EXPT - Eine wahre Perle - Die nächste Rakete
Leute, macht eure DD und positioniert euch schon mal

Hierbei handelt sich umdie EXPT - Die Expert Financial Group . Eine Wahre Perle, lkeider noch unentdeckt, die aber demnächst entdeckt.

Sehr gurte Zahlen. Bei den nächsten Quartalzahlen macht es spätestens auch Hier KAABOOOOOOMM

25 -100 Bagger minimum,

Expert Group, Inc. Poised for Expansion With the Hiring of Veteran Loan Originators
Tuesday September 2, 8:30 am ET
New Hires Have Produced More Than $18 Million in Loans MIAMI, FL--(MARKET WIRE)--

Sep 2, 2008 -- Expert Group, Inc. (Other OTC:EXPT.PK - News) is pleased to announce that the Company has added three veteran loan originators to its growing staff in the Miami region. The new members solidify its current staff as it extends its outreach with the goal of employing 200 full-time loan originators. Expert Group is in the process of expanding and will be opening more locations in South Florida in the near future. ADVERTISEMENT Expert Group welcomes Mutari Madden, who brings five years of experience as a mortgage team leader with more than $10 million in production. Antonio Saavedra brings years of experience as a loan originator in South Florida with more than $8 million in loans. Dave Smith comes to Expert with a background as a financial advisor with more than a decade of experience. Each is expected to assist the Company in its efforts to become the foremost source for lending and credit repair in the greater Miami area. About Expert Group, Inc.: Expert Group, Inc. is a diversified financial service company, which markets a variety of financial products and services through Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. Expert is licensed by the Department of Financial Regulations and a member of FAMB, and since inception, has originated over $100 million in real estate loans. About Expert Financing: Expert financing offers up-to-date loan programs tailored to all borrowers' needs. It specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans of all sizes, including commercial, foreign national and construction loans. The company also offers loans for purchases, refinances and line of credit for home equity and commercial property. Expert Loan Officers find the best loan for customers' needs, and includes professional loan experts that speak Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole. About Expert Credit Fix U.S.A.: Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration tailored to service borrowers with minor credit issues like excess inquiries to more challenging credit issues such as bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers restore their credit to a level where lenders will grant them credit and at a low interest rate. Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (I) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors. Contact: Contact: Expert Group, Inc. http://www.expertfinancing.net/ http://www.expertcreditfixusa.com/ Or call: Investor Relations 1-866-THE-APPL(E)


Expert Group, Inc. Opens September With Over $8 Million in Loan Originations
Thursday September 4, 8:30 am ET MIAMI, FL--(MARKET WIRE)--Sep 4, 2008 --

Expert Group, Inc. (Other OTC:EXPT.PK - News) is pleased to announce that the Company opens September with over $8 million in loan originations. Expert Group has been experiencing a growth in mortgage applications mainly with FHA and Commercial loans. Loan Originations have increased mainly for commercial property loans, which so far represent $4.3 million or 53% of the total loan originations for the month of September. ADVERTISEMENT Expert Group, Inc. has also experienced an increasing trend in loan originations for purchases of new homes, which represents about 30% of the total loan originations. The Company is gaining a lot of interest from clients who are looking to refinance where they can take advantage of better rates for their existing loans and consolidate first and second loans. "By starting September with over $8 Million in loan originations, Expert Group is poised for growth through the rest of the year. The increase in potential revenues for the rest of the year is due to the fact that we have strengthened our staff by the hiring of industry experts, who have produced more than $18 Million combined in loans," stated Robert Rico, CEO of Expert Group, Inc. About Expert Group, Inc. Expert Group, Inc. is a diversified financial service company, which markets a variety of financial products and services through Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. Expert is licensed by the Department of Financial Regulations and a member of FAMB, and since inception, has originated over 100 million in real estate loans. About Expert Financing: Expert financing offers up-to-date loan programs tailored to all borrowers' needs. It specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans of all sizes, including commercial, foreign national and construction loans. The company also offers loans for purchases, refinances and line of credit for home equity and commercial property. Expert Loan Officers find the best loan for customers' needs, and includes professional loan experts that speak Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole. About Expert Credit Fix U.S.A.: Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration tailored to service borrowers with minor credit issues like excess inquiries to more challenging credit issues such as bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers restore their credit to a level where lenders will grant them credit and at a low interest rate. Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (i) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors. Contact: Contact: Expert Group, Inc. http://www.expertfinancing.net/ http://www.expertcreditfixusa.com/ Or call: Investor Relations 1-866-THE-APPL(E)


Expert Group, Inc. Announces Marketing Initiatives to Place Company in Position for Accelerated Growth
Monday September 8, 8:30 am ET MIAMI, FL--(MARKET WIRE)--


