Mortgage Loan Tips | Mortgage Tips

Mortgage Mortgage Suggestions | Mortgage Suggestions



yr hundreds of thousands of individuals screw up the mortgage purchasing course of.

They get the incorrect loan on the incorrect value and pay for it

dearly till they’re outdated and grey. 

Here is

what I imply…

For those who overpay for the

home, you’re going to get stung for some dollars and be taught a beneficial

lesson. For those who overpay for the mortgage in rates of interest, factors,

charges or different prices, you’ll pay on your errors EVERY month for

the subsequent 30 years! 


All people worries a lot about the home that no one ever provides

very a lot thought to the loan. 

It is

the loan that prices you month after month – not the home. But

nearly no one provides greater than a passing thought to the financing!


Once I protested over the outrageous fees some bankers have been

bilking out of unsuspecting debtors I had a supervisor inform me there

was a code of silence amongst mortgage folks about all the additional charges

and factors – his precise phrases have been “honor amongst thieves.” 


I say “No Extra!”


I am getting means forward of myself…

Ex-Mortgage Banker

breaks “Code of Silence”

Whether or not

it is a new loan, refinancing or a house fairness loan –  I’m

going to take you by the hand and train you step-by-step find out how to get

a mortgage loan with out getting ripped off in rate of interest, factors

and “junk charges”… then I will present you find out how to handle that

loan and all of the insurance coverage and tax prices so the loan truly units

you free financially! 


that is a tall order and I do know you are most likely skeptical. That is regular and wholesome. Let me offer you three

good causes I can returned up what I declare:


do you have to hearken to me?


one: Do you know that many mortgage brokers can

(and can) cost you a lot additional in factors an charges that they really

make more cash than the realtors — who cost 6%!?!

As a ten+ yr veteran of the mortgage

and actual property enterprise I’ve seen issues that will make most individuals roll their eyes returned of their head in whole

disgust! I’ve seen mortgage brokers cost patrons extra factors than obligatory simply to make a better fee. 


however true……

Patrons and owners similar to YOU being

charged Hundreds of {dollars} additional due to

their ignorance! 

Individuals similar to your neighbors have been taken benefit of as a result of they simply did not know any higher! 

I obtained into the mortgage enterprise to assist folks… to not reap the benefits of them. I obtained so steamed up about it I made a decision to actually go on a campaign and do one thing about it. 

That is why I

developed my program “The TEN Soiled Little Secrets and techniquesTM of Mortgage Financing” – I obtained sick

and uninterested in seeing folks similar to my very own mom and father get taken to the cleaners by unscrupulous dollars lenders!


two: The teachings and strategies you be taught come straight from

the entrance traces of the mortgage enterprise. Somebody who has truly

been there… an ‘insider’… teaches you the details shortly and

simply so you possibly can take motion!

Having labored within the mega market of Miami, Florida in addition to within the upscale neighborhood of Williamsburg,

Virginia – I’ve seen over 1000 actual property, refinancing and mortgage transactions get to the closing desk… I’ve

seen and financed with each kind of loan conceivable – VA, FHA, Typical, JUMBO,

A.R.M.’s, Step, Bridge, 3-5-7-10 Balloon, 100% financing, 125% financing, Proprietor Financing, Reverse mortgages… I’ve BEEN THERE – DONE THAT and

introduced residence the T-shirt! 


data on this program has helped actually THOUSANDS of individuals

similar to you to know, consider and train their BEST OPTIONS in getting a mortgage loan and shopping for a house! 


get all my expertise from hundreds of thousands of transactions boiled down

into one, simple-to-understand, simple to make use of program for getting

nearly the lowest mortgage fee with the lowest factors

and charges doable within the present market. 


you might be in any respect intimidated or uncertain concerning the mