--If you want to retire earlier from that job you dread AND help your
kids with college, then this might be the most important letter you
will ever read!--
âWhat Would You Say If I Told You That I
Could Show You How To Pay Off Your
Burdensome Mortgage 13 Years FASTERâ¦And
Save $67,636 CASH, WITHOUT
Refinancing or Cutting Into Your Paycheckâ Guaranteed!â
With a completely individualized system created just for you, including..
Your personalized mortgage payoff program Special tools to keep you on track Your personal HELOC number â¦and if youâll give me 5 minutes, Iâll reveal the roadmap to your FUTURE FINANCIAL FREEDOM!
Dear Homeowner,
Itâs a rough world out there, isnât it? You work at your job, pay your bills, knowing you have to pay that big mortgage bill every month, right?
Let me ask you somethingâwhat would it take for you to let me help you pay off your mortgage fasterâ¦without spending more or refinancing?
Would you shrug it off as âtoo good to be trueââ¦or will you give me 5 minutes to prove it to you by showing you the numbers?
And what if I offered you a mortgage payoff blueprint designed specifically for you? What am I talking about? Iâm talking about a complete system called âEquityExcelâ thatâs been proven to produce startling results for hundreds of people from all walks of life likeâ¦
Dentists Teachers Software programmers Realtors Moms with kids depending on them Ministers Even millionaires! â¦and plenty more people who didnât think it was âtoo good to be trueââ¦and were rewarded with an earlier mortgage pay off!
"OK, let me cut right to the chaseâ¦and show you the proven money
- saving mortgage payoff system that everyone is raving about."
This is the real deal, the one that lets you COMPLETELY transform your mortgage finances by investing less than two minutes of your time each month.
And hang onto your seat, because Iâm going to show you exactly why everyoneâs talking about EquityExcelâ¦
Let yourself dream for a momentâ¦and imagine how it would feel to wake up one fine morning free from your mortgage!
And know that it CAN happenâ¦if youâll only agree to let me help you.
Picture this powerful promiseâ¦Iâll be your success coach every step of the way. Iâll be there for you, helping youâ¦
Stay focused Keep on track Avoid setbacks Doing everything I can to help you achieve your objective of building a better financial future starting with being mortgage free!
So let me ask you the question that could change the rest of your life--are you willing to let me help you?
If your answer is âYESâ, then congratulations! You just took a quantum leap towards controlling your mortgage financesâ¦
â¦and the process starts now as soon as you read the rest of this letter.
Do you really believe you MUST pay your mortgage for 30 yearsâ¦
â¦or do you wish there was a better way, a way to put more cash in your pocket instead of paying the bank so much interest, so youâd have money available for emergencies?
Even worse, are your credit card balances inching up every yearâand youâre not making real progress on paying them off?
Are you worried that when you move to your dream home, youâll have to sell your current house for less than you owe?
â¦and do you find yourself living a life of regrets, not living the life youâve hoped for, and resigned to the fact that youâll have to keep paying off your mortgage for decades to come?
If you answered âYESâ to any of these questions, Iâve got some GREAT
NEWS for youâ¦
You are NOT alone!
Hundreds of homeowners Iâve talked to have those exact same worries, frustrations and concerns. And you want to know whatâs really crazy about all this? It doesnât have to be this way!
EquityExcel is a proven, guaranteed mortgage payoff system thatâs rescued hundreds of homeowners just like you from the misery of mortgage payments that go on for forever and ever.
Let me be more specificâ¦thereâs really no good reason for you to have to stress and worry over any of these concerns when thereâs a way out, and Iâm going to show it to youâ¦
Let Me Tell You A Story About The Big
âAh Ha!â That Changed EVERYTHING For
Me...And Will Do The Same For YOU!
In September of 2005, I took a two-week vacation to visit my brother in Australia. Little did I know this would change my life foreverâ¦
Heâd started a company dedicated to helping homeowners who needed financial advice.
I must admit, I was very skeptical when he demonstrated a mortgage payoff system he used to help a single mom pay off her mortgage years ahead of schedule.
Just let this sink inâ¦my brother helped this lady go from almost
being crushed by her mortgage to being DEBT-FREE!
Was it too good to be true? I thought so. My 13 years as an auditor working for one of the largest CPA firms in the United States told me that it had to be impossible!
You see, I have a mortgage too, just like you, and just like that single mom.
When I had extra money or received a bonus I threw a little towards my mortgage balance. But no matter what I tried, I still had almost two decades left to pay off my mortgage. So frustrating!
But I had to tryâ¦and when I did, you wonât believe what
happened next!
When I got home, I thoroughly tested and investigated my brotherâs mortgage payoff strategy. After four months of intensive testing, my skepticism faded away⦠the results were unbelievable! I was getting rid of my mortgage!
I was so impressed that I quit my corporate job and embarked on a new career helping thousands of people build wealth by paying off their home mortgage with a strategy for the U.S. marketplace.
Does it sound too good to be true? Let me show you the
Seven Simple Stepsâ¦
Before we go any further, let me reassure you that our mortgage payoff system might sound a bit complicated, but itâs actually quite easy to use.
Iâm going to lay it out for you because I want you to feel comfortable that thereâs rock-solid logic behind this.