Sep 8, 2008 -- Expert Group, Inc. (Other OTC:EXPT.PK - News) is pleased to announce that the Company is initiating a series of marketing campaigns that will position it for accelerated growth in the remainder of 2008. The Company has retained the services of C1F Marketing, the 3rd largest automated voice broadcasting company in the nation with more then 10 years experience and making over 20 million calls per day, to provide live leads for its loan officers. ADVERTISEMENT Additionally, the Company has started other marketing initiatives such as the filming of a commercial as well as improving their Web site. The Web site and commercial will enable Expert Group to market their products and services to a broader customer base. The Company expects the commercial to start airing in the beginning of November. "These marketing initiatives are part of our overall commitment to position the Company for growth over the next 12 months. I am very optimistic that the results will bring increased value to Expert Group and our shareholders," stated Robert Rico, CEO of Expert Group, Inc. About Expert Group, Inc. Expert Group, Inc. is a diversified financial service company, which markets a variety of financial products and services through Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. Expert is licensed by the Department of Financial Regulations and a member of FAMB, and since inception, has originated over 100 million in real estate loans. About Expert Financing: Expert financing offers up-to-date loan programs tailored to all borrowers' needs. It specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans of all sizes, including commercial, foreign national and construction loans. The company also offers loans for purchases, refinances and line of credit for home equity and commercial property. Expert Loan Officers find the best loan for customers' needs, and includes professional loan experts that speak Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole. About Expert Credit Fix U.S.A.: Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration tailored to service borrowers with minor credit issues like excess inquiries to more challenging credit issues such as bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers restore their credit to a level where lenders will grant them credit and at a low interest rate. Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (I) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors. Contact: Contact: Expert Group, Inc. http://www.expertfinancing.net/ http://www.expertcreditfixusa.com/ or call: Investor Relations 1-866-THE-APPL (E) -------------------------------------------------------------------------------- Source:



Expert Group Expert Group Welcomes U.S. Government Bail-Out of Fannie Mae and Freddie Mac
Wednesday September 10, 8:30 am ET Company Expects Increase in Revenues Due to Mortgage Industry Stability MIAMI, FL--(MARKET WIRE)--

Sep 10, 2008 -- Expert Group, Inc. (Other OTC:EXPT.PK - News) announces that the Company envisions a positive impact on revenues as a result of the U.S. Treasury's financial bail-out of mortgage giants Fannie Mae and Freddie Mac. The Treasury's cash injection is expected to be between 15 and 20 billion dollars, and is intended to put downward pressure on mortgage rates. Subsequently, mortgages should be more affordable, thereby creating more sales opportunities for Expert Group's subsidiaries. ADVERTISEMENT Fannie Mae and Freddie Mac account for nearly half of the $5 trillion in outstanding mortgages in the United States. Treasury Secretary Henry Paulson announced that the government's three primary motivations for the bail-out are to initiate market stability, mortgage availability and taxpayer protection. Since the government will buy mortgage-backed securities, it is expected that the uncertainty of the lending industry will decrease, increasing securities prices as a result of government support. "This is huge news for the industry. It is reassuring that the government wants mortgages to remain available for potential homeowners and that's great news for us. We are in the midst of stepping up the marketing of our services and we expect the combination of these events to result in increased revenue," stated Robert Rico, CEO of Expert Group, Inc. About Expert Group, Inc.: Expert Group, Inc. is a diversified financial service company, which markets a variety of financial products and services through Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. Expert is licensed by the Department of Financial Regulations and a member of FAMB, and since inception, has originated over $100 million in real estate loans. About Expert Financing: Expert financing offers up-to-date loan programs tailored to all borrowers' needs. It specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans of all sizes, no income verification loans, commercial loans, foreign national loans and construction loans. The company also offers loans for purchases, refinances, home equity line of credit and line of credit for commercial property. An Expert Loan Officer can help you find the best Loan for your needs, and our professional loan experts speak your language, including, Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole. About Expert Credit Fix U.S.A.: Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration tailored to service borrowers with minor credit issues like excess inquiries to more challenging credit issues such as bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers restore their credit to a level where lenders will grant them credit and at a low interest rate. Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (i) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors. Contact: Contact: Expert Group, Inc. http://www.expertfinancing.net/ http://www.expertcreditfixusa.com/ Or call: Investor Relations 1-866-THE-APPL(E) -------------------------------------------------------------------------------- Source: Expert Group

Schaut mal her was Ich bei Onviste gefunden und überzeugt euch selbst.
Scheint wohl hier emnäcghst Up zu gehen.
von 0,0003 auf 0,35 US$ entsprechen meiner Meinung nach 116.000,00 % Prozent.
Füers erste sollte dieses reichen

