#1 - 100% Independent Home Mortgage Loan Advice, Tips on Rates,
Brokers, Refinancing:
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BUY NOW [1] | SUBSCRIBE [2] | RESOURCE LINKS [3]
"Why some people almost always
get the lowest interest rate
on their home mortgage... and
never pay too much
in points or "junk" fees!"
Buying or Refinancing?
Don't even _think _about getting a
First or Second Mortgage until you read this!
"Excellent for first time buyers, move-up buyers or refinancing. I
cannot recommend it highly enough - this should be required reading
for anyone who wants to get a loan."
M. Klinger, Real Estate Broker
Aventura, FL
If you want a mortgage with the lowest rate...
for the lowest points and fees...
here's exactly how you do it!
Listen To A
Personal Message
From Jim Edwards
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Upgrade quickly!
From the Desk of Jim Edwards
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.
Here's why:
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MOST PEOPLE DON\'T KNOW HOW TO SHOP FOR A MORTGAGE!
*
Here's how most people shop for a mortgage - (sound familiar?)
They call a few lenders and ask what the rate and points are. That's
it!
They have NO CLUE what QUESTIONS TO ASK about "points", fees,
interest rate "lock-in" periods, closing costs, "pre-paids", and more.
They're like lAMBS TO THE SLAUGHTER by a pack of hungry wolves!
*
THE "SYSTEM" IS STACKED AGAINST YOU!
*
Mortgage lenders make their money based on how much money you borrow
and the points and fees they can get you to pay.
*
The more money you borrow and the higher fees you pay... the bigger
their paycheck! It's human nature -- they will make you pay as much as
THEY MAKE A BIGGER COMMISSION!
*
MORTGAGE COMPANIES WILL "GOUGE" YOU FOR EXTRA FEES!
*
Not too long ago some MORTGAGE COMPANIES were FINED over $8,000,000
(Million!) dollars in a single year for OVERCHARGING _thousands_ of
borrowers who didn't know how to shop for a loan (source: U.S. Dept.
of Justice)!
*
Those lenders abused borrowers and took _thousands_ of dollars
extra out of the borrower's pockets for one simple reason - they knew
they could get a way with it!
*
Sometimes they'll just get you for a little $300 fee here or there -
other times THEY\'LL STICK IT TO YOU for thousands in extra interest
charges and you may never know it until too late!
*
My question is - if those companies are the one's getting caught..
how many more do you think are gouging borrowers just like you and
GETTING AWAY WITH IT?
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!!
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!
I HAVE READ AND AGREE TO THE DISCLAIMER [4] AND TERMS OF SERVICE
[5].
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