DICHRISTOPHER - HAMILTON

Serving the Counties of Sacramento, Placer and El Dorado

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REO Profile Prepared For:

Chase Bank

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

EXECUTIVE SUMMARY

We are pleased to introduce you to the DiChristopher-Hamilton Group of Lyon Real Estate based in Folsom, California. We are a full service real estate team specialized in the residential sales / marketing of short sales, foreclosures and bank owned properties. Our coverage area includes the Greater Sacramento Area including the cities of: Rancho Cordova Gold River Fair Oaks Citrus Heights Roseville Rocklin Granite Bay Orangevale Folsom El Dorado Hills Our group partners are both licensed Real Estate Professionals with Lyon Real Estate in the State of California. Our professional profile includes: -Over 28 years of combined executive level marketing and sales experience -Successfully negotiated sales contracts which ranged from $500,000 to $10,000,000 -Fearless negotiators that know how to create win-win situations for all parties involved -A highly professional group with a consultative method of doing business -Specializing in traditional home sales (1-4 units), short-sales, bank owned properties and investment properties -Certified Short Sale and Foreclosure Expert -Internet Marketing Experts (the standard for todays marketing) -High emphasis on the importance of maintaining business relationships When working with the DiChristopher-Hamilton Group of Lyon Real Estate you will receive top level service, the local brand recognition of Lyon Real Estate and a proven name in the REO Real Estate Market. Lyon has direct REO relationships in place with many of the most notable financial institutions such as: EMC Fannie Mae First Preston Freddie Mac GMAC Homeq HSBC Mortgage Services IndyMac Litton Loan Nationwide REO Brokers Ocwen PAS/Wells Fargo Red Rock Mortgage REO US Real Estate Services Saxon Mortgage Wachovia Washington Mutual Thank you for considering the DiChristopher-Hamilton Group of Lyon Real Estate. We look forward to working with you and your associated partners on any REO services you may need in the near future. We are here to provide you with top rated service!

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

CONTENTS

REO SERVICES REO BUSINESS WITH LYON ABOUT US TESTIMONIALS THE LYON BRAND ABOUT LYON ATTACHMENTS IRS FORM W-9 BROKER APPLICATION

1 2 3 5 6 7

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

REO SERVICES

REO SERVICES
Our experienced team can provide full service real estate services for national, regional and independent financial institutions which include: Pre-Marketing Single Point of Contact Initial Broker Assignment Occupancy Checks Securing and Re-Keying Services Initial Services Property Preservation Services Property Condition Reports Asset Valuation and Marketing Analysis Broker Price Opinion (BPO) Marketing Strategies Value Added Repair Analysis Marketing Marketing Strategy Reports Implementation of the Marketing Strategy Monthly Marketing Reports Offer Management Offer Presentation and Offer Approval Contract Generation and Review

Closing and Title Services Title Procurement Title Resolution Escrow/Closing Coordination HUD-1 Review and Approval

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

REO BUSINESS WITH LYON

Companies Lyon Real Estate provides REO Services to: Accredited Home Lender Bank of America C-Bass Mortgage California REO Management Chase Citibank Countrywide EMC Fannie Mae First Preston Freddie Mac GMAC Homeq HSBC Mortgage Services IndyMac Litton Loan Nationwide REO Brokers Ocwen PAS/Wells Fargo Red Rock Mortgage REO US Real Estate Services Saxon Mortgage Wachovia Washington Mutual

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

ABOUT US

MICHELLE DICHRISTOPHER
Partner Lyon Real Estate Direct (916) 879-2921 Fax (916) 294-8513 Mdichristopher@GoLyon.com DRE # 01729726