And more importantly, I want you to feel comfortable knowing that this will work for you.
Here are the 7 simple stepsâ¦
You use our software to find your personal âHELOC number.â You set up a Home Equity Line Of Credit (HELOC) for the Heloc number. You pay your bills and mortgage on time. You transfer money to your HELOC when our software tells you to. Your bank takes care of the restâand theyâre happy to do it! You use our mortgage payoff personalized system each month to make sure you stay on track. â¦and YOU PAY OFF YOUR MORTGAGE AS EARLY AS 13 YEARS SOONER THAN NORMAL, AND SAVE AN AVERAGE OF $67,636 CASH!
Still have questions? Iâll go into more details later, but first thereâs something I must share with youâ¦
Great newsâitâs not your fault youâre having trouble -
you do NOT have to take forever to pay off your
home..let me show you the way!
It all comes down to thisâ¦I can teach you a totally amazing way to pay off your mortgage faster.
Youâll also learn more techniques to keep more of your money for yourself and be 'financially bulletproof'.
And yes, Iâm totally seriousâ¦and my mortgage payoff system is proven and guaranteed!
Want to get on the path to getting rid of
your mortgage much earlier? Here are two
strategies that will put you on it IMMEDIATELY!
1. Keep more of your paycheck for yourself:
The Home Equity Line of Credit (HELOC) is the most powerful weapon ever designed for you.
Itâs so powerful, you get an INSTANT unfair advantage if you own a home. If you have a mortgage or an existing HELOC you can use it to keep more cash in your pocket instead of paying it to the bank each month.
Hereâs how it works:
Letâs assume you have an existing HELOC and you owe $7000 @ 8.5% on your HELOC balance. Your monthly interest payment is $49.58.
Hereâs how you can make a smaller payment and keep more for yourself â¦
Step1: Instead of depositing your paycheck directly in your checking account, use your HELOC as a checking account and deposit your entire paycheck in your HELOC (the banks will allow you to do this.)
Step 2: Pay all your bills directly from this HELOC account at month end only. If your paycheck is $5000 and your bills are $5000, then pay your bills directly from the HELOC close to the 30th of the month.
The bank calculates your interest and will charge you $18 in HELOC interest.
Did you catch that? By turning your HELOC into a checking account, instead of paying $49.58 in interest, you pay $18!
Congratulationsâyou just saved $378.96 a year. Instead of paying the bank this interest, you keep this for yourself. Now imagine if you have a larger HELOC balance ⦠you put even more money in your pocket.
But how does all this happen? Let me show youâ¦
See, hereâs the thing ⦠the bank charges you interest on a âdaily basis calculationâ on your
HELOC account. They calculate the interest charge everyday versus the start of the month.
The details are fully explained in our video, but you can call the bank directly and they will explain this to you. Let me share this with youâ¦I have personally saved thousands in interest just by using this one strategy. Go try this out and see the results for yourself.
2. Use the banks money to create an emergency reserve:
Before I learned all this wonderful stuff, it took me almost three years to save enough money to cover 5 months of monthly bills. It was difficult but I had to do it.
Do you want to know how to create an emergency reserve without taking the three years it took me?
The answer is in opening an HELOC.
Now here comes the good partâ¦
You can request from your bank a higher limit on your HELOC. This can be designated as your emergency reserve.
Letâs say you have a HELOC of $10,000 already. What you need to do is increase your limit to $15,000. The difference between what you owe and your requested limit $5,000 ($15,000-$10,000) is available to you for emergencies.
And you want to know the very best part? Itâs that interest is not charged on the $5,000 unless and until you actually borrow the funds.
Itâs a FREE reserve, that you can tap anytime you need to for an
emergency!
But what if youâve already borrowed your HELOC limit?
No problem--you can still create an emergency reserve. Keep in mind when you pay down your HELOC, our system automatically creates a reserve.
If you donât have an emergency fund, I strongly recommend you create one today by opening up a HELOC. Try it out and see the impact for yourself.
Still Not Crystal Clear? Let Me Put It Another Way...
Hereâs how the actual benefits of the HELOC workâ¦
Remember how interest is calculated on your mortgage? Itâs based on an amortization method. Yeah, thatâs rightâ¦the banks calculate this for you and you have no control over this. So if you had $7,000 in your mortgage @6.5% you would end up paying $38.66 of interest. But with our system, letâs say your âHELOC numberâ is $7,000, so you have $7,000 in the HELOC.
Now hereâs where it gets interestingâ¦
The HELOC interest is calculated on a daily basis vs. amortization basis. Letâs assume you pay
interest on the HELOC at 8.50%.
Now if you deposit your money early during the month, your HELOC balance is significantly reduced. When you pay your bills later, it increases again but only for a short time.
By doing the math, you end up paying $18 of interest on the HELOC when you deposit and pay your bills. Now you are effectively saving interest!
The second advantage is that the interest on the HELOC is tax deductible. (please consult your advisor) You get a further deduction for the interest that is paid.
This benefit of interest is used to pay off your HELOC account. Once the HELOC account is paid
down, you borrow your HELOC number again on your HELOC, pay down your mortgage and start
the loop all over again till your mortgage is finally paid off.
By Now You Must Be Wondering Who I Am
and Why You Should Listen To Me?
