FREE REPORT #1

How To Escape the Debt Rat-Race And

Get Debt-Free, Fast.....

How To Escape From Financial Prison

Including:

Important Information About

Your Home Mortgage

Most of us live in a “financial prison” because even though we do live in the greatest country in the world, even people with good incomes, who are buying their own homes, wind up with “ financial prison” instead of “ financial freedom” - mostly because of what bankers and credit card companies never tell them - and hope you never to stop think about.

This report is for homeowners with a good income, who pay their bills and would like to be debt free and retire wealthy someday. This report is a rather long letter. It’s lengthy because it is a compilation of years of working and constant thinking of debt and how to get rid of it in the quickest, most painless, yet effective manner. I have helped many homeowners, like yourself, become debt free sometimes in less than 5 years by showing and helping them restructure the way they pay their bills and spend their hard-earned dollars. People are paying too much interest and staying enslaved to debt when there are “financial secrets” that could give them freedom from debt fast.

JUST FOR EXAMPLE: “We were paying 18% on our mortgage with Beneficial and had a bunch of high interest rate charge cards. Our mortgage company lowered our interest rate 9.9%, paid off all our debts, including the car loan, and got us $7,621 in cash! We reduced our monthly payment by $318 per month, increased our tax advantages and made a good friend in the process. We are well on our way to being truly debt free for once in our lives.” Hubert & Larue Hutcherson, PA

Make Extra Money Every Month Without A Second Job

Here’s a way to get $200.00, $300.00, maybe $500.00 of new, extra spendable cash in your pockets every month without working another job, without starting a new business, without risk or cost, just by doing what you’re doing now...making your house payment PLUS you’ll get out of debt faster. It will take you about fifteen minutes to read this entire report to learn how you too , like thousands before you, can escape the debt rat race. You responded to our ad for a reason. The motivation most likely came from either frustration at how hard you work versus how much it costs to stay on top of your bills (if you’re like most, you probably even feel you are not making the kind of money you are worth), and/or you sense you are nowhere close to ever having anything paid off, that your debt is like that bunny on TV, it keeps “going and going and going...”, or like that one man who died, never having paid off his Sears card his whole life.

Over the years I’ve dealt with nice folks from all walks of life and I’m proud to say I was able to help many of them find money to solve their money problems. Some were a little skeptical at first because they thought you had to have good credit, never a late payment on a mortgage, have lots of equity, and be able to prove their income in order to consolidate their debt so that they could get everything paid off faster. And that’s generally the case at a bank. You simply can’t walk into a bank and get a loan on your house if you’ve had credit problems or if your debt ratio is too high or if your income can’t be verified or if you’ve had a bankruptcy.

That’s the reason I’m in this business. I simply believe that people should be able to use the best form of collateral they have, their home, even if they’ve had some problems in the past. Equity or not, you should be able to use your home to improve your financial situation. And why not? We’ve worked hard to own our homes. Why not let our homework for us. Let me show you how.

Let Your Home Work For You: It’s A Lot Easier Than You Think!

Let’s look at some of the situations I’ve run across in the past and you see if any of them relates to you. Do you need...

# To get yourself out of debt fast?

# To lower your monthly payments?

# Money to get your house in shape so it can sell?

# Money to do repairs that have been neglected but can’t wait much longer?

# Money to pay back taxes?

# To put a child through college?

# To consolidate debts so your total monthly payment is smaller?

# Money to make a down payment on a new house while waiting for yours to sell?

# Money to buy a car or other vehicle because you can’t get bank financing?

# Money to take a long-awaited vacation while you can still enjoy it?

# Money to cover funeral expenses of a relative or friend?

Are you anywhere on this list? If so, keep reading because there is nothing stopping you from joining the ranks of our satisfied customers--except your willingness to act.

But before you begin your journey into becoming debt free fast, let’s look at what banks, mortgage companies, credit card companies, and financial advisors either don’t tell you, or don’t know.

10 Little Known Facts Your Creditors Hope You Never

Find Out or Understand

1. How Much Equity You Have In Your Home. What a guarded secret this is among bankers! How is it determined? You probably have more equity in your home than you think. I can help you determine and maximize what equity you have in your home. Different companies use different methods, you just have to be “in the know.”

2. Bad Credit Stays On Your Record For 7 Years. This is true, but what most people don’t know is that there are programs out there that only review the last 12 months worth of credit! They totally disregard ANY late payments before that, even mortgage payments! But you better know who.

3. 125% Home Equity Loans. You see ads for them all over the television. What most don’t know is that they are NEW, and VERY MISUNDERSTOOD. Most financial planners and CPA’s don’t understand how these loans work. I do! And I can teach you to understand them and determine if it’s the right option for you.

4. Don’t Refinance If You Can’t Drop Your Rate At Least Two Percent. Simply put...NOT TRUE!!! Debt has become much more complicated than a mortgage and possibly a car payment. This rule may have worked ten years ago, but nowadays, it’s just one of over a hundred reasons why we should refinance now more than ever.