With over 11 years of real estate experience, Michelle DiChristophor has established herself as one of Folsoms most respected realtors. She has successfully closed real estate transactions with a multitude of sellers and buyers up to $4.5 million dollars. She has consistently ranked within the top 10% of producing agents within Lyon Real Estate and holds a Master Club title from the Sacramento Association of Realtors. Michelle has built her business on simple but practical business concepts that includes treating her clients like family and working with them tirelessly to ensure the best possible outcome during the real estate transaction. Her can-do attitude has lead to many long standing relationships and a solid referral base from previous satisfied clients. Many of her clients have summed up her reputation by using the following termsfair, honest, hard working and extremely responsive. As a high volume producing agent, Michelle has extensive experience working with distressed property including short sales and REO s with small and large scale lenders. She has successfully negotiated settlement agreements on challenging files with single and multiple leinholders involved. She is an expert in the use of Equator and other data management systems associated with short sales. On a public level Michelle is extremely active in the Folsom community including the Folsom Chamber of Commerce, Folsom MLS and local schools. A resident of the Sacramento Area for over 40 years she enjoys spending time with her family , friends and neighborhood groups. She has proven herself to be a valuable asset to the business community along with being a trustworthy and committed family person. If your looking to have your real estate needs exceeded above the competition then Michelle DiChristopher is your realtor of choice.

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

ABOUT US

JIM HAMILTON, SFR

Partner Lyon Real Estate Direct 916.601.0500 Fax 916.294.8565 jhamilton@GoLyon.com DRE # 01871309 With over 19 years of executive level marketing and sales experience, Jim Hamilton is one of the Sacramento Valleys most widely respected marketing professionals within the residential land development and construction industries. While working as a manager of business development for the last decade for two of Californias most prestigious construction companies many long term business relationships were formed. He had direct affiliation with clients of various decision making capacities including vice presidents, project executives, chief estimators and land development managers. In addition to managing relationships within these large corporate settings he was instrumental in the negotiation and procurement of construction contracts which ranged from $500,000 to $10,000,000. Jim is a seasoned marketing professional and fearless negotiator that knows how to create win-win situations for all parties involved. He knows the importance of maintaining business relationships and how to keep them long term during the ever changing economic climate associated with real estate. Other notable accomplishments include the development of a formal marketing plan for a start-up land development venture. During this tenure he assisted in the negotiation of contracts in excess of $1,000,000 with property owners and real estate agents through the presentation of the companies land portfolio. A graduate of San Jose State University with a major in business finance, Jim has also been an active member in the business community while holding a chairmans title with the Sacramento for Marketing Professional Services. He has also been an active member with organizations including SACTO, the Sacramento Builders Exchange and the Building Industry Association. He resides in Folsom with his family and enjoys the outdoors including fishing, hunting and camping. Jims guiding principles of professionalism includes one of HONESTY, RESPECT and RESULTS for his clients. On your next venture whether a buyer, seller or investor you can trust Jim Hamilton for all your real estate needs.

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

TESTIMONIALS

Michelle is a true professionalcustomer oriented, focused and works hard to accommodate her clients. She is the best of the best" Clayton and Susan Gadd- El Dorado Hills We referred to Michelle through Lyons onsite referral program. I would highly recommend Michelle she is a great agent." Mason and Jill Marie Kelly Michelle is very professional. Knows the market like the back of her hand Michael and Deborah Baad

"I have worked with Jim for several years and find him to be very professional, enthusiastic and diligent with his work responsibilities. He was also very respectful of the needs of our customers and clients. I highly recommend Jim." Dave Bast, Sacramento "I have enjoyed both personal and professional relationships with Jim Hamilton for almost 10 years. Jim always develops the trust of his clients with his honesty and passion to meet their needs. He would be a valuable asset to any project team." Darryl Hansen, Sacramento

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

THE LYON BRAND

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309

THE LYON STORY

We are a family owned business which has specialized in and grown with the many distinguished communities in the area. For many years we have enjoyed powerful recognition built upon our trademark of personalized service to the many families moving in and out of the area. Because we have grown with our communities, our real estate professionals have intimate knowledge of each communitys character, mood, and growth potential. Due to the fact that the majority of our associates live in the communities we serve, they can readily meet the unique challenges and problems families encounter in selecting their new homes. Drawing on their extensive knowledge of schools, recreational facilities, shopping requirements and transportation our associates are able to better satisfy the family housing needs of their clients. For the investor, our commercial department is able to provide our valued clients with income and commercial property opportunities. We are a company of people and it is because of these dedicated people you can feel confident that all of your real estate needs will be handled in a most trustworthy, professional and efficient manner. One indication of our professionalism is this computer generated Comparative Market Analysis which compiles complete and accurate information to assist you in the decision making process regarding the pricing and marketing of your most valuable asset - your home.

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916-879-2921 916-601-0500 FOLSOMREOGROUP.COM
DRE # 01729726,01871309