KMF Development, Inc.

Homeowner foreclosure alternative. ------------------------------------------------- KMF helps homeowners, at no cost, who are in financial distress by negotiating with their mortgage lenders to accept a lower payoff and to get their mortgage credit record updated to "Paid-in-Full". KMF will buy the property and re-sell it for a profit. The home owner avoids a foreclosure, the bank free's up 'frozen' assets for lending again, the buyer gets a home below market value, property values are saved and the realtors earn their commission. There is a benefit for all parties.