Ich gratuliere Mir und natürlich dem TheRun Gomesz und allen in Investierten die in EXPT onvestiert sind und es noch werde.JA. Die EXPT ist die nächste Rajkete
Expert Group Inc. (OTC:EXPT) has been rated Speculative Buy with a price target of $.35 by Beacon Equity Research Analyst, Victor Sula, PhD.

http://ad.de.doubleclick.net/click;h=v8/3739/0/0/%2a/i;44306;0-0;0;8947017;4307-300/2 50;0/0/0;;~sscs=%3f
The full report is available at http://www.BeaconEquityResearch.com.
Anyone interested in receiving alerts regarding Expert Group Inc. research should email members@beaconequityresearch.com with "EXPT" in the subject line.
In the report, the analyst writes, "Expert Group Inc. (EXPT) is a diversified financial services company, which markets a variety of financial products and services through Expert financing, Expert Group Title Services, Expert Credit Fix U.S.A. Expert is a mortgage brokerage company that provides loan origination, loan refinancing, and title and escrow services to real estate professionals, builders and individual homebuyers. In addition, EXPT helps homebuyers consolidate their debt and lower their monthly payments, even assisting those with less than perfect credit or bad credit. The Company's mortgage professionals negotiate the most competitive terms in the industry."
Other companies in the mortgage sector include Countrywide Financial Corp. (NYSE:CFC), Freddie Mac (NYSE:FRE), Bank of America (NYSE:BAC), and Capital One (NYSE:COF)
Beacon Equity Research Disclosure
The analysts contributing to this report do not hold any shares of Expert Group Inc. (EXPT) Additionally the analysts contributing to this report certify that the views expressed herein accurately reflect the analysts' personal views as to the subject securities and issuers. The analyst(s) writing this report recognize and aspire to all of the CFA Institute Guidelines for Independent Research. Beacon Equity Research ("Beacon") certifies that no part of the analysts' compensation was, is, or will be, directly or indirectly, related to the specific recommendation or views expressed by the analysts in the report. Beacon Equity Research and its affiliates have been directly compensated one million shares from a non-controlling third party (Star Consulting) for enrollment of EXPT in its research program. This report is based on data obtained from sources we believe to be reliable, but is not guaranteed as to accuracy and does not purport to be complete. As such, the report should not be construed as advice designed to meet the particular investment needs of any investor. Any opinions expressed herein are subject to change.
Beacon Equity Research
Jeff Bishop, 469-361-6239
editor@beaconequityresearch.com
www.BeaconEquityResearch.com
or
Expert Group Inc.
Shirley Rico, 305-949-5626

0,0003 US$ bis 0.35 iUS Dollar ist das 1166 Fache, sprich eine Performance von über 116.000,00,oder irre Ich mich, Wenn Ja, dann korrigert

Hier noch einiges Wissenswertes über die Company:
Company Background Expert Group Inc. (OTC PK: EXPT) , is a mortgage brokerage company that provides loan origination, loan refinancing, and title and escrow services to real estate professionals, builders and individual homebuyers. In addition, EXPT helps homebuyers consolidate their debt and lower their monthly payments, even assisting those with less than perfect credit or bad credit. The Company's mortgage professionals negotiate the most competitive terms in the industry. Customers also benefit from their deep industry expertise and consulting, administrative, analytical and processing skills.
EXPT focuses on mortgage brokerage markets in Miami-Dade, Broward County and other parts of Florida. As a result, the Company is benefiting from population growth and a boom in residential construction in its core Florida markets.
The Company's target customers are first-time homebuyers and existing homeowners who are re-financing. The value customers place on the Company's high-touch services is evidenced by a high rate of repeat business; approximately 70% of EXPT's business comes from repeat clients and their referrals.
Highlights A business model to serve the Florida mortgage market
The Company provides mortgage brokerage services to real estate professionals, builders and individual homebuyers. EXPT operates in Florida; this state has a population of 18.1 million and is experiencing population growth of 1.9% per year. The Company focuses on underserved housing markets of Miami-Dade and Broward County, where home ownership rates are 58% and 69.5%, respectively.
EXPT has access to a full range of mortgage sources and is well-equipped to find the right loan with the best rates, terms and costs to meet the clients' unique needs.
Expanded product offering leverages mortgage brokerage expertise
EXPT expanded its product offerings in 2007 by adding complementary services to enhance its position as a mortgage broker:
As a mortgage broker , EXPT works with lenders specializing in various market niches others avoid such as loans for applicants with poor credit ratings, loans for borrowers who do not intend to occupy the property and loans with minimal or no down payment.
The pre-paid credit card offered by EXPT addresses cardholders whose circumstances have recently changed, have little or no credit history, have past credit problems, or have below average income.
The Company's credit repair services facilitate accurate credit reporting and restoration of the client's credit worthiness. The Company identifies problem items in the client's credit report and then makes efforts to clear the disparaging information from the report.
In addition, the Company plans to lend its own money to well qualified borrowers to derive additional benefits from its brokerage position.
Focus on clients with low credit rating
EXPT has established stringent internal controls to match mortgage buyers to the appropriate lending program. The Company addresses the needs of clients with poor credit ratings and limited access to mortgages. It helps break through the barriers that impede homeownership so each client can realize the American Dream of owning their home.
Specialist in growing Hispanic market
The mortgage industry doesn't address the unique needs of Hispanic borrowers, thus restricting credit and homeownership opportunities. Hispanics comprise approximately 16% of the US population and are forecast to increase to 18% of the US population by 2020. In addition, Hispanic purchasing power as a percentage of total US purchasing power has increased from 5% in 1990 to 8% in 2004 and is forecast to rise to 9% by 2009.
Despite their increasing purchasing power and dramatic population growth, Hispanics remain significantly underserved as potential homeowners in the US. Hispanic homeownership rates remain significantly below the US average.
Optimistic management outlook
In 2007, the Company expects to report revenues of $0.5 million and to achieve breakeven. The rollout of pre-paid credit cards and credit repair and lending services in 2008 will likely fuel growth in revenues to $1.5 million. Management plans to add at least $1 million per year to revenues over the next five years and achieve 2012 revenues of $5.5 million.
Relationships with leading financial institutions
EXPT's President Shirley Rico, a licensed mortgage broker, is leveraging her established relationships with leading financial institutions such as FannieMae, FredieMac, Washington Mutual Bank, Bank United, Chase, Wells Fargo, Country Wide, CitiMortgae, ABN Amro, National City, IndyMac Bank, World Savings and Banco Popular to expand EXPT's lending sources.
Market opportunity
During the first half of this decade, existing home sales rose to their highest levels in history in the US. However, the growth track reversed in 2006. The National Association of Realtors and CIMBL forecasts existing home sales and housing starts are likely to decrease in 2007 and 2008.
Despite softening housing demand and sub-prime mortgage woes, the US mortgage industry remains on track. Mortgage lenders have introduced innovative new products designed to facilitate borrowing and lower monthly payments. These initiatives are likely to lay the groundwork for a rapid recovery. The National Association of Realtors believes the housing market will continue to benefit from positive long-term demographic trends such as population growth and increasing home ownership rates, and economic fundamentals including rising GDP and historically moderate interest rates.
Many experts think the market is poised for a recovery in the second half of 2008.
Company Overview Business model
The Company serves the lending needs of real estate professionals, builders and individual home buyers. It has access to a full range of mortgage sources and can assist the client in finding the right loan with the best rates, terms and costs.
EXPT finds the program best suited to meet the customer's needs and guides the loan application through the entire process, monitoring the component transactions for possible breakdowns. The Company accomplishes this by wading through mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.
EXPT deals with A through D credits, offering among other options No Income, No Assets Verification Loans, 103% Financing and No Employment Verification Loans. The Company offers multiple alternatives for borrowers who may have already been rejected by conventional mortgage lenders.
The Company works with local, regional and national lenders using the full range of mortgage products available on the market. EXPT has developed strong relationships with FannieMae, FredieMac, Washington Mutual Bank, Bank United, Chase, Wells Fargo, Countrywide, CitiMortgae, ABN Amro, National City, IndyMac Bank, World Savings and Banco Popular.
The Company is diversifying its product offerings with the goals of enhancing its revenue base and reducing risks associated with the cyclical nature of the industry. Diversification will be accomplished by offering credit repair services, pre-paid credit cards and lending the Company's own funds to qualified borrowers at attractive interest rates.
Many foreigners are investing in US properties and EXPT specializes in Foreign National Programs. The Company is particularly focused on the fast-growing Hispanic population which traditionally has been underserved by the mortgage industry. This market inefficiency is evidenced by the significant homeownership gap between Hispanics and non-Hispanics.
Products and Services
Mortgage brokering
