Peace Of Mind Policy

Peace of Mind Policy

Responsible Real Estate Investing Creates a Future
of Recession Proof Residual Income.

Before we outline our Peace of Mind Policy, it is very important that you fully understand the foundation of our success.

The Founder and Chairman of the company, Mr. Carl Hampton, implemented his philosophy of “Service After The Sale” into the structure of the company more than 30 years ago. This philosophy has served us well and been responsible for the continued success and growth of the company. We have doubled in size every four years.

Buying a home is for most people the largest single commitment we will ever make, so why after we have “signed on the dotted line” are we left to sink or swim on our own?

Up to the point of closing, we are surrounded by people, the real estate agent, the loan officer, the underwriter, the escrow agent and last but not least, the insurance agent. All of these new found friends have a vested interest in us reaching it to the closing. They all MAKE A LARGE AMOUNT OF MONEY off of us. As soon as the sale is over, they just like all fair weather friends, are all gone until they can make more money from us.

Now we get to the part that makes no sense whatsoever. The Lender, who has never met you, knows nothing about you, apart from what they were supplied on countless bits of paper by the loan officer (who for the most part is independent and paid to get them loans) gave you all this money based on “Numbers”, your credit score, your bank statements and pay stubs.

Most of these lenders have customer service centers run from outside the country. Their only contact with you, their client, is a monthly coupon statement sent through the mail.

Whatever happened to “Knowing your Clients”. For those of us old enough to remember the days when you went to a local bank and talked to someone who knew you, knew your family and also lived locally, their decision was always based on your ability to pay the loan, not some numbers on a credit report.

“Knowing Your Clients”.

We are very proud of the fact that no matter how many states we now do business in (we are currently licensed in seven(7) states), we are still a “Local” company. We set up local offices in the areas we wish to do business and from these offices we “Service After The Sale”. What does this mean? It means we are able to service all of our local clients in one location. Almost all our clients make their Home Loan payments at this location. They know all the members of staff, and the staff members know them. It makes the relationship “Personal” and therefore, we are not just another creditor calling.

What makes us different from other lenders is really simple. We know what we are doing. We know the local market. We know the local people. We are the “One Stop Shop” for local people who wish not only to purchase their first home, but pay it off and keep it.

What We Do.

(Better Than Anyone Else)

We are a group of companies that complete this process from start to finish. We do not use outside agents, nor do we need Real Estate Agents or independent Loan Officers.

Windsor Property and Surety purchases the Real Estate and becomes responsible for the re-hab of these properties. For the most part, these will be properties in areas of the city that have become run down. This allows us to purchase the Real Estate at the lowest possible price. We create a lot of local jobs by employing over 70% of all the tradesmen that work on the properties.

At this stage, we purchase outright or become an equal partner in a local Title or Escrow company. This normally creates more local jobs and allows us to control all the cost for our clients. We average over 2600 homes within a 10 miles radius of each local office that we establish.

Marketing And Selling The Properties Once They Are Completed.

This is the easy part. We have a number of programs that allow us to build a waiting list of clients who wish to purchase the properties long before they are finished.

Our number one program, or what we believe sets us apart from all other lenders, is our “Lease to Purchase” program. This program allows us to help hard working Americans reach their goal of getting their little bit of the “Great American Dream”. We call it “Building Communities”.

Before we outline how this program works, let's get one thing straight, the main street banks and press like to call companies like ours “Sub Prime Lenders” or even worse “Hard Money Lenders”. We think they should be ashamed of themselves. First, what gives them the right to call any hardworking American a “Sub Prime” client just because they don’t have a program or product that suits over 60% of the population of Americans with a credit score below 620. We noticed that they have no problem asking the government for the tax dollars of these hardworking Americans to BAILOUT their so-called “Prime” clients and shareholders.

The Banks and Press will have you believe that these “Sub Prime” clients all have bad credit and can’t be trusted to pay their bills on time. This in fact is not true. Most Americans that fall into the lower credit scores have “poorly run” credit not bad credit. A lot of this has to be put down to poor financial education. No one ever teaches us how to run our financial affairs.

It normally takes less than six months for us to help our clients get their credit scores above the 650 to 680 level. All of this work is done without a fee to the client, this helps us build a strong and lasting relationship with these clients.

The Lease to Purchase Program.

This program is designed for 1^st time buyers which includes singles, both young and older, and families of all sizes. We have properties that range from 1-bedroom condos to 4 and 5-bedroom homes.

Step One. They complete an application that goes before a 3-person committee to see if they fit the program.

Step Two. Those applicants that we feel fit into the program are invited to a local interview. This interview allows us to meet the client and the client to meet us. They will also be asked to bring a number of documents with them. After accessing these documents, they will be informed of what is required of them to enter into the program. Once again there are no fees to the client.

Step Three. We now begin work on all the required forms and applications to get them to the viewing stage. They are also assigned a case officer who will work with them from now on. This caseworker will remain their caseworker for as long as they remain a client. The caseworker is responsible for ensuring that they fully understand the commitment they are making.

They will be made aware of all the costs involved in owning their own home, not just the Home Loan cost but the taxes, insurances and maintenance that come with owning your own home. There are no fees for this service. We are trying to ensure that we are only putting clients who will be able to stay the course into these homes.

Step Four. All of our clients would like to move into their dream home, normally a 3000 square foot 3 to 4-bedroom house with a large yard. The reality is that most of them can’t afford their dream home, so we spend time educating them that they need to buy what they can comfortably afford. We don’t live in a perfect world and things go wrong. For instance, the car breaks down or little Johnny needs a new computer. So we teach our clients that it is better to buy what they can easily afford and once they have built up equity, they can move up from there.

Step Five. “After the Sale Service”. This is what really puts us into a whole other class. This is what makes us the BEST in the business. Once the client has signed on the dotted line and moved into their new home, we help them feel like a part of the “Great American Dream”. Most Americans get paid on the 1^st and 15^th or every two weeks, so why wait until a certain date every month to get them to pay? We divide their payments into 2 and allow them to pay us when they get paid. But it does not stop there. We also put a payment plan in place that covers their Taxes and Insurances for the year. The way this is done is we pay the taxes and insurance for them and divide the premiums by 24 (the amount of payments in a year) and add it to their payments. Our clients are now fully covered for all those larger payments that can and do put families into a financial mess. They know exactly what they have to pay every paycheck with no surprises. It makes budgeting very easy. They receive a customer service call one or two days before each payment is due. We continue to work with them on their credit and make sure they are kept up to date with other services we have available to help them. They also have the choice of coming to their local office to make their payment or paying one of our collectors who will call their homes. Most of the clients come to the office.

Peace of Mind Policy

Responsible Real Estate Investing Creates a Future
of Recession Proof Residual Income

More and more Americans now understand that they should have taken more control over their retirement. After all, you would not have handed over your children when they were born to someone you didn’t know and ask them to bring them back 25 years later as well rounded adults. So what made you think you could do this with your hard earned money?

Most of the time, the people giving you advice have less than you do. Generally speaking, we spend more time per week getting ready for a cookout than we do looking after our retirement.

Wall Street, sorry should that be “Fall Street” spends Millions of Dollars every month trying to convince us that there is NO other choice. Well that’s just not true. Let’s put this into some kind of perspective. The Adviser gets a commission from the company he wants you to invest in. This is normally a BIG NAME company. Remember, how they all held out their hands for our tax dollars. They have a massive advertising budget and sponsorship deals that they spend Billions of Dollars on as well as a high volume of administration staff and big fancy offices. So the real question here is HOW much of your Dollar is actually working for you?