Dear Loan Buyer,
(that's right - you will "buy" your next loan)
If you want to avoid the schemes and tricks mortgage brokers use to "gouge" you for extra fees and "points", avoid the common mortgage shopping blunders people make everyday that cripple them financially over 15... 20... even 30 years, or if you just want manage your mortgage to build financial security rather than sell yourself into financial "slavery" for 30 years- then this might be the most important letter you ever read.
And this is just the tip of the iceberg...
FACT: Every year thousands of people screw up the mortgage shopping process.
They get the wrong loan at the wrong price and pay for it dearly until they're old and gray.
Here's what I mean...
If you overpay for the house, you will get stung for some money and learn a valuable lesson. If you overpay for the mortgage in interest rates, points, fees or other costs, you will pay for your mistakes EVERY month for the next 30 years!
FACT: Everybody worries so much about the house that nobody ever gives very much thought to the loan.
It's the loan that costs you month after month - not the house. Yet virtually nobody gives more than a passing thought to the financing!
FACT: When I protested over the outrageous charges some bankers were bilking out of unsuspecting borrowers I had a manager tell me there was a code of silence among mortgage people about all the extra fees and points - his exact words were "honor among thieves."
Well I say "No More!"
But I'm getting way ahead of myself...
Ex-Mortgage Banker breaks "Code of Silence"
Whether it's a new loan, refinancing or a home equity loan - I am going to take you by the hand and teach you step-by-step how to get a mortgage loan without getting ripped off in interest rate, points and "junk fees"... then I'll show you how to manage that loan and all the insurance and tax costs so the loan actually sets you free financially!
Now, that's a tall order and I know you're probably skeptical. That's normal and healthy. Let me give you three good reasons I can back up what I claim:
Why should you listen to me?
Reason one: Did you know that many mortgage brokers can (and will) charge you so much extra in points an fees that they actually make more money than the realtors -- who charge 6%!?!
As a 10+ year veteran of the mortgage and real estate business I have seen things that would make most people roll their eyes back in their head in total disgust! I've seen mortgage brokers charge buyers more points than necessary just to make a higher commission.
Sad but true......
Buyers and homeowners just like YOU being charged Thousands of dollars extra because of their ignorance!
People just like your neighbors have been taken advantage of because they just didn't know any better!
I got into the mortgage business to help people... not to take advantage of them. I got so steamed up about it I decided to literally go on a crusade and do something about it.
That's why I developed my program "The TEN Dirty Little SecretsTM of Mortgage Financing" - I got sick and tired of seeing people just like my own mother and father get taken to the cleaners by unscrupulous money lenders!
Reason two: The lessons and methods you learn come straight from the front lines of the mortgage business. Someone who has actually been there... an 'insider'... teaches you the facts quickly and easily so you can take action!
Having worked in the mega market of Miami, Florida as well as in the upscale community of Williamsburg, Virginia - I have seen over 1000 real estate, refinancing and mortgage transactions get to the closing table... I have seen and financed with every type of loan imaginable - VA, FHA, Conventional, JUMBO, A.R.M.'s, Step, Bridge, 3-5-7-10 Balloon, 100% financing, 125% financing, Owner Financing, Reverse mortgages... I've BEEN THERE - DONE THAT and brought home the T-shirt!
The information in this program has helped literally THOUSANDS of people just like you to understand, evaluate and exercise their BEST OPTIONS in getting a mortgage loan and buying a home!
You get all my experience from thousands of transactions boiled down into one, simple-to-understand, easy to use program for getting virtually the lowest mortgage rate with the lowest points and fees possible in the current market.
If you are at all intimidated or unsure about the mortgage process - if you don't understand how to evaluate your options in getting a mortgage loan this program will help you feel comfortable that you are making the best decisions for yourself and - more importantly - your family's long-term financial well-being!
Reason three: It doesn't matter what type of loan you get... this information works !
Whether you are re-financing, getting a home equity loan or buying a brand new house... I don't have anything to gain financially by which mortgage option you choose as a result of my advice in this program.
That is always something that ticked me off about some mortgage brokers.
Even if it wasn't done consciously their advice always seemed to come back to the rate and points that would make them the most money - not what was best for the client!
Packing on the points or padding the interest rates because the buyer or home owner supposedly has "bad" credit or "too much debt" or "is a poor risk" is almost common practice.
And one more thing...
Now the buzzword around mortgages is "credit scoring" - a number that rates your overall financial "worthiness" to get a loan. Some lenders require certain scores in order to get the best interest rates... but some use these scores as an excuse to charge you a lot more money in points and interest for reasons that nobody without a computer science degree could understand!!
of this and other pitfalls... you must learn the secrets revealed in
my amazing and shocking program -
Here is a summary of the fantastic benefits you receive in this breakthrough mortgage program
Now, you're probably wondering how and why I can do all those things.
Let me explain...
In the The TEN Dirty Little SecretsTM of Mortgage Financing you get an hour and a half audio seminar that teaches you:
In addition to the hour and a half audio seminar where I guide you step-by-step through the entire process and point out all the potential pitfalls you may encounter - You also get a the manual packed and to the point with exercises, examples and illustrations of the points you need to understand and consider in getting the lowest rate loan for the lowest fees and points available in the current market!
