No Hassle – Home Equity Loan The “90-Alive” PROGRAM – provides EMERGENCY MORTGAGE loans to home owners. Manny Johar of Expert Mortgage Concept is simple: If banks or other mortgage brokers have turned you away, you’ve come to the right place. With our groundbreaking 90-Alive program, we can offer loans to almost anyone! We understand what it’s like to be down on your luck, which is why we let our clients borrow up to 90% of their property value, even with no job, bad credit, or if you’ve declared bankruptcy. We’re here to see that you get the funds you need, helping you get back on track. Manny Johar is able to offer mortgages at rates that many other mortgage brokers simply can’t commit to. We’re able to do this through our network of lending institutions and over 300 private lenders. Most importantly our private lenders choose to invest their funds in you, rather than other ventures. This is because they truly want to help you get back on your feet. more... See more text