As a mortgage broker EXPT counsels clients on the loans available from different lenders, takes their application, and processes the loan. Most direct lenders offer only a few loan programs. This often excludes some borrowers. EXPT sources loans from dozens of lenders and works with specialists in niche segments other lenders avoid such as loans to applicants with poor credit ratings, loans to borrowers who do not intend to occupy the property and loans with minimal or no down payment.
The Company's mortgage origination process can be divided into three steps:
Initial Discussion. EXPT starts with a pre-qualification process. This is not an approval, but rather a preliminary review of the client's situation at which time the Company evaluates available mortgage options. This first conversation, either by phone or in-person, is the most important. The Loan Expert reviews the client's income, employment history, savings, and credit history.
The Application. In this second step, EXPT and the customer make it official. Loan Experts work to complete the paperwork process. The Company secures credit reports and appraisals, collects supporting documentation on assets and income, solves any anticipated or unexpected issues that may arise, and prepares a full loan package for final review by a lender. All this is done in person, by phone, via fax and/or via the Internet.
The Closing. The day arrives when the lender issues the client's commitment. It's the final step to closing. EXPT works to clear the client's file for closing, coordinate title work and insurance coverage, and schedule the closing date. Depending on industry volume, the entire process typically runs from 30 to 60 days.
Pre-paid Credit Cards
The pre-paid Credit card offered by EXPT addresses the needs of cardholders whose circumstances have recently changed, have little or no credit history, have past credit problems or have below average income. Money is deposited into the account and the customer is able to use the pre-paid card like a regular credit card. The upside of pre-paid cards is that their use can help repair someone's credit. The "Expert Card" issued by EXPT is available in two tiers. Tier 1, the gold card, establishes pre-paid credit from $500 to $1,000. Tier 2, the green card, starts at $250 and goes up to $400.
Credit Repair
Some statistics indicate that as many as 79% of all credit reports1 (that's about 160 million reports from any one credit bureau) contain errors. And on top of this, 25% contain severe errors that greatly damaged credit worthiness. The Company plans to provide credit repair services to its own customers, taking advantage of the Fair Credit Reporting Act (FCRA) which gives consumers the right to accurate credit reporting. Upon receipt of client credit reports, EXPT conduct a detailed examination, identifying everything that is not in compliance and notifying the relevant parties for purposes of clearing derogatory information from the reports. Fixing credit reports can save the customer thousands of dollars.
Lending
EXPT has the opportunity to originate and fund its own loans.
Target Markets
The Company's main target market is Florida, which has a population of 18.1 million and is adding 962 new residents each day. EXPT focuses particularly on the Miami-Dade and Broward County housing markets, where home ownership rate average 58% and 69.5%, respectively, and where a significant underserved market exist. Miami-Dade County is considered to be the financial capital of Latin America and the Caribbean, with a great opportunity for mortgage companies to serve the Hispanic market.
EXPT mainly serves three groups:
First-time homeowners: Owning a home is a dream that is out of reach for many low-income families. Most of the new construction in the Miami-Dade and Broward County is directed toward first-time homeowners.
Residential refinancing: One of the most common reasons for refinancing is to take advantage of lower interest rates and reduce monthly mortgage costs. EXPT provides the customer with lower-rate mortgage; customers can convert from an adjustable rate mortgage to a fixed one or consolidate a first and second mortgage into one lower rate mortgage. EXPT also helps the client obtain cash needed for debt consolidation, home repairs, construction and remodeling.
Commercial financing: The Company specializes in finding the best programs for commercial mortgages for Multi-Family Apartment Buildings, Cooperatives, Shopping Centers, Mixed-use Retail , Office, Retail, Industrial, Hospitality, Specialty and Net-Leased properties.
Consumer with bad credit: EXPT assists consumers with poor credit rating in obtaining a first or second mortgage. These customers can utilize the Company's credit repair service as well as obtain a pre-paid credit card to begin re-building their credit.
Corporate strategy
The Company employs a multi-channel mortgage origination strategy with the goal of diversifying its product offerings and expanding its presence to other markets across the US. EXPT's marketing plan focuses on penetrating the Hispanic market through television and radio ads, mailings, the Internet, billboards and other channels.
EXPT incorporates various outreach efforts into its marketing strategy, including:
Real estate professionals in company's area; Call transfer leads; Website; Mailers; Newspaper ads; Real estate magazine ads; Radio ads; Local seminars. 1 www.thecreditcode.com
Industry Outlook The real estate industry relies primarily on brokers and agents who facilitate sales and leasing transactions for a commission. This brokerage system is highly fragmented and, according to CB Richard Ellis, the top five commercial real estate brokerage firms account for less than 15% of industry revenue. Meanwhile, REAL Trends estimated that the 10 largest brokerage firms accounted for approximately 10% of all brokered residential real estate transaction volume in 2004, and the single largest firm accounted for less than 5% of total transaction volume.
According to the Association of Real Estate License Law Officials, there are over 2.6 million licensed real estate professionals in the United States, including commercial and residential real estate agents. In addition to the brokerage community, industry participants include tenants, owners, property investors and business operators, all of which are actively involved in real estate transactions.
According to a 2004 study by Wholesale Access Mortgage Research & Consulting, Inc., there are approximately 53,000 mortgage brokerage companies in the US. Mortgage brokers participate in more than 68% of home loans originations. The remaining 32% is done through the lender's retail channel. Ten federal laws, five federal enforcement agencies and over 49 state laws or licensing boards regulate the mortgage broker industry2.
The profitability of individual companies depends on volume, interest rate spreads, and success in underwriting. Large companies benefit from economies of scale in operations. Small companies compete successfully by funneling mortgages to the large companies. The industry is fragmented at the bottom but highly concentrated at the top: the largest 50 companies hold more than 70% of the market.
US Housing Sector
Housing sales and prices in 2007 were much weaker than in 2006. The US housing industry in 2007 is in the deepest decline in 16 years: as many as 1.5 million Americans may lose their homes due to foreclosures, another 100,000 people in housing-related industries could be fired, and an estimated 100 additional sub prime mortgage companies may go under, according to realtors, economists, analysts and a Federal Reserve governor3.
Exhibit 1: Federal Home Loan Mortgage Corporation's Weekly Primary Mortgage Market Survey, Monthly Average Values.