The workbook, the software, and the 90 minute seminar are downloaded digitally from the Internet - so there's no waiting - you could be benefiting from this breakthrough program within 5 minutes!
I will also guarantee that you several incredible Bonuses at no extra cost if you act NOW!
More on that in a moment - but first you should read what our customers have to say....
got our loan in two days and I KNOW we got the best rate and terms
possible - because they were lower than 3 other lenders told me I
could get. I even had the loan officer tell me he had never had a
borrower ask him these questions and compliment me about how much I
knew. He actually asked me if I'd been
in the mortgage business!"
only negative about the program is that most people will never
realize how much they needed it until it is too late! Most people
will pass right over it - and some day look back and wish they had
bought the program. I've been building and financing houses for 40
years and I have never seen such a clear and concise explanation of
the right way to get a loan and avoid all the tricks I've seen
bankers pull over the years. Anybody who is even thinking about
getting a loan better buy this program as fast as they can."
have used the techniques in this program to save 10,000's in
interest on my own mortgage. I learned things I had no clue about
and could kick myself looking back. First time buyers and anyone who
feels like they got screwed on their last loan should get this
program. Accountants and engineers especially will like it because
it has so much great information in a compact and complete format!"
have bought, sold and financed dozens of houses as an investor. I
can say without a doubt that just some of these techniques would
have saved me the thousands of dollars I obviously wasted over the
last 25 years! I will never buy or finance a house again without
first reviewing Jim's program so all of his excellent tips and
advice are fresh on my mind and on the tip of my tongue when I start
dealing with these bankers."
Do NOT get a mortgage unless you
KNOW the answer
There is a lot of confusion surrounding mortgages and real estate loans.
I want to give you 6 questions you absolutely, positively must have the answer to before you sign up for any type of mortgage:
Before you pass over this program lightly as something you don't really need or don't have time for... ask yourself these six questions:
You get at least 10 times your money's worth!
How can you put a value on this critical information about the right way to get a mortgage loan and not make a mistake?
Let's look at the BIG picture...
Even at today's interest rates you will probably spend at least $100,000 in mortgage interest over the life of the loan - not to mention the original principal you have to pay back.
You'll most likely spend between $2,500 - $6,000 in closing costs on your loan.
You'll probably spend $700 - $1,600 in "pre-paids" - taxes, insurance, interest.
You'll shell out $275 - $350 in credit report and appraisal fees.
You tell me...
How much is it worth to you to spend all that money with 100% assurance and peace of mind that everything is going as planned and you aren't paying a dime more than you have to?
How much is that worth to you?
In summary, here's what you get:
Act immediately and receive the following incredible bonuses
Since I know it's 100% to your benefit to act right away, I want to sweeten the pot and give you every possible reason to say YES today! If you respond immediately, you'll also receive the following bonuses:
FREE Bonus one:
Complete Real Estate Calculator Software Package - this software calculates payments for various interest rates, loan amortizations, bi-weekly payments, "Good Faith" closing cost estimates, refinance savings calculators and more!
Comparable software packages sell for as much as $69.95 - but this power-packed, easy-to-use software package is yours free just for giving our program a try Risk-Free for 60 days!
FREE Bonus two:
BONUS Secret: How to Cancel PMI - besides taxes and insurance, PMI is the largest monthly expense most people have on their monthly payment (between $300 and $1,200 per year on a conventional loan). I'll show you exactly how to safely and legally cancel paying PMI as fast as possible - imagine what you could do with all the money you will save.
FREE Bonus three:
BONUS Secret: How to get the lender to pay some or ALL of your closing costs- That's right - I'll show you how to get the lender to pay some or all of your closing costs so you don't have to pay so much cash at closing! Imagine - some lenders have offered loans where the total closing costs only come to $99 or less!
FREE Bonus four:
All my BONUS SECRETS, including:
can't lose with my 100%,
By the way, these bonuses are yours to keep even in the unlikely event you decide to take advantage of our ironclad money-back guarantee:
The risk is all on MY shoulders!
Your satisfaction is assured through our no risk, you-can't-lose, 100%, no-questions-asked, iron-clad money-back guarantee. If for any reason, you aren't thrilled and satisfied with our product, just send us an email within 60 days and we'll refund 100% of your purchase price. No hard feelings!
Don't decide now!
What I'm saying is don't decide now if the program is for you. Just get it and try it out risk-free for 60 days. If it doesn't do everything I say and more...
... then I don't want your money!
I'll give you every penny of your purchase price back. You have nothing to worry about!
At the very least you get the free software that's worth more than your purchase price... at the very least you get special reports that can save you thousands of dollars in fees... at the very least you get all my BONUS Secrets - and at best you get everything I promise you and MORE!
So you see - any way you look at it you're about to be a winner!
here's the best part - I'm going to let you have all this for only
WHY can I sell it for OVER 50% off? - Because I don't have to send you anything in the mail! There's no tape to mail, no manuals to print, no postage to pay. You access everything online right now! Since I can make the same amount of money at this price I just pass the savings on to you and we both win!
how to order right now!
To your success,
P.S. - If you are going to make a loan application soon - will you be prepared... or will you just "wing it"? Don't take a chance with your financial future. Get this program, read it and use it to get the peace of mind that you got the best deal possible in the current market!
I will only guarantee to hold the special $39 price for the
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