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American Homeowner Preservation : ウィキペディア英語版 | American Homeowner Preservation
American Homeowner Preservation (also known as AHP) is an online real estate crowdfunding platform that purchases pools of nonperforming loans from banks and other lenders and then offers borrowers who want to stay in their homes debt restructuring options with reduced payments and discounted principal balances. If homes are vacant or families want to move, AHP offers deficiency waivers and incentive payments to cooperate with short sales in order to put the homes back into service. Founded in 2008 as a 501c nonprofit in Cincinnati, Ohio, AHP pioneered the short sale leaseback as a foreclosure prevention operation to assist struggling homeowners. Faced with resistance from many banks which insisted that families vacate their homes in order to have their short sales approved, AHP changed their strategy in early 2011. Now a for-profit headquartered in Chicago, AHP purchases pools of nonperforming mortgages from banks and other lenders and then offers borrowers solutions to stay in their homes. In October 2013, became an online real estate crowdfunding platform offering investment opportunities which provide 9-12% annual returns for accredited investors. ==Funding of American Homeowner Preservation==
Originally modeled to be financed with tax-exempt municipal bonds, American Homeowner Preservation’s efforts are now primarily supported by accredited investors, both high-net-worth individuals and institutional investors. In October 2013 AHP transitioned to an equity crowdfunding model after Title II of the JOBS Act lifted a ban preventing private startups and small businesses from publicly soliciting funding. AHP uses investor funds to purchase pools of nonperforming mortgages at significant discounts from banks and other lenders. For instance, if a borrowers owes $100,000 on a home now worth $50,000, AHP may purchase the mortgage for $30,000. This discount is what enables AHP to then offer borrowers substantial principal and payment reductions, while generating 9-12% returns to AHP investors. Since inception, AHP has assisted hundreds of families, reducing payments by an average of over 40% and cutting principal balances by an average of more than 50%.
抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)』 ■ウィキペディアで「American Homeowner Preservation」の詳細全文を読む
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