"Scheduled Collateral Ownership Reversion Exchange" (S.C.O.R.E.) is the powerful Real Estate selling program designed specifically for marketing vacant "REO" properties, and particularly for lender owned properties or those as acquired by municipalities under H.U.D. home sales programs.


This simple and powerful strategy represents a housing market solution that will:

• Introduce thousands of new qualified prospective buyers to the housing marketplace



• Create thousands of new jobs and demand for services as REO properties are responsibly offered for occupancy



• Eliminate the glut of vacant properties that flood most housing markets and mitigate downward pressure on housing prices



• Regenerate property tax revenues and eliminate vacant property related crime and social costs

These vacant foreclosure properties can be responsibly marketed as a "lease with option to buy" purchase to individuals who do not have substantial savings such as first-time homebuyers, and also to individuals and families who are employed and are recovering from a recent financial setback such as foreclosure. With S.C.O.R.E., these individuals and families that have otherwise been shut out of the realty marketplace, are offered the opportunity to occupy, refurbish, maintain and eventually own vacant properties that otherwise pose numerous problems to neighborhoods and entire communities as they continue to deteriorate. The S.C.O.R.E. solution represents a very substantial cost savings benefit for not just vacant property owners, but also for neighboring homeowners, municipalities, and prospective buyers who meet the income, occupancy and maintenance requirements that are provided by the S.C.O.R.E. lease agreement.

A viable new homeownership option that will instantly bring thousands of new prospective buyers to the housing marketplace is now available. S.C.O.R.E. is the cost-effective strategy for mitigating continuing costs incurred by vacant property ownership while presenting a fresh new opportunity for realizing the dream of homeownership. The "DEFERRED EQUITY EXCHANGE AGREEMENT" is a highly cost-effective mortgage modification agreement that cab be broadly implemented, and that specifically addresses limitations typically posed by secondary market pooling and servicing agreements. As applied on a national basis, it will:

As implemented on a nationwide basis, the combined S.C.O.R.E. - D.E.E.A. strategy will directly impact our national economy more significantly, more efficiently and more rapidly than any other "imposed" stimulus that can be applied. Millions of foreclosures will be prevented, reparation of the housing market will follow in real market terms, and lenders will instantly benefit from a major liquidity source that is not artificially garnered from taxpayer dollars. For in depth explanations of S.C.O.R.E and D.E.E.A. that include completed sample agreements, click on the link for each as noted.