Should the Government Invest in Real Estate Mortgage Debt? Glacier Concept's Leverage Personal Edition Software Makes the Decision Easier

Business Wire, Sept 25, 2008

PORTSMOUTH, N.H. -- Congress and the House are meeting to determine its role to aid financial institutions in the current credit crisis. The decision makers in Washington DC must find out the mortgage debt's worth. Leverage Personal Edition free trial software by Glacier Concept enables the user to go through financing scenarios to determine the value, return, and profitability of the real estate investments and mortgage debts. Anyone voting to make US Treasury capital decisions must first understand how to optimize capital, cash flow, and return rates. The technology enables users to negotiate with the lender and to conclude if the property is worth the mortgage debt. The forecasting software uses 3-D graphs and charts to make the investment as easy as a video game. "The decision makers analyze the financial risk of the debt. Next, the decision maker determines whether and when they can become profitable by investing in the mortgage, based on what the borrower can afford to pay", says Glacier Concept founder Larry McKay. Glacier Concept's founders are alumni from M.I.T. (Massachusetts Institute of Technology) and Brown University.

Individual homeowners that use Leverage Personal Edition may increase the available cash in the household, help prevent bank loan foreclosure, and save thousands of dollars by negotiating a better deal in loan costs, fees, and interest. "We took the real estate investment experience of smart investors similar to Donald Bren and Donald Trump and put it to software", says Larry McKay, the inventor. The technology can help Nevada, California, Georgia, Florida, Colorado, Ohio, and Michigan residents on foreclosure threshold.

Free Trial Download available on GlacierConcept.com

http://www.glacierconcept.com/download/leverage1yeardot.exe

Using scenarios, homeowners can compare whether financing with JPMorgan Chase, Wells Fargo, Bank of America, Fannie Mae, Freddie Mac, or Countrywide Financial will save the homeowner the most money. Loan to Value, Debt Service, property types, lease expiration, property age, location, loan maturity, the number of loans, loan size, loan terms, and credit rating are measures voters, Congress and the Representatives should become familiar with when negotiating whether to use mortgage backed securities as a bail out resolution. Leverage for Real Estate Investment Software is free and can put the Treasury in the right direction to make the correct decision on which debt to purchase, at what price, while managing the tax payer capital.

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