Source: http://mortgage-x.com
Housing starts and sales of new and existing homes fell sharply in August. New home sales reached the lowest point in over seven years, while existing home sales were at a five-year low. During the first eight months of 2007, new home sales fell 21.4% compared to the same period in 2006. Year-to-date sales of existing single-family homes were down 9.6% over the same period4.
Exhibit 2: US Housing Indicators

Source: www.mbaa.org/files/Bulletin/InternalResource/56942_.pdf
Major home builders continued to report high or rising cancellation rates for buyers who have signed a contract but later back out for some reason. For example, Lennar Corp. -- the largest US home builder -- reported that its cancellation rate was 32% in the third quarter, up from 29% in the second quarter.
The median price for new homes dropped 7.5% in August from a year ago. The median price for single-family existing homes was flat from a year ago. Prices for existing homes are expected to rise about 2.4% in 2009 as compared to 2007. Median new home prices should rise 0.8% to $242,700 in 2009, as compared to 2007.
The Mortgage Bankers Association (MBA) projects the following trends in the US housing market5:
The housing slowdown will continue into late 2007. Total existing home sales for 2007 will decline by about 12% from 2006 to 5.72 million units. Sales will decline further by about 10% in 2008 before picking up 5% in 2009. New home sales will decline about 22% in 2007 and 10% in 2008. For 2009, new home sales will likely rise about 6%. Home prices for new and existing homes are expected to decline this year, with median nominal prices falling about 2%. This will be the first full year nominal home price decline since World War II. Prices should decline at a similar rate in 2008 before flattening out in 2009. Residential mortgage originations will decline 8 % in 2007 to $1.34 trillion. Refinancings will decline about 15% to $1.13 trillion from $1.33 trillion in 2006. However, interest rate cuts may help restore liquidity to financial markets, which will help support refinancing activity in the prime market in upcoming quarters. MBA expects the recovery of homebuilding activity to occur in the third quarter of 2008. The 50-basis point prime rate cut this year helped reduce the spread between the yield on conventional jumbo mortgage rates and conforming conventional mortgage rate, but the spread remains above historical averages.
Mortgage market
Mortgages outstanding on US residential and commercial properties totaled about $13 trillion at year-end 20066. Mortgage production this year will likely be down nearly 15% to $2.31 trillion from $2.73 trillion in 2006. Total originations are projected to decline another 18 % in 2008 as both purchases and refinance originations drop.
A weak housing market, combined with rising rates on mortgages, leads to a high level of defaults and foreclosures. Mortgage lenders have recently begun offering new products designed to make borrowing easier and reduce monthly payment requirements. These products range from zero-down mortgages to 40-year, fixed-rate loans and "option" loans that allow the borrower to defer a large part of each month's payment.
Over the past several years there has been a decline in average commissions charged due to the transition to online brokerage and greater information available to buyers. According to REAL Trends, while the average commission percentage decreased from 5.44% in 2000 to 5.02% in 2005, total commission revenues increased from $42.6 billion to $65.5 billion during that same period, influenced by steadily increasing sales volumes and higher median sales prices.
Despite near-term moderation in existing home sales and home prices, the National Association of Realtors believes the housing market will continue to benefit from positive long-term demographic trends such as population growth and increasing home ownership rates, and economic fundamentals, including rising GDP and historically moderate interest rates. According to Global Insight, GDP is expected to grow over the next five years. Although higher mortgage rates could impact the number of homes sold in any period, according to Global Insight, the average 30-year fixed mortgage rate is projected to range between 6.8% and 7.3% through 2015, compared to an average annual 30-year mortgage rate of 9.4% since 1972.
The Hispanic Market
Hispanics currently comprise approximately 16% of the US population and number approximately 44 million. According to US Census Bureau estimates, the Hispanic population will increase to 18% of the US population and number 60 million by 2020 and represent 24% of the US population by 2050.
The Selig Center for Economic Growth estimates Hispanic buying power at $863.1 billion in 2007, up 8.1% from 2006. According to the Selig Center, Hispanic buying power will increase 8% annually between 2004 and 2009. Hispanic purchasing power as a percentage of total US purchasing power has increased from 5% in 1990 to 8% in 2004 and is forecast to rise to 9% by 2009.
Exhibit 3: Hispanic buying power by state (In $ billions)