Hi, my name is Neil Venketramen and I have been in the accounting and financial services industry for 16 years. I was employed by a major accounting firm Deloitte & Touche, for thirteen years, in the Audit and Risk Services Division.
I enjoy finding personalized mortgage payoff solutions for my clients whose dream is to own their homes without any mortgage. Iâve developed equity acceleration strategies for families, couples and singles who have a mortgage.
In my quest to help homeowners just like you become debt free , I have assembled a crack team of financial experts to assist me.
One of them is an accountant who was previously employed by an international accounting firm, and the other is a CPA and certified financial planner with experience in the accounting and financial areas.
And of course, thereâs my brother, who created the mortgage payoff program and whoâs helped thousands of homeowners in New Zealand and Australia. Heâs responsible for product development.
Yes, You CAN Pay Off Your Mortgage Much
EarlierâWith A Radically Different Approach!
Iâm guessing that by now you must be thinking, âHey, I pay my mortgage on time. Thereâs no reason to do anything about it.â
Well, I hate to break it to you, but you may not realize that you are paying more on your mortgage than you have to. This happens because some of what goes on with the bank is very sophisticated.
The current mortgage system is designed to squeeze as much
money out of you as possibleâ¦
WARNING: youâre at a severe disadvantage because mortgage companies charge as much interest as long as possible without informing you in a clear way all the steps you can take to change it.
The current system requires your payments follow an âamortization scheduleâ, which forces most of your money to go towards interest.
In the first five years, you could end up spending five times more in interest than in mortgage principalâand thatâs a huge chunk out of your paycheck! So if you make $12,000 in principal payments, you end up spending $60,000 in interest. Unbelievable!
And when you move, the bleeding starts all over againâ¦
The banks know youâll probably move again or refinance in 5 years, and then the cycle of paying more interest starts all over again.
It takes years before your loan balance is reduced by a small amount âhow unfair is that?
How many years have you been paying off your mortgage and are you really further ahead?
But hereâs how to fight backâ¦
Youâre going to love thisâ¦thereâs an improved mortgage payoff method you can use to reduce these interest payments.
The way to do this is simple. Just apply more of your monthly mortgage repayment to principal rather than interest without changing your repayment or refinancing your mortgage.
For example if you pay $1,200 towards your mortgage repayments, $1,100 goes towards interest and $100 towards principal early in the life of the mortgage.
You can pay more to principal, less to interestâ¦and itâs perfectly
OK with the bank!
Hang onto your seat, because now there is a way to apply $900 towards interest and $300 towards principal without changing your lifestyle or paying more and the best part is that the banks will gladly accept this!
This mortgage payoff method has been around for forever but nobody has figured out how to use it.
Until now.
Wouldnât you like to shave 13 years off your mortgage? You can!
Hereâs howâ¦
Your mortgage can be paid off in one-half to one-third of the time. Most of our clients shave at least 13 years off their mortgage without spending a cent more.
And no, you do NOT have to refinance or get another mortgage; just have an open mind and a willingness to tackle a common math problem!
I promise you, you will NOT have to change your day-to-day spending habits or your lifestyle to take advantage of this concept. Itâs a sound, smart way to pay down your mortgage.
Welcome to a whole new way to think about your mortgageâ¦and get
debt-free!
This fascinating new concept is not a bi-weekly or debt roll-down program; rather itâs a new way to think about paying off your mortgage.
First used in Australia, the mortgage payoff concept is based on a proven mathematical formula and has been tried and tested by thousands of homeowners.
Hereâs the proof: Australians typically pay $100K - $150K less in mortgage interest than do most Americans. Itâs quickly catching on in the United States and we have been selling this to our clients for the past three years.
But first, let me pull back the curtain and reveal to you the treasure
trove of tremendous benefits you get when you use EquityExcel
Mortgage Payoff Solution:
You get a proven way to pay off your mortgage 13 years faster WITHOUT spending more or changing your monthly mortgageâand youâll feel thirteen financial years younger!
Itâs actually a secret way to reduce your monthly interest charges that you pay to the bank, over time keeping $67,636 in your pocket rather than paying this to the bank!
You learn how to cut at least two and a half years of your mortgage from the first day you implement the mortgage payoff program. This is going to put a huge smile on your face every time you open up your monthly mortgage statement and see your actual progress.
You also get a counterintuitive way where you get to keep most of your tax deductions for interest paid every year even though you pay off your mortgage faster and keep more of the interest for yourself.
Plus, we show you a time saving method you must know to spend less than 2 minutes a month to keep on track.
And you get a step-by-step âin the fieldâ exercise to put the entire payoff system on autopilotâ¦so you'll never fall off track. It works so you donât have to.
We even show you how to use the bank's money to fund your emergency reserve. Hereâs the best part, you pay no interest to set up this reserve, while you get instant access to these funds immediately without standing in line to withdraw it.
And you wonât want to miss this one--the ONE money saving question that you must ask your banker when setting up your HELOC account that will save you hundreds of dollars in fees. That one tip alone is worth the cost of this solution.
5 Question âMortgage Payoff Checklistâ that you must use to start saving money from day one.
How to avoid the stress and feeling of guilt by trying to figure out how to send your children - or grandchildren - to collegeâ¦AND never worry about them being stuck in a dead-end job, taking a lifetime to pay off student loans and other credit card debt since they had to fund their education themselves.
