratio 1st to 2nd: 2 to 1 (i.e. $80,000 1st /$40,000 2nd)
- Balloon: NMT 80% of Loan Amount
- LTV (Loan to Value): 100%
- ITV (Investment to Value): 80 to 85% Credit, Property (Loan Structure affects ITV) *
- Minimum Seasoning: 1 to 12 Months (Investor's Call)
- Types of Real Property: Single/Multi-Family, Commercial, Unimproved Land, etc.
- Geographic Limitation: Nationwide
- * (1) Commercial ITV is 70 to 75% (2) Unimproved Land ITV is 65 to 75%
Information and documentation requested in order to obtain a purchase offer:
- Seller's Name, Address, Phone and FAX numbers
- Copy of Promissory Note
- Copy of Recorded Mortgage/Trust Deed
- Copy of Closing Statement
- Payor Name(s) and S/S No(s)
- Property and Neighborhood Description
Provide the above information to us via e-mail. We'll call for any additional information required.
If you wish, call us at (251) 607-0610
Annuities, Structured Settlements, Future Lottery Payments and Casino Winnings
Information and documentation requested in order to obtain a purchase offer:
- Seller's Name, Address, Phone and FAX numbers
- Annuities: Copy of Annuity Policy.
- Structured Settlements: Copy of Settlement and Release Agreement and the Annuity Policy.
- Future Lottery Payments *,#: Copy of Original Award Letter and if possible the most recent payment letter.
- Casino Winnings**,#,##: Copy of the Gambling Winnings Letter which states the amount, terms and dates of the payout and if posssible, the most recent W2-G or 1099.
- Dates and Amount of Payments
- Number of Payments to Sell
* Recommendation for Winnings of $7 million or less: If the lottery or casino winner is under 40, the annual payment is their SECURED FUTURE, and we recommend that they take the annual payments. 2) Between the age of 40 and 60 and if the winner DOES NOT REQUIRE A FINANCIAL PLANNER to manage their money, we recommend that they take the lump sum in order to enjoy and to invest. 3) And if the winner is over over 60, we recommend that they take the lump sum and enjoy every cent of it .
# 1 July 99, Lottery & Casino winners of annuity based payments will be receiving " A FULL PURCHASE OFFER" from their payment authorities. Before acceptance of their offer, contact us for an alternative process which you may desire to consider. As of 21 Sept. 00, New Jersey IGT winners will not receive a full purchase offer from their payment authorites.
## Currently and due to New Jersey's Laws and Requlations, we are not purchasing NJ's Casino Winnings. However,we are able to provide purchase offer for all other casino winnings..
Povide the above information to us via e-mail. We'll call for any additional information required.
If you wish, call us at (251) 607-0610
Life Settlements
SENIORS, you can now sell your Life Insurance Policy for the highest payment in cash. Our Life Settlement program provides: 1) A financial tool for estate planning 2) Can pay for long term health care 3) Cash for other investments 4) Can enhance your quality of life 5) Cash for travel and 6) Much more! We'll show you how to sell your life insurance policy in order to obtain the most for the funds you need.
If you no longer have a need for your life insurance policy or the insurance premiums are too expensive, give us a call.
Viatical Settlements
Additionally, we offer a valuable program for the terminal patient which provides a practical solution to their financial dilemma. The selling of a Life Insurance Policy produces a source of badly needed financial support that allows the terminal patient to live out his/her life with dignity.
Corporate-Owned / Key Man Life Insurance Policies
Sell Corporate-Owned / Key Man Life Insurance policies for the highest payments. Due to retirement, illness or whether immediate cash is needed to facilitate the transfer of a business to the next generation, repay a debt or buy back stock from a partner or share holder, give us a call.
Definitions
Life Settlement: The sale of a life insurance policy by a senior citizen (65+) for a discounted cash percentage of its face value to a third party.
Viatical Settlement: The sale of a life insurance policy by an individual who is terminally ill for a discounted percentage of it face value to a third party.
Viator: The insured person who sold his or her life insurance policy in a viatical or life settlement.
What Types of Insurance Qualify
1) Term (If Convertilbe) 2) Whole, Variable or Universal Life, 3) Any Type of Survivorship, 4) Adjustable Life, 5) Joint First To Die and 6) Group (If Convertible)
Process
Our representatives will coordinate the entire process and are committed to securing the highest cash price for your policy and they will do it with a caring, compassionate understanding of your situation. If you wish, you can even use some of the money and still designate the rest to your heirs. Selling a Life Insurance Policy is simple, just provide your name and phone number and we'll have a counselor contact you.
Accept this as an invitation to call (251) 607-0610 for more information. Or e-mail your name and phone number, we'll call as soon as possible..
For a fee of $299.00, we will provide a WRITTEN EVALUATION/APPRAISAL of your Cash Flow Document. If you currently hold an Seller Financed Note/Mortgage/Trust Deed, Structured Settlement, Lottery Winning or Casino Winning, we will fully evaluated the document and provide you with the Present Cash Value of the document. ADDITIONALLY, if we purchase the Cash Flow Document within one year, we will add the appraisal fee to the purchase price.
Cut and paste the information requested for the appropriate Cash Flow Document from above and send e-mail to us. We'll contact you to obtain any additional information required and provide an estimated time for a written appraisal.
If you wish, call us at (251) 607-0610
You can also receive CASH for referring: 1) A Life or Viatical Settlement, 2) A Structured Settlement, 3) A Lottery or Casino Winner or 4) A Seller Financed Mortgage / Trust Deed. If you know of anyone who would like to sell their Cash Flow document, we'll pay you a "Referral Fee", if and when the referred transaction is completed.
Remember, if you find a potential Cash Flow Seller, e-mail us with their name and phone number. We'll contact your referred party directly in order to initiate the transaction. Additonally, we'll keep you informed of the status of referral. A referral fee will be paid directly to you upon closing of the transaction. This normally will be within 4 to 12 weeks after signing a purchase agreement with us.
If you desire further information, you may e-mail or call us at (251) 607-0610.
Just for the asking, we will e-mail our Guide for the FSBO within Alabama. Just make your request by e-mail and we will reply with the GUIDE. Each time we have personally used the guide, we have sold and closed within eight (8) weeks.
If you have any questions: e-mail (vernon@eschenburg.org) or call us today. (251) 607-0610
Vernon O. Eschenburg (Vern) Captain, USCG (Ret) Vice President, HDMInc (251) 607-0610 Member, American Cash Flow Association (ACFA) President, ACFA Mobile, AL Chapter Cash Flow Consultant Certified Mortgage Investor (CMI) Diversified Cash Flow Specialist (DCFS) Life & Viatical Settlement Representative vernon@eschenburg.org(E-Mail) Top of Page
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