5. New SPECIAL Low Rate Credit Cards Are A Disaster. This is why.Many people pay off one card with one of these new ones, but then still have the need to charge on the old one. Your Credit Score is calculated many different ways, but one of them is the ratio of availabale credit ti credit balance. A high ratio may lower your credit score. Also these teaser rates go up after just a few months. Then you’re right back where you were, or worse.  As a result, they now have two credit cards with balances, resulting in more debt than they had originally with just the one higher-rate card. And it can still take you over 30 years to pay off a credit card with an average balance of $3900 if you make the minimum payment every month. Also, interest rates can go up on these offers if you make late payments. What a deal, huh? I do not encourage credit cards at any interest rate. Your bank doesn’t want you to pay them off (they’re BIG money makers for them).

6. It Doesn’t Take Money To Save Money. You can start toward becoming debt free without taking one cent out of your pocket. Most loans require out-of-pocket fees, up front. But there are plenty that don’t!

8. Anyone Can Accelerate Their Mortgage Payments...And This Equals Saving Lots of $$$. Just think, if you can save a couple hundred of dollars per month by consolidating your bills through refinancing your mortgage, you can then take that savings and get out of debt even faster by “accelerating” your payments. I can show you how. Fewer than 1 in a 100 ever take advantage of this incredible money-saving technique because they don’t have extra money leftover after paying bills each month. Well, if I can save you money by helping you consolidate, I’ve just increased your income...and now you have a little extra to help you along the way! I can show you how whatever extra money you can pay on your debts will shave years off of the payback and save you thousands! In turn this savings can be used for you to earn interest, instead of you paying interest.

9. You Can Be Debt-Free By The Time You Retire. You can even have a retirement savings plan set up with the money you will be saving each month. Let me “help you help yourself” and your loved ones enjoy what should be the “best years of your life.” Retire with money, not bills and a job search.

10. You NEVER Have To Be In This Situation Again. Let me show you how you can:

a. Pay off and toss your credit cards in the back of the sock drawer forever!

b. Utilize one bank draft card for convenience sake

c. Keep one credit card for emergencies

d. Accelerate your payments from money your loan frees up

e. Take advantage of rate reduction opportunities with your new mortgage

company if rates drop in the future

f. Pay off your car

g. Have extra cash in your hand IMMEDIATELY

h. Have savings in the bank

i. Have your mortgage term shortened (Equals SAVINGS)

j. Lower your interest rate on your mortgage

k. Cut your outgo in half or more

l. Skip next month’s bills

m. Have no more sleepless nights worrying about how to pay your bills

Now, You Might Have Some Questions Of Your Own. Here Are A few Questions I Had On My Mind When I First Discovered This Opportunity To “Escape The Debt Rat Race”...

How Do I Qualify? If you own a home, the first thing we do is determine what it’s worth. There are both equity and no equity programs. Let’s see where you fit. Don’t let this one fool you. You may think your house is worth less than it really is, especially if you’ve lived in it a long time. Complete the Basic pre approval at the end of this report or call my office and I’ll do a quick market analysis for you. It’s free! You can’t determine the value of your home by the tax assessment. It’s almost always way low or over-assessed.

The number of years you have been paying cannot determine your equity. If you have a 30 year loan and you’ve been paying 10 years or more, the chances are you owe less than half the value of your home. Inflation may increase the value and unless you keep up with it, you really won’t know your true equity until you call and get a free market analysis.

Credit and income will also be analyzed. We look at where you are the strongest and work with that to get your loan approved fast.

How Long Does It Take? Most loans can close within 15 business days. The loans I have found to fit the majority’s needs require less paperwork, and are far less time-consuming than the ones you might find at a bank. It simply doesn’t take long. The biggest time guzzler is generally the homeowner himself...procrastination, laziness, failing to get the necessary documentation together...these are usually what prolongs the process. Ninety percent of every dollar you pay on your bills goes toward interest. Let’s hurry so we don’t pay it anymore! Keep reading to find out the different options you have to expedite getting pre-approved for a “Get Debt Free” loan. Once we have the basic facts and have verified the property value, we order funds and set up a closing. The whole process usually doesn’t take any longer than two weeks.

How Much Does It Cost? The cost is really next to nothing because if you don’t do this, you will end up paying more than you think. There is no simple answer I can give you on cost because it’s on a case by case basis, and it depends on the source of the funds and the type of loan. Yes, depending on your equity and credit situation, the rates may be higher than the bank is charging, but not unreasonable. I think you’ll discover the rates are fair, especially since our loans are easier to qualify for. We can even tell you how to possibly get your rate lowered in the future, depending on how you pay your new loan.

In many cases we’re able to get lower rates for those borrowers who can minimally qualify. In ALL cases we will work to get you our absolute best possible program that comfortably fits your needs.

By the way, there will never be any up front fee, and you’ll never pay me a nickel if I can’t get you a loan. I only get paid if I produce. That’s why I’m on your side. All our charges are deducted from the loan and you’ll receive a cost sheet upon application (later in this letter are some SPECIAL Bonus offers to save you even more money). No secrets and no hidden charges. Once I have the facts surrounding your situation, I’ll know the costs and so will you. No surprises!!! PROMISE!

Hurry, ACT NOW. Let’s try to skip next month’s bills. YOU keep your hard-earned dollars. Not them, YOU!

You Pay Nothing Up Front

And You Owe Nothing Until You Get What You Want

...And You Must Be Satisfied, If Not,

Just Say, NO!