The stress free method for meeting your monthly bills, student loan obligations, credit card debts and mortgage payment with ease every month while still building momentum for a sound financial future.
And thereâs more, like how to put more cash in YOUR pocket instead
of the bankâsâ¦
A simple and easy to use âinterest rate reductionâ technique which puts more cash in your pocket, regardless of whether you owe 5% or 6.5% interest on your mortgage.
How to use your existing HELOC to pay off your mortgage early even though it may not have all the functionality to work with our program.
Learn the secret of the âinterest looping methodâ and save tens of thousands of additional interest. This is a secret available only to our subscription members.
How to generate a 22% return on your home each year without spending a cent of your own money. This no risk return will shock the socks off your financial advisors and your friends. You donât even need to go to financial school to learn this.
The secret method to eliminate your credit card balances once and for all and convert your high interest rate balances of 15% or 20% to 3.5%, keeping more of your own money in your pocket.
The exact steps needed to get out of your Adjustable Rate Mortgage and Interest Only Mortgage so that you are not sucked into another thirty year cycle of interest payments.
Learn the key strategy by using your home to fund a down payment on an investment property.
Know the key trigger points that will pinpoint your mistakes if you fall off track with the system. Just by knowing this in advance, you are well on your way to mortgage freedom. These trigger points have never been revealed or discussed before and will shock even the so called âmortgage accelerationâ experts.
Find out how paying your bills late in the month or only when due will result in hundreds of dollars of extra cash back to you.
Automatically improve your credit score without you even knowing about it. Turn a good credit score into a great score, which in turn lowers your interest rate on other loans and puts more of your hard earned money back in your pocket.
A one step method of applying more of your monthly mortgage payment to principal rather than interest, which will turn you into a financial genius. You will even shock your mortgage broker and friends with this information.
Watch a simple 12-minute video and weâll show you how to turn your life aroundâ¦
Instantly turn into a mortgage payoff wizard by sitting down, putting your feet up, eating popcorn all while enjoying a 12 minute video. This is all you need to turn your financial life around and take control.
Avoid a dangerous mistake, that even the experts make when implementing this mortgage acceleration system. Be aware of the methods that apply specifically to a fixed rate mortgage, ARM or interest only mortgage, and find out why all mortgages are not created equal.
How to create that financial bond with your spouse or partner each time you open up your mortgage statement, and knowing that paying off your mortgage each month results in building up your net worth instead of robbing you of your cash.
A sure fire way to accelerate equity in your MORTGAGE today and continue the build up when you buy another home.
How to eliminate mortgage payment anxiety forever.
Why to ignore the naysayers and the negative media. Why listening to them will cost you tens of thousands of dollars of interest.
Two secret methods used to create an emergency reserve for yourself without spending your own money, methods that have been rarely used by outsiders.
Apply the one foolproof method to get maximum returns on your current emergency funds. A method so effective that even your financial advisor will be impressed.
Find out the real risk behind using your mortgage as an emergency reserve and the best alternative.
A simple technique to turn your checking account into a tax efficient account, so you get an interest deduction for using the HELOC.
Find why paying off your home is a good investment. It is so simple and effective that most people will never know how to do this.
And all the while, youâre guaranteed to stay in control of your finances⦠hereâs howâ¦
How to put the mortgage payoff system on autopilot so that you don’t have to spend more of your personal time on this each month
The full tax benefits from your mortgage revealed to you the first time in a simple and easy way to take advantage of all the deductions available to you.
Be aware of the mortgage myths that hold you back from turning your home into an asset.
The “control test” – Three simple questions to find out if you are in control of your mortgage or your mortgage is in control of you. Why you are working for the banks each month even though you don’t want to admit this. Are you tired of doing your best and being frugal but still not making progress each month?
How to prevent your mortgage from stealing from your retirement and children’s education funds.
How to get rid of that nagging feeling each month that your mortgage payment is a drain on your paycheck and preventing you from living in the moment.
How to make home improvements while borrowing from your HELOC and still finishing ahead.
The step by step mortgage payoff method of escaping from financial jail and becoming financially free and clear forever.
A simple method to use extra funds if you have them to pay off your mortgage at lightning speed and say goodbye to the mortgage spin cycle
How to use a simple technique to make the cost of your next vacation a non-issue.
Share the one important piece of information with your loved one with excitement every month. This one number will take the stress out of your discussion and will have your wife or partner looking at you with admiration each month.
And hang on, because there are still even MORE great benefits for youâ¦
Use the key mortgage payoff strategy to turn the house of financial pain in to the home of your dreams.
Have you ever felt like a dieter who's lost 10 or 20 pounds, only to gain it all back? Those who are in debt are likely to fall back into debt again - unless they change their way of thinking big time. One simple easy to use mortgage payoff technique that puts your finances on auto pilot and consistently hits your target each month without you having to do any work.
No budget required. No need to create budgets and compare this to your bills. You take charge once and for all as the mortgage payoff system does the work for you.
A simple mortgage payoff technique to help you get out of a financial conundrum. Follow the one easy to use method so that you can finally achieve financial freedom without spending more.