Source: Selig Center for Economic Growth, 3Q 04f
Despite increasing purchasing power and the dramatic growth achieved by Hispanics across all major economic and educational metrics, the special needs of this population have been largely ignored by the mortgage industry. Hispanics remain significantly underserved as potential homeowners, with home ownership rates significantly below the average of the general population and below non-Hispanics.
Exhibit 4: US Homeownership (1980-2004)

Source: www.hnma.com/hispanic-homeownership-gap.html
2 http://en.wikipedia.org/wiki/Mortgage_broker#Mortgage_brokerage_in_the_USA
3 www.detnews.com/apps/pbcs.dll/article?AID=/20070313/BIZ03/703130348/1001/BIZ
4 www.mbaa.org/NewsandMedia/PressCenter/57619.htm
5 www.mbaa.org/NewsandMedia/PressCenter/54423.htm
6 www.plunkettresearch.com/Industries/BankingMortgagesCredit/BankingMortgagesCreditTrends/t abid/234/Default.aspx
Valuation Analysis Revenue estimate
Catalyzed by increasing penetration of the Hispanic market and the rollout of new products, EXPT is poised for significant revenue growth. The Company expects to report 2007 revenues of $0.5 million and 2008 revenues of $1.5 million.
Exhibit 5: 2008 revenue forecast

Source: Management guidance
Assuming these revenue and cost of revenue numbers are achieved and considering management's goal of adding $1 million in new revenues each year over the next five years, we derive the following estimates:
Exhibit 6: Income statement forecasts

Source: Management guidance, Analyst estimates
The mortgage lender industry group currently trades at a 13 times Price/Earnings multiple and a three times Price/Sales multiple. Applying the 13 times industry P/E multiple to our 2010 earnings estimate, we derive a $0.35 price target for EXPT shares.
Analyst Summary Expert Group, Inc. supplies the lending needs of real estate professionals, builders and individual homebuyers. The Company has access to a full range of mortgage sources and can assist customers in finding the right loan with the best rates, terms and costs to meet their unique needs.
EXPT operates in Miami-Dade and Broward Counties of Florida. These areas have large Hispanic populations underserved by other lenders.
In 2007, EXPT has expanded its product offering to include pre-paid credit card, credit repair and lending services.
The Company anticipates 2007 revenues of approximately $0.5 million which will enable it to achieve breakeven. In 2008, the rollout of pre-paid credit cards and credit repair and lending services are likely to fuel growth in revenues to $1.5 million. Management plans to add at least $1 million to annual revenues over the next five years, suggesting 2012 revenues in a $5.5 million range.
Taking into consideration EXPT's new products, specialized focus and strong lending sources, we are initiating coverage of Expert Group with a Speculative Buy rating and a $0.35 price target.
Risks Limited operating history
EXPT became a publicly-traded mortgage brokerage company in November 2007. The Company's limited operating history and development-stage status make forecasting its future performance difficult.
Need for capital
EXPT's ability to implement its growth plans is contingent upon securing additional debt or equity financing, increasing revenues and becoming profitable. However, there is no assurance that the Company will be able to raise the needed capital and/or achieve its growth goals.
Intense competition
The real estate industry relies primarily on brokers and agents who facilitate sales and leasing transactions for a commission. This brokerage system is highly fragmented: according to the Association of Real Estate License Law Officials, there are over 2.6 million licensed real estate professionals in the United States, including commercial and residential real estate agents. The financial power of some larger competitors creates a tough competitive environment for smaller participants such as EXPT.
Liquidity risk
EXPT's shares trade on the Pink Sheets. This market is less efficient and more risky than the NASDAQ or NYSE markets due to higher volatility, reduced regulation, limited transparency and poor trading volume and liquidity
Management Shirley Rico,
PresidentMrs. Rico is also the firm's principal mortgage broker. She has over 6 years experience in the mortgage industry and established relationships with many of the nation's leading lending institutions. She holds a bachelor degree in business administration and has natural talent for managing and recruiting personnel.
Disclaimer

Für Investierte und die es noch werden, ist die EXT - EXpert Fiancial rRoup nur in USA an der OTC zu ordern

1.Die Aktie EXPT wurde extrem gehoertet, 2. ist noch ziehnlich unbekannt, wer weißt denn schon darüberDie hatte mal einen 992,0 US$ Jetztb beginnen gerade die shorter zu cover, das heißt sie müssen dann billig zurückkaufe.

