2.1.1 Introduction to Peer-to-Peer & Private Equity Mortgage Investment & Lending

Mortgage Investing Basics: 8%? 12%? 22%? Safe - Yes, Secure - Yes, Where? How? .... Really?

Mortgages are everywhere

Private mortgage investing is a worldwide practice and an excellent way to invest your money for both the short term and the long term. 

Mortgage security lasts forever, or until your money is repaid to you or you take ownership of the secured real estate

Unlike investments in non-mortgage instruments, mortgage security is registered on real estate via a land titles registry or escrow system. Your investment is secured against corresponding real estate and your interest in the property will remain until the mortgage "dies".  Death of a mortgage security investment happens by either repayment of the original principal (along with accrued interest) or, when the underlying property is sold and all registered debts (mortgages, property taxes, liens) are paid.

Mortgage security gives you full control

When you are a mortgagee registered on title, you have full control with respect to what happens with the underlying property. If the property owner is in default and the property goes into foreclosure, as a mortgagee, you have several options, namely: you can sit back and watch the proceedings from the sidelines, or you can effect your own transaction and control the process of how the asset is liquidated. For example, if the property is listed for sale due to non-payment taxes (pursuant to a super-priority interest registered by the taxation authorities), you, as the mortgagee, have the ability to choose to pay the taxes on behalf of the mortgagor. You may also simply choose to allow the property to go into foreclosure and ultimately, judicial sale (conduct of sale) -- no problem. You might also choose to negotiate with the mortgagor in order to transfer the property into your name and offer mortgagor to lease the property back, or agree to sell it. When it comes to mortgage security, you have full control and can make decisions with respect to the asset based upon what suits you.

Benefits of the PEMX® Terminal

* An information and transaction exchange system created by private mortgage investors, for private mortgage investors.

* Cloud based Mortgage Origination & Investment Administration System

* Access to mortgage transactions originated by mortgage brokers throughout the world.

* Zero Defect Policy: Internationally recognized quality management system (ISO 9001:2015) ensures errors and omissions are reduced or eliminated.

* Steady supply of mortgage investment opportunities that are organized in a uniform and coherent manner.

* Invest, divest or exchange private mortgage security instruments with other private mortgage investors throughout the world with EP5, our proprietary private mortgage exchange platform.

* Gain from our underwriting experience: APLUS® a proprietary equity mortgage underwriting and risk assessment system helps you make good investmemt decisions.

* Intuitive, easy-to-read Mortgage Investor Dashboard (track your applicants, current and past borrowers, lawyers, title companies, appraisers, inspectors, unsigned and signed origination and security and registration documents in one central location).

* Our one-of-a-kind approach gives any private mortgage investor/lender the very best in quality organization, systems, performance and results.

Contact: info[at]peminstitute.org to discuss your enrollment.

A fun program to learn about the benefits of private equity mortgage lending! You begin by looking at the Fundamentals of Private Mortgage Lending and end by underwriting active borrower applications.

Sessions: Ongoing, one-to-one individual or private group presentations

Locations:   Las Vegas, Nevada, USA 

          Macau, Special Administrative Region of the People's Republic of China

                   Zurich, Switzerland

                   Other locations customized for your convenience, by request.

Courses of Instruction may lead to certification as an APL. Learn more

Contact: info[at]peminstitute.org to arrange your personalized course of instruction.