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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!! Because
of this and other pitfalls... you must learn the secrets revealed in
my amazing and shocking program -
 |
The
TEN Dirty Little SecretsTM
of Mortgage Financing
|
Here
is a summary of the fantastic benefits you receive
in this breakthrough mortgage program
- The Seven (7) most important questions to ask any lender.
- Learn to ask the questions that put lenders on the spot and keeps them from using "smoke and mirrors" to confuse you into spending more money.
- Simple but very powerful techniques to avoid overpaying tens-of-thousands too much in mortgage interest.
- Keep more money in your pocket and out of the bank's
hands over the long-haul... unless you like giving all your money to the bank.
- Learn the most VALUABLE negotiating tool you have as a buyer.
- Have the same power in negotiations as a buyer who is paying CASH. By taking this step you will ALWAYS negotiate from a position of POWER with any agent or realtor you deal with.
- How
to avoid being rushed by a lender into making a loan choice you may regret for
the rest of your life.
- Most
lenders want you to make up your mind and lock in your rate so you won't
shop around on them. They are motivated to make you "hurry up"
so you can't go anywhere else with your loan. Learn how to avoid this
common practice.
- How to
choose a motivated lender instead of the "loan shark" or the
"traditional banker".
- Learn to
quickly identify which lenders want to lend money at competitive rates and
which ones either want to bilk you out of every last cent or could care
less whether your loan ever closes!
- Do you know
how much is the right downpayment for you?
- The answer
may surprise you when you find out how various downpayment amounts affect
your monthly payment AND the private mortgage insurance you pay!
- How to save
$10,000's in needless interest once you do get a loan.
- Making your
payments the way the bank wants you to will leave you dead or dead broke
at the end of 30 years. This simple technique will save you BIG in extra
interest payments you won't have to make. Best of all - it's completely
legal if you know how to do it!
- Why making
decisions emotionally can haunt your retirement years.
- I'll guide
you step-by-step through the mortgage process so you make decisions based
on fact and not emotions. By the time I get done with you - you'll
probably know as much or more about mortgage loans as the banker sitting
across the desk from you!
- Why getting
Pre-Qualified for a loan isn't worth the paper it's printed on!
- Most
lenders, bankers and realtors will tell you to go get pre-qualified - but
that is one of the biggest mistakes you can make. If you go get
pre-qualified you might as well just hand over your wallet to the banker
and say "Here, take all my money at closing!"
- I'll show
you the right way to shop for a mortgage loan and exactly what questions to
ask!
- Why
shopping for a loan just on the basis of interest rate and
"points" can kill you financially. Most people just call a few
banks and ask what the rate a points are... but if you do this you might
as well step out in the road and get hit by a truck.
- How to
compare one lender's mortgage offer against another's!
- Most
lenders don't want you to be able to compare apples to apples with another
lender. They slide in fees, points, and other costs like hustlers on
street corners. I'll show you how to compare "apples to apples"
between lenders so you can easily choose the best deal!
- The absolute
"bullet-proof" way to choose which type of mortgage loan is right
for you!
- I'll guide
you through the process of determining which type of loan is best for you.
Fixed, Adjustable, Step, Balloon... it doesn't matter. I'll show you
exactly how to choose based on your needs - not the lender's!
- The one
question to ask your accountant so the tax benefits from your loan comes
immediately... not next year!
- You could
be making an interest-free loan to Uncle Sam with all the tax savings from
your loan. I'll show you how to work with your accountant so you can enjoy
that savings NOW!
- The absolute
"crime" of paying on your 30 year loan for 15 years only to find
you've paid off less than 25% of the principal - and what to do about it
(besides get mad)!
- Most people
never stop to consider how they pay the loan... they just make the
payments every month. However, once you see another way to pay your loan
you'll never go back to the "old" way again.
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:
-
how
to get the lowest rate mortgage for the lowest fees and points
in the current market...
-
how
to deal with lenders...
-
all
the questions you need to ask them...
-
how
to choose the right mortgage program...
-
how
to compare costs...
-
the
decisions you need to make...
-
the
problems you will face...
-
...
and a whole lot more!
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....
"We
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!"
A. Goss, Williamsburg, VA
"The
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."
E. Cassilly, Real Estate Developer, South Florida
"I
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!"
G. Gilley, Toano, VA
"I
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."
H. Kelly, Real Estate Investor, Williamsburg, VA
Warning:
Do NOT get a mortgage unless you
KNOW the answer
to ALL of these questions...
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:
-
Do
you know how to tell if a mortgage broker is telling you a rate over
the phone just to entice you into their office... or can they really deliver
what they promise?
-
Do
you know how to compare various lender's offers "apples to
apples" or are you at the mercy of people who know more than
you do -- and who want you to spend your money?
-
Do
you know exactly what to do in order to cut 10-12 years of interest
off your mortgage - safely, legally and without even breathing hard?
-
Do
you know how to cancel paying PMI? (Do you even know what "PMI"
is?)
-
Do
you know why getting "pre-qualified" is just a waste
of time... and can actually hurt your ability to negotiate with a
seller?
-
Do
you know the 7 questions to ask any lender to make sure they aren't
just using "smoke and mirrors" to get you into their office
so they can "get you down on paper"?
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:
-
Instant
access to this amazing information - no waiting for the mail!
-
The
complete The TEN Dirty Little SecretsTM of Mortgage Financing
manual to download plus some great BONUSES for acting
NOW!
-
You
get the hour and a half seminar accessed online ... guaranteed to turn you into a "pit bull" mortgage shopper! And
by the way - don't worry about listening to the tape online...
it's as easy as listening to mp3 music! - my grandmother can
even do it.
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:
-
Home
Warranties - Insurance worth Buying
-
No-Cost
Refinances - Short-term heaven... or long-term hell!
-
Clean
up your credit without getting ripped off by "Credit
Repair" companies
-
Your
"Credit Score"... What is it? How can it hurt or help
you?
You
can't lose with my 100%,
ironclad, money-back guarantee
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...
-
if
it doesn't show you exactly how to get the lowest interest rate
for the lowest points and fees...
-
if
it doesn't take you by the hand and walk you step by step
through negotiating with lenders...
-
if
it doesn't teach you exactly which questions to ask to keep from
getting bilked out of unnecessary points and fees...
-
if
it doesn't show you exactly how to shave years and tens of
thousands of dollars in interest payments off your mortgage...
-
if
it doesn't turn you into a confident "pit bull"
mortgage shopper
...
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!
And
here's the best part - I'm going to let you have all this for only $79...
$39
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!
Here's
how to order right now!
The TEN Dirty Little SecretsTM of Mortgage Financing
You
get UNLIMITED and INSTANT access to the manual, 1 1/2 hours of audio, and
all 6 Bonus Secrets online instantly!
Once your payment is
processed you will be taken to a page for instant download access to the information.
So go ahead - order now.
In as little as 2 minutes you will be benefiting from the proven
program that can literally save you thousands in fees, points,
and mortgage interest!
 
To
your success,
Jim Edwards, Author
The TEN Dirty Little SecretsTM of Mortgage Financing
&
"Selling Your Home Alone"
Click
Here To Email Us
Mortgage
Loan Tips
P.O. Box 878
Lightfoot, VA 23090
(757) 715-2157
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!
P.P.S.
I will only guarantee to hold the special $39 price for the
next
72 hours. Any time past that I could change my mind and put
the price back up to $79... so act now!
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