Halo Companies, Inc.

Understand the Issues. Create a plan. Obtain the Best People. Manage the Growth.

There are vast numbers of asset manager who purchase and service troubled mortgage loans.  In the group of purchased loans typically there are those can immediately qualify for a loan modification, those who might qualify if their credit were cleaned up and those who might have to walk away from the home and need some debt service relief.

These issues are all addressed under one roof at Halo:  loan modifications, debt settlement service and credit disputes:

Halo Credit Solutions, LLC disputes credit report inaccuracies and errors on behalf of a consumer, over a six-month time frame or less. The consumer exits the program with a guaranteed accurate credit report as verified by the credit reporting agencies.

Halo Debt Solutions, Inc. is an industry leader in debt settlement services, negotiating and settling various types of unsecured debts, saving clients thousands of dollars. Halo Debt revenue has significantly increased over the past year with top line revenues of $2.02M for the three months ended September 30, 2009.

Halo Loan Modification Services, LLC has created an innovative and holistic approach to mortgage default resolution that is unparalleled in the industry. This unique strategy will put borrowers into a systematic and streamlined work-out process establishing affordable, long-term mortgages while achieving an improved return for bankers and investors compared to foreclosure.

The ability to deal with all the potential issues of asset managers who have purchase troubled mortgage loans has opened up growth opportunities of exponential proportions for Halo.

Hedge funds have purchased traunches of mortgage loans which contain the variety of issues described above – but they do not have the expertise to address them.

Halo to the rescue. Halo can step in and manage the entire portfolio of troubled loans in a professional and expeditious manner.

Vast Numbers of Troubled and Potentially Troubled Mortgage Loans Remain

The numbers continue to expand and are not anticpated to contract signficantly in 2010.  Halo has fertile ground for growth.

About 7.5 million households were behind on their mortgages or in the foreclosure process as of early September 2009, according to the Mortgage Bankers Association.

The Federal Home Affordable Modification Program, or HAMP, was designed to reduce monthly loan payments for troubled borrowers.   HAMP so far has resulted in about 900,000 loan modifications, most of which are still in a trial period. The hope was that families could remain in their home.  However, other economic conditions have limited the ability for some families to maintain the reduced HAMP payments on their homes. Borrowers who received HAMP modifications are expected to default again within a year or two.

There are families in homes that they cannot sell.  The S&P/Case-Shiller 20-city home price index is down 29% from its peak in 2006 but has leveled off in recent months as fewer foreclosures have hit the market.

The industry as a whole typically does a poor job of addressing the total debt load of a borrower. Most models used to qualify a borrower for a loan modification use crude estimates of the borrower’s debt load. Buying behavior and future suitability and accountability are not fully developed or tracked. The servicer is solely focused on the overwhelming number of defaults before it, and concentrates only on the loan it services.

Halo Companies addresses the fact that financial difficulties are not singular. Most clients will have several issues which are interrelated.

In historic American fashion and proportion – out of the chaos, in the truest capitalistic fashion – a solution is born in a time of the most devastating recession since the Great Depression.

Halo Companies, Inc.
One Allen Center
Suite 500
700 Central Expressway South
Allen, TX 75013
Phone: 214-644-0065

About Halo Companies, Inc.

Halo Companies, Inc. is a nationwide holding company based in Allen, TX with ten subsidiaries that operate primarily in the consumer financial services industry including debt, mortgage, real estate, credit, loan modification, and insurance. Halo has been recently recognized by Inc. Magazine, Comerica Bank’s Collin 60, and the SMU Cox School of Business Dallas 100. For more information about Halo Companies, Inc., visit www.myhalogroup.com.

Cautionary Language Concerning Forward-Looking Statements:

Information set forth in this profile contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results might differ materially. A discussion of factors that may affect future results is contained in Halo Companies Inc.’s filings with the Securities and Exchange Commission. Halo Companies, Inc. disclaims any obligation to update and revise statements contained in this profile based on new information or otherwise.

Disclosure

Pentony Enterprises LLC is STOCKGURU.COM. 10604 Robincreek Lane; Frisco, Texas 75035. (469) 252-3030. Disclosure: Pentony Enterprises LLC was paid thirteen thousand dollars by the company for profile coverage. Pentony Enterprises is not a registered investment adviser or a broker/dealer. Pentony Enterprises LLC makes no recommendation that the purchase of securities of companies profiled in this web site is suitable or advisable for any person, or that an investment in such securities will be profitable. In general, given the nature of the companies profiled and the lack of an active trading market for their securities, investing in such securities is highly speculative and carries a high degree of risk. We will not be buying or selling shares of Halo Companies, Inc. (OTCBB: GPAX) during the promotional period.