U.a. mußt du mal die Beträge lesen, die reingeschrieben habe.

Sehr gute Zahlen,
Uplisting zu NASDAQ,
Treffen mit dem US$ Gouverneur.
Allgemeine Lage USA erholt sich
DIe EXPT - EXpert Financial Group gehört zu de Marktführeern in USA


Tolles gefühll einer der ersten zu sein

An der Börse ist das Pri8nzip so, z.B. Extra für dich:

Man kauft eine Aktie Billg WEnn sie gestiegen ist, Verkauft ma sie für einen besseren Preise, einen zu eiem höheren Preis, und macht dann schlißlich gewinn, ist doch oder, ja ist so !!!

Leute ließt euch erstmal die Beträge durch und überzeugt euch selbst.
Ich bin vo der Aktie mehr als überzeugt

Wenn sie erstmal bekannt ist, dann wird der Deckel wegfliegen

25 - 100+ bagger

Wünsche llen ivestierten und es noch werden ein schönes wochende.

Schau Wir mal, könnte gut möglich das die EXPT innerhal der kommenden zwei wochen extrem nach oben steigt, aber spätestens bei den nächsten Quartalszahlen zum Monatsende

>Wünsche llen ivestierten und es noch werden ein schönes
>wochende.
>
>Schau Wir mal, könnte gut möglich das die EXPT innerhal der
>kommenden zwei wochen extrem nach oben steigt, aber spätestens
>bei den nächsten Quartalszahlen zum Monatsende

lt. comdirect haben die eine marktkapitalsierung von 2,89 USD. nachdem ich das so nicht glauben wollte hab ich mal auf der homepage nachgesehen. dort findet man im prinzip nix außer irgendeinen finanzreport mit der angabe von 55 mio. aktien. das entspricht einer marktkapitalisierung von aktuell 16.500 USD. rein steuertechnisch ist es schon nicht so fein mehr als 1%, also 165USD dort zu investieren... denn lt. österreichischem steuerrecht gibt es bei unternehmensbeteiligungen >1% keine steuerfreiheit der spekulationsgewinne >1 jahr... also abzüglich freibetrag volle bersteuerung gem. persönlicher steuerklasse.

bleibe ich unter 1% kostet mich das aktuell 116,20 EUR + spesen von ca. 40 USD.

kauf doch gleich die ganze bude!

Renomiertes Manament Team,
Besten Leute werden eingekauft,
Fa. macht riesen Umsätze,
Expansionen demächst,
NASDAQ Uplisting in Vorbereitung und und und

Expert Group Inc. ist unter der Isin Nr. zu Ordern:

ISIN: US30215A1051 Symbol: EXPT

Heisst das, ich krieg um 16.500 Dollars (also knapp mehr als 10.000 Euro) 25 - 100 Baggers? Also so Geräte auf Rädern mit einer Schaufel vorne dran, wie der Bob der Baumeister einen fährt?

Wär ja echt interessanter als Webfreetv, da brauch ich 4 Mio. Euro um mir ein bisserl Know How, ein paar helle Köpfe und eine Büroinfrastruktur zu kaufen, mit einem Batzen Schulden dran.

Ich bin also ziemlich sicher dabei, wenn nix Gröberes dagegen spricht!

EXPT - Strong Buy $$$$. Also Ich setze heute nochmal eie fette Kauforder rein

Bid: 0,0004 US$ ASK bei 0,0005 UUS$

PS: The Sky is The Limit

Hoffentlich komme Ich heute nich zu 0,0005 US$, selbst höher machts nichtr, da es zu 0,10 noch Schnäpchen sind

Die kommenden Zwei Wochen werden sehr Heiß

Auf zu neuen Höhen

25 - 110 Bagger heißt

25 bis 100 Fache des jetzigen Weertes sind möglich und noch Höher

bis 1 US$ wären es 500.000 % Prozent

Jett Kaufen , da die Aktie von 2 US$ komt, Aktie wurde extrem geshortet, Die shorty müssen covern, sprich zurück kaufen, das ist so sicher wie as Amen in der Kirche,

Kaufen und liegen lassen und wenn es geht weiter azu kaufen

Die Nachrichten sind sehr Gut, Aktie ist noch unbekant, wenn als Beispiel die Amis noch aufwachen, dann wird die Aktie durch die Decke katapultiert werden $$$$$$$$$$$$$$$$$$

Die Aktie wird von Tag zu Tag bekannter, des würde Ich heute schon anfangen zu kaufen $$$