Constitution Holdings Companies

GMG Mortgage:  A dynamic and thriving mortgage company that offers various types of Residential Mortgage loans and loan origination services, to consumers in the following states: Massachusetts, Rhode Island, Connecticut, Florida, New York and Pennsylvania.  The mortgage company currently has 20 loan officers and continues to add new loan officers every month, which will significantly contribute to future growth with increased loan production and additional revenue.                                

GMG Mortgage was established and handcrafted in 2008, by David Gaudreault, a seasoned mortgage and financial services professional with over 30 years of experience in financial services. Mr. Gaudreault is a leader in every sense of the word, with a sound understanding for the financial markets and the characteristics of providing outstanding customer service. Mr. Gaudreault is the Chairman and Chief Executive Officer for Constitution Holdings Group and the visionary behind each of the companies owned by Constitution Holdings.   

Constitution Realty Group, Inc.:  Constitution Realty Group (CRG) was established to provide synergies with the other entities owned by Constitution Holdings and take advantage of market opportunities in Real Estate.  The Real Estate Company is a market leader in service for the New England Residential Real Estate market and provides referrals for new mortgage loans to GMG Mortgage and the other entities in the Constitution family of companies. 

The Real Estate Company with dedicated professionals is currently implementing a State of the Art Technology as a primary aspect of its marketing plan, using a web-based strategy to identify consumers who are looking for new homes for sale or listing services. In using an internet based consumer oriented products and services menu on the first page of all major search engines, CRG will gain customers who are seeking to Buy or sell Real Estate and capture market share from the competition.  
                                                                   
GMG Commercial: GMG Commercial, is a newly formed entity that provides a wide variety of small to mid balance commercial loans at competitive rates throughout the New England Region and across the United States. The Commercial financing industry is a very necessary part of our economy with significant opportunities for growth in the future, as Bank’s continue to pull back on making Commercial Loans. GMG Commercial is a full service Wholesale Brokerage with a knowledgeable and talented President in Frank Hover. 

Mr. Hover is a Business Development Specialist with ties to the Software Industry and specialized Customer Relationship Management product knowledge and directly responsible to develop GMG Commercial and produce results in the form of revenue for Constitution Holdings Group.                                                                     
   
Constitution Tax Services:  Constitution Tax Services was established to take advantage of the synergies from existing and prospective consumers who are served under the various entities owned by Constitution Holdings Group. Constitution Tax Services offers Tax planning and Tax Preparation for existing and new customers of GMG Mortgage, Constitution Property and Casualty, GMG Commercial, Constitution Investment Group, GMG Finance, Constitution Realty Group, and Constitution Title.

Constitution Tax Services is headed up by a knowledgeable experienced Tax Accountant in Charlene Poirier. Ms. Poirier was recently hired as the Manager and staff accountant for Constitution Holdings Group. She was formerly the Manager of two Jackson Hewitt income tax preparation offices and brings GMG Tax Services a wealth of knowledge and experience in the fields of tax planning and tax preparation. 

GMG Finance:  GMG Finance was established to capitalize on market conditions by Lending Mezzanine capital for Private Money Transactions and the purchase of bank owned properties for rehabilitation and resale. The objective of the company is to identify low risk transactions with an opportunity to earn high yields on lending capital and generate additional leads and Real Estate listings for Constitution Realty Group.        

Constitution Title, LLC:  (CT) is a real estate title & escrow company offering a suite of title insurance products to consumers who are purchasing or refinancing real estate. Constitution Title differentiates itself from the competition with a focus on less expensive sit and sign real estate closings by approved attorneys. In addition, the title insurance company will market its products and services to outside attorneys and identify new attorney agents who will become affiliated with CT and sell our title insurance products in many different markets.

The title insurance industry represents a tremendous opportunity for CT in the future as title insurance is required on all residential real estate transactions with financing and most commercial real estate transactions.  The title insurance arm will become a driver of revenue generation for Constitution Holdings Group with low overhead expenses and the national average for title insurance claims at a mere 4% of all real estate transactions.

Constitution Property, Casualty and Life Company:  Was formed to take advantage of opportunities to provide various types of insurance products for the Home buying community and consumers served by each one of the companies under the Constitution Holdings umbrella.  As GMG Mortgage is currently expanding, the company has potential to furnish hundreds of Homeowners Insurance policies to its’ Mortgage Clientele and take advantage of synergies for new insurance business from sister companies.

Business Summary

The composition of the Holding company consists of an experienced management team and individual companies that offer outstanding customer service in the packaging of desirable financial products that are very appealing to consumers. The company is building a state-of-the-art Customer Relationship Management Database with detailed contact information for tens of thousands of customers, with plans to add thousands more every month going forward. This database is a part of the overall marketing plan with tremendous multi-tiered lead generation capabilities for each individual company.

Constitution Holdings Group, in conjunction with its wholly owned subsidiaries, are actively seeking to expand in the marketplace and take advantage of opportunities for growth through acquisitions. The Holding company has recently made several acquisitions and will acquire 15-20 more complementary businesses with well established brands and the ability to adapt to the Constitution way of thinking with service and ethics.  The Holding company is establishing a Board of Directors made up of competent individuals with diverse backgrounds to provide various perspectives to Senior Management.  

The expansion of the Constitution brand will be carefully implemented with precision and create operational efficiencies for the organization as a whole.  The Holding company has a tremendous ability to generate cash through its individual subsidiaries with increased profitability, while creating significant value for its shareholders.  Constitution Holdings Group is planning to become a Public Company in October of 2009, through a Direct Public Offering of shares (DPO) and an S-1 Registration Statement with the U.S. Securities and Exchange Commission.

The Holding Company is currently on the acquisition trail in the New England Region and through a subsidiary, has recently acquired Providence Mortgage in Providence, Rhode Island, with Mortgage Broker licenses in Massachusetts, New York, Rhode Island, and Connecticut. The growth by acquisition strategy is already paying dividends for the company with increased production from the Providence Mortgage brand.  Constitution Holdings is currently in talks to acquire several other entities at this time and plans to continue with expansion through acquisition and create synergies with the other companies under the Constitution Holdings umbrella.               

The Holding company will have several distinct advantages over the competition in financial services.  Constitution Holdings Group will have the ability to allocate financial resources in unison to market demands for any particular products or services offered under the ownership umbrella of companies. For instance, when real estate activity develops an upward trend in the future, the Holding Company will be uniquely positioned to allocate more financial resources to Real Estate for the purpose of feeding business demand and generating more revenue. This rationale, in conjunction with multiple revenue streams from each individual company, provides unique adaptability to Constitution Holdings with added stability to our Revenues.

Constitution Holdings Group is headquartered in Mashpee, Massachusetts, in a cost effective, central location in the New England region. The following entities are owned by Constitution Holdings Group and will generate revenue for the Holding Company in the form of multiple revenue streams in which the Holding Company will generate cash.