We have also entered into a selling agreement with our wholly-owned subsidiary, MP Securities, pursuant to which MP Securities will assist us in distributing our 2012 Secured Investment Certificates, which are notes we sell under a private placement memorandum and which are secured by loans or cash. The sales commissions and cost reimbursements paid to any broker-dealer firms that are engaged to assist in the distribution of such certificates will not exceed 3% of the amount of certificates sold. MP Securities will also act as a selling agent for our Class A Notes offering pursuant to a Registration Statement filed with the SEC on July 3, 2012. At the time the registration statement is deemed effective, we anticipate that our affiliate, MP Securities, will sell most of the Class A Notes being registered. Each participating broker in the Class A Notes offering, including MP Securities, will be entitled to receive commissions ranging from .5%, plus an amount equal to .25% per annum on the average note balance for a Variable Series Note to 5% for a Flex Series or 60 month Fixed Series Note depending on whether it sells a Fixed Series, Variable Series or Flex Series note and the term of the respective note sold (12 months to 84 months).

Related Party Transactions (Details Narrative) (USD $)	0 Months Ended	12 Months Ended		6 Months Ended
Related Party Transactions (Details Narrative) (USD $)	May 19, 2009	Dec. 31, 2011 N	Jun. 30, 2012 Class A Notes	Jun. 30, 2012 ECCU N	Jun. 30, 2011 ECCU	Dec. 31, 2011 ECCU
Funds held with ECCU				$ 16,000,000		$ 10,900,000
Interest earned on funds held with ECCU				74,400	46,100
Charges paid for physical facilities & purchase of other services				57,800	56,400
Mortgage Loan purchased				4,000,000	0
Interest income on Loan purchased				2,800,000	4,000,000
Number of loans serviced by related party				77
Number of Loans held by entity				125
Related party servicing Fees lower end of the range (as a percent)				0.50%
Related party servicing Fees higher end of the range (as a percent)				0.65%
Pass through rates lower end of the range (as a percent)				0.50%
Pass through rates higher end of the range (as a percent)				0.75%
Pass through rates for loans under Loan Participation interest lower end of the range (as a percent)				0.88%
Pass through rates for loans under Loan Participation interest higher end of the range (as a percent)				2.25%
Purchase of loans under Loan Participation Interest				8,100,000
Investment in wholly owned loan serviced by Related party				51,100,000
Investment in loan participation serviced by Related party				45,500,000
Percentage of loan balances already serviced by related party (as a percent)				1.00%
Impaired Loans purchased by ECCU		2
Impaired Loans purchased by ECCU, cash purchase price		4,500,000
Participation Interest Transferred by ECCU		1.00%
Participation Interest principal balance		25,000
Second Deed of Trust Principal Balance		500,000
Value of property (amount lower than the outstanding principal balance of impaired loans sold)		1,200,000
Mortgage Loan interest purchase agreements entered into with ECCU, number of impaired loans to be purchased		3
Mortgage Loan interest purchase agremeents entered into with ECCU, cash purchase price		6,600,000
Recovery of allowance for loan losses		914,000
Funds held by Alloya Corporate Federal Credit Union				92,000
Notes Held by Mr. Art Black, Board Member			224,276,000
Notes sold to Western Federal Credit Union	$ 19,300,000
Selling agreement entered into with MP Securities				We have also entered into a selling agreement with our wholly-owned subsidiary, MP Securities, pursuant to which MP Securities will assist us in distributing our 2012 Secured Investment Certificates, which are notes we sell under a private placement memorandum and which are secured by loans or cash. The sales commissions and cost reimbursements paid to any broker-dealer firms that are engaged to assist in the distribution of such certificates will not exceed 3% of the amount of certificates sold. MP Securities will also act as a selling agent for our Class A Notes offering pursuant to a Registration Statement filed with the SEC on July 3, 2012. At the time the registration statement is deemed effective, we anticipate that our affiliate, MP Securities, will sell most of the Class A Notes being registered. Each participating broker in the Class A Notes offering, including MP Securities, will be entitled to receive commissions ranging from .5%, plus an amount equal to .25% per annum on the average note balance for a Variable Series Note to 5% for a Flex Series or 60 month Fixed Series Note depending on whether it sells a Fixed Series, Variable Series or Flex Series note and the term of the respective note sold (12 months to 84 months).