Get ready for Robin Hood economics. Keep more of your hard earned interest, approximately $67,636 in your pocket instead of paying this to the banking sheriff.
The one mortgage payoff action step, that turns the whole mortgage payment schedule upside down. Instead of the banks charging you interest up front in advance for the month, you get to be in control of your mortgage destiny instead of being at the mercy of your mortgage company.
A two-step technique for increasing the equity in your home faster than any program available without using your own money to do this…and NEVER worry ever again about selling your home for less than what you owe on your mortgage, irrespective of the market conditions.
Stop being tossed around by financial waves in a rough sea and take your family along for the ride. Become the lighthouse for your friends and family.
A mortgage payoff method that allows you to become mortgage free and become the envy of your boss and co-workers.
A quick and easy way to plan for an early and happy retirement where you would use your social security check as a bonus instead of paying off your monthly mortgage commitments.
Set yourself up with a vacation home with the equity in your existing home without you spending a cent of your own money for a down payment while still paying off your first home and vacation home early, saving hundreds of thousands of dollars of interest.
Make peace with yourself that your mortgage is no longer a burden but used as a mortgage payoff tool to grow your net worth with each payment you make every month. [
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Need More Convincing ⦠Like How
You Can Be Sure That This Mortgage
Payoff Program Is Going To Work For You?
Take This Quick Quiz To See If Youâre Eligible to Use Our
System to Pay Off Your Mortgage Early And Save Money:
About your mortgageâ¦
Do you own a single family home, a duplex, townhouse, condo, farm, hotel, vacation home or investment property? Do you want to own your home outright within the next 10-15 years? Is your mortgage balance between $250,000 to $1,500,000? Is your mortgage interest rate higher than 4.50%? Do you plan to buy an investment home soon? Do you plan to retire in the next 10 years and will still have a mortgage? Do you have decent credit, some equity in your home, no prepayment penalty on your mortgage and will the bank allow you to set up a HELOC? Do you have a fixed rate, adjustable rate or interest only mortgage with more than 8 years left to pay on it? Do you want to accelerate your mortgage paydown and save more on your home, even if you have a bi-weekly program? Are you planning to move to a new home within the next 7 years?
About you and your financesâ¦
Do you already have a HELOC account? Is your spending less than or equal to what you earn? Do you have kids who need money for college, but you haven’t saved for it? Is it your goal to become debt free and stay that way? Are you are a person of action and willing to spend two minutes a month to do what it takes to put you on the path of financial freedom? Do you want to take control over your mortgage finances and not be totally dependent on your financial advisor? Have you run out of techniques to keep more of your paycheck in your pocket…and does that frustrate you? Do you want to have cash set aside for a financial emergency but haven’t been able to make that happen? Are you are sick and tired of feeling financially pressured and pinched…and you want to do better for your family?
â¦if you answered âyesâ to three or more of these questions, then you need this mortgage
payoff program, and you need it IMMEDIATELY!
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WARNINGâThis Mortgage Payoff Program Is NOT For You Ifâ¦
Before we go any further, let me be bluntâthere are some people who wonât qualify for this program.
This program is NOT for you if youâ¦
Are in the habit of spending more money than you earn each month. (In fact, no program in the world will work for you…until you get your spending habits under control.) Can’t qualify for a HELOC Are a complete financial genius and can spend 45 minutes each month on your own trying to figure out the system—then you don’t need my help. If you have 8 years or less left on your mortgage this program may not be for you since you are paying more principal than interest. If you are looking for a bi-weekly program--this is not it.
Hereâs what it all comes down toâ¦
You donât need me to tell you if you need this mortgage payoff systemâ¦if you need it, your gut is telling you right now that âYes, I need this!â
Look at it this wayâ¦why should you keep on making the bank rich when you can keep more of YOUR money for YOURSELF and your family?
Are You Still Skeptical? Think This Sounds
Too Good To Be True?
Thatâs Perfectly Understandableâ¦I Had My Doubts,
Too, Until I Saw The Powerful Payoff!
So Let Me Share With You The Plain Truth About
How EquityExcel Is Head And Shoulders Above Any Other
Mortgage Pay-Down Programâ¦
EquityExcel has won a loyal following because itâs a complete, personalized mortgage payoff system.
Unlike our competitors, itâs not just a book. Nor is it merely a piece of software.
EquityExcel is a unique financial blueprint that we create exclusively for YOU.
No cookie-cutter program.
No one-size-fits-all plan.
Itâs your own precision engineered and personalized blueprint designed to fit your individual situation.
What Sets Us Apart Are The Ways We Benefit YOUâ¦
Way #1: Our mortgage payoff program is the ONLY one thatâs specifically tailored to each personâs unique financial situationâgiving you the very best chance of success!
Other mortgage payoff systems do it backwardsâyou have to buy their book or software, figure it all out, then create your own plan.
We put you first, literallyâ¦the first thing we do is create a personalized blueprint to figure out your optimal situation. After that, youâll set up your HELOC with the bank.
To create your customized report for your unique situation, I leverage the knowledge I obtained by working for one of the largest CPA firms in the country.
I take a conservative approach to protecting you and your family when creating a mortgage payoff blueprint for your biggest asset, your mortgage.
I personally guarantee that you will not find anything else available that is even CLOSE to this mortgage payoff program.
And hang onto your seat, because in a few minutes I'm going to back up this guarantee by making you an offer you'd be crazy to refuse!
Way #2: This is a VISUAL model, which means you'll âget itâ immediately and use it.
Do you get overwhelmed by the usual financial self-help books that have hundreds of pages of manualsâ¦.all words, no pictures?
Then youâre going to love our systemâitâs a series of videos! Every concept and every mortgage payoff technique has an easy-to-remember method to go with it.
If you like to learn by SEEING how things work, then this mortgage payoff program is EXACTLY what you need!
Make sure you watch the video clips of the program when you sign up for this system...youâll âget itâ within 10 minutes!
Youâll know more than the gurus and will be on the path to financial success.
And if you think thatâs great, Youâre going to LOVE what comes nextâ¦
Your success depends on staying with the program, so weâve created some simple e-mail updates to let you know whether you are on track or not.
Our tools are so simple to use that within 5 minutes you will know exactly where youâre at. No detailed training or software to loadâ¦no hassles!
Way #3: If you plan to move to another home, our mortgage payoff program is completely and seamlessly transferable.
Moving to a new home is stressful enough. You donât need to add any more complications or pay more fees to keep your finances on track.
Our team has designed this so that itâs easy for YOUâhow great is THAT? Want to know how simple it is to use our system?
All you have to do is enter your new mortgage information into your tool and you are done. Itâs a complete no-brainer!
The mortgage payoff system takes care of everything for you and there are no costs to transfer. By transferring your new mortgage information into the system, you keep on getting the benefits.
Way #4: This mortgage payoff system is INTERACTIVE...you get a quick start guide and tools that you will actually use and apply AS YOU WATCH IT.
Donât you just hate those passive so-called âself-helpâ books? The ones the teachers expect you to read or listen to... then somehow "automatically apply" what they teach?
With EquityExcel, you get a quick start guide you can use IMMEDIATELY. We "interact" with you and guide you through the system and tools...and teach you what is necessary to use our system.
The hardest thing you ever need to do is make one quick call to your bank or broker to set your HELOC account.
I promise you that by the time you've finished setting up this system, you'll feel confident about your ability to handle your mortgage and be on the path to financial freedom.
Want to know our secret? Here it isâ¦
We take you step-by-step through the material... I promise, so that you will be up and running within 15 minutes. We donât just turn you loose, we take you by the hand and walk you through it!
Way #5: We hit the pitfalls "head on"...and address them directly to get RESULTS.
Hey, I know youâre busy and I respect thatâ¦so the last thing I want to do is WASTE YOUR TIME.
I've wasted enough of my OWN time trying things that didn't work...and I know how it feels to "spin my wheels" trying to figure out how to pay off my mortgage early.
Hereâs whatâs special about EquityExcel--this program has âteeth.â
We don't dance around the issues...and give you "hints". We address direct issues likeâ¦
How to put your mortgage payoff system on autopilot How to avoid bank charges How to skip unnecessary services the bank may offer.
We hit this stuff HEAD ON! We teach you techniques that get you
OUT of paying more money on administration charges and fees ...
and help you start enjoying the benefits in the very first month!
Way #6: We do the work for you so that you donât have toâ¦
Want to know the KEY difference between our program and others? Itâs the time requirement. Our mortgage payoff program takes only two minutes a month to manage.
I know your time is limited and youâd rather spend time with the family instead of trying to figure out financial tools, am I right?
Some technology input screens are so complex that it is easy to become frustrated.
Not us! Our program is designed to be user friendly. Any changes you make, automatically update your file.
Let the system take care of the work so that you donât have to worry about this!
Hereâs What Youâre Going To Get When You Order EquityExcel...
Lightning-fast instant access to run your personal report so that you can calculate your savings potential and figure out the optimal information to open up your HELOC account
Instant access to a downloadable video that walks you through how to read and understand your personal financial report
Video 1: Overview of the EquityExcel System
Video 2: A detailed âHow it works videoâ to get deeper into the numbers and prove the details
Instant downloadable video of your quick start guide
Your master book on How to pay off your mortgage faster. It includes important info onâ¦
Techniques to put more cash in your pocket, How to build an emergency reserve, Details on how to use and apply the system to pay off your mortgage faster, Debunking financial myths about your mortgage How to stay on track …and much, much more
So What Will Your Investment In This Valuable Program Cost You?
If youâve looked around, youâve seen similar mortgage payoff systems out there that range from $3,000 to $3,500.
Oh, and that doesnât count the time you have to spend on meeting with one of the sales agent and working through this programâ¦thatâs another âgotchaâ.
You should also know that one colleague tried to convince me that I should charge the same $3,500 and I seriously considered it.
However, I didnât want to put this critical system out of reach of most people, since Iâve been in your shoes.
We Cut Out The Middleman And Pass The Savings On To You
Why pay thousands of dollars to agents when we can cut the âmiddle manâ and thereby save you thousands of dollars?
But Iâm not going to let it go cheaply - because, frankly , I know exactly what this wealth-building skill is worth and how badly I sweated to put such a comprehensive package together for you.
So Iâm not going to put this material into the hands of anyone who doesnât appreciate the immense value here.
So here is how it is going to work. I am not even going to charge you $1,000 or even $500.
The cost of your mortgage solution comes in two parts:
To get you started immediately- to run your financial report, determine your optimal HELOC number and set up this system today and grant you full access to the videos, our price is only $397. Once you're up and running, there is an online subscription fee to our monthly online tool to help you manage this system. You can subscribe to this later and there is no contract or long term commitment if you choose to use the tool. The monthly subscription costs $19.97 and you can cancel at any time. You can subscribe to this monthly service after your HELOC account has been established. This tool is held in escrow. In the unlikely event that something were to happen to our company, this tool will be made available to you so that you can load this directly on your computer and continue to have access to manage your progress each month.
Look, I know $397 is a lot of money.
But frankly, if youâre someone who âgets itâ youâll immediately jump at this bargain and order right away!
But if this price seems like a stretch for you, let me clue you in on a
few things you need to seriously considerâ¦
What will you spend this year in entertainment, books, coffee or other type of expenses? Iâm guessing itâs at least $397, right? You might even pay $1,500 for a new computer only to discover it has become obsolete in less than 2 years.
But by investing only $397 to purchase our program you will be on your way to financial freedom and owning your home without a mortgageâ¦and thatâs PRICELESS PEACE OF MIND!
Look at it this way--the cost comes down to $1.08 per day for the first year only. Thatâs half the cost of a âcoffee-latte-espressoâ drink at Starbucks.
I challenge you to find a program of this quality that can do so much for so less.
Let Me Make This A No-Brainer For You With A Super-Easy
Installment Planâ¦
If $397 is just too much for you to swallow right now, you can make 4 easy installments of just $99.25 a month!
[Click Here To take advantage of our 0% Installment plan,
consisting of 4 easy payments of $99.25 ](http://2.eqxl101.pay.clickbank.net//)
And Let Me Sweeten The Deal With a Special, Limited-Time Offer Of
$100 OFF!
Okay my business partners think I am absolutely crazy, but if you buy today and pay in full I will give you a hundred dollar discount so you only pay $297.
So itâs up to you.
You can pay four easy installments of $99.25 or a onetime payment of $297.
This is a ONE TIME SPECIAL OFFER, which will expire on the 31st of October 2008 --- but if you intend to purchase this today, you will be on your way to financial freedom.
Look, you'd almost have to screw up everything we tell you. Plug your ears and fall fast asleep while listening to the video not to get thousand multiples of your investment, every year and that's a promise.
âIâll take all the riskâ Guaranteeâ¦
Yep! In fact, Iâm so confident youâll be bowled over by this system - Iâll even provide you with one of the boldest guarantees youâve ever seen. Iâm guaranteeing you will walk away with at least double that what you invested in this program!
Here's the deal: The guarantee is a 12 month double your money back guarantee. In the first 12 months lets assume you follow this exactly the way it is set up and you don't acheive any savings, not only will I pay you back 100% of your investment, I will double your money back.
That right â $794 paid directly in your account. All you have to do is look me in the "eye" on paper and show me that you followed what was set out for you and it did not work for you.
Fact is, our customers are extremely happy with their purchase and a whopping 93% go on to buy our online tool once they set up this system, over the course of the year.
My business is not based on taking your money if you are not entirely satisfied with our product. We pride ourselves of giving the best service. If you get past the one year mark and you are not receiving the full benefit, please let me know. If we still cannot resolve this we will make good on our promise to you. And yes, we do mean that!
Am I nuts?
I donât think so. We are confident that this mortgage payoff program will work for you since we tried and tested this out, we know that you will succeed. It has already worked for so many people.
Let me guessâ¦youâre asking yourself, âHey, if those guys are so confident then why are they only offering a one year Guarantee?â
Well, itâs really very simpleâ¦weâre doing it because you will know within the first year whether this program is for you or not. You will see tangible results in the first year.
We want to make sure that our program is for serious homeowners only. We will NOT refund your money if you are unable to qualify for a home equity line of credit with the bank. This is the one requirement that is needed for the mortgage payoff program to work. So please check with your bank first.
But thereâs still more⦠ACT NOW And Claim Your Special Bonuses!
Even though this system is head and shoulders above anything else out there, Iâm still going to sweeten the pot a little bit more with these exclusive bonuses.
We have specially designed this for you to help you get started with the program as quickly as possible but also to make sure you are on the path to success from day one.
Bonus 1: Free 30 minutes strategy and set-up session with my senior
partners â A $237.50 value, yours FREE!
Now this is the best bonus and is REALLY Special. When you buy the mortgage payoff system and start implementing this, I'm offering you a FREE 30 minute phone strategy session with one of my three business partners.
For obvious reasons I can't do this for everyone (there are only three business partners with the highest level of skill and limited time in the day), but only for a limited period for the people who buy, you'll get this bonus.
FYI, the hourly rate for financial planning clients is $475 per hour. My business partners charge $500 an hour, since in addition to financial services they specialized in tax planning and advice. So 30 minutes is worth about $237.50.
Bonus 2: Access to our monthly financial newsletters a $17.97
value, yours FREE:
If You [Act Now](http://1.eqxl101.pay.clickbank.net/) -- I'll automatically make you a member of my
"monthly financial newsletter club discussing financial breakthroughs,
the latest in health, lifestyle and personal growth.
These newsletters are designed in such a way to give you more financial tips so you accelerate your savings and improve your financial life no matter your situation. We send the newsletter directly to your e-mail. We charge $17.97 a month for access to this information and it is yours for free if you sign up today! These two bonuses, are worth at least $453.14 alone. You'll get both free, just for trying this program.
Let me be plainâ¦I have spent years perfecting this program. Iâm very proud of this programâ¦because it's going to allow you to accomplish the things you need to do MUCH FASTER than I was able toâ¦and with a much, much smaller investment.
I want to help you get this part of your life handled, and I don't want ANYTHING to stand in your way⦠including your financial situation.
Hereâs Exactly How to Order Your Personal EquityExcel System
RIGHT NOW:
[Click Here to Order Safely and Securely Online.](http://1.eqxl101.pay.clickbank.net/)
[Click Here To take advantage of our 0% Installment plan,
consisting of 4 easy payments of $99.25 ](http://2.eqxl101.pay.clickbank.net//)
You can pay using your choice of Visa, Master Card, American Express, or Discover. You will be taken to a secure site by our payment vendor, Clickbank.
To ensure the safety and the privacy of your infomation, please be aware that your credit card statement will indicate a charge from Clickbank (Clk*Bank.com).
Got a question? Iâll be happy to answer it!
If you have any questions, just send an email and we'll get back to you with an answer. Do me a favor, if for any reason you are hesitant please let me know. I really do want to help you.
OK, Iâm almost done, but if youâre serious about living the dream and owning your home without a mortgage and keeping more of your cash for yourself â thereâs no excuse for letting this opportunity slip through your fingers.
Donât be left out! The next move is up to you.
All the best,
Neil Venketramen
___________________________________________________________________________________
P.S. In this program you're going to learn the most advanced system for paying off your mortgage early and therefore save thousands of dollars of interest. This material requires no special skills or previous experience. You'll be using the materials that you learn IMMEDIATELY with instant results. I guarantee it.
___________________________________________________________________________________
P.P.S. Of course, I realize there are tons of books out there at 1/10th or maybe even 1/100th the price of this system. There's got to be a good reason they are priced like that, right? This is not a book or a DO IT Yourself guide. We are going to help you set this up and then give you the reports and tools to help you keep on track. I make absolutely no apologies for that - the truth is this is a huge bargain compared to others who are paying $3,500 for the same service and do not forget our special offer expires on 31st October 2008
___________________________________________________________________________________
P.P.P.S. The bottom line is this: do you SERIOUSLY want to become a master of your own financial future? If so, let me hand you the combination to the vault!
[Click Here to Order Safely and Securely Online.](http://1.eqxl101.pay.clickbank.net/)
___________________________________________________________________________________
Read What Others Have To Say...
I was fortunate to hear about the EquityExcel program from our financial investor and friend of our family. My wife and I were really excited to see if it would work for us. I was already paying extra towards my mortgage so any extra savings would be a blessing in disguise.
Trusting my friend's financial expertise and knowing he had my best interests at heart, he ran my numbers and I was pleasantly surprised with the results. I am currently using the EquityExcel Strategy in conjunction to paying extra towards my mortgage, which has accelerated my mortgage even further. I really enjoy receiving an email every month showing me my savings, as I can see in seconds if I am on track on achieving my goals.
I personally plan to pay off my home in less than 10 years! Itâs definitely a life saver and I recommend it to anyone.
God Bless,
- Father Glen Cannon, Maryland
I have been a CPA for over 25 years and prior to been introduced to EquityExcel never knew that you could implement a strategy to pay down your mortgage faster without making any extra principal payments.
I am a conservative person, as are most CPA'S, so I was skeptical at first. I am now sold on the program. It really works! I know I will save thousands of dollars in interest from utilizing this program and now I donât have to use my savings to pay down my mortgage. You owe it to yourself to give the program a serious look.
- David Kalfen, CFA, CPA
I first came across the EquityExcel program in December of 2005. I was skeptical at first then I decided to try this out.
Over the past three years I was so impressed with this that I have personally referred dozens of people to EquityExcel to facilitate the rapid repayment of mortgage debt.
The one comfort that I get from this program is that it uses provable mathematical concepts to make the program work.
What I really enjoy is that I maintain control of my funds at all times. This program is designed for my personal situation and advises me if I wish, when it is appropriate to make additional principal payments to the mortgage.
I certainly recommend this program if you are looking to pay off your mortgage
- Simon Stein, VP Lending, Chicago, il
I decided to try out the mortgage reduction strategy although I was skeptical at first but so far, it has been great! Although some of these financial principles are universal, itâs the clever combination of these principles that allow you to pay off your home faster with the same mortgage payment.
I personally hated knowing that most of my paycheck went to my mortgage. It was always a concern because in the back of my mind I was constantly worrying about finances especially knowing that the future is unpredictable. I did not know how I would continue to make payments towards my home if something were to happen to me or my husband tomorrow.
I am more comfortable now knowing I can still make the same payment and have the ability to build equity much, much faster. The best part is that I no longer have to fear about losing my home.
I definitely support this product, good luck, and happy savings.
- Denise Pillay, Pharmacist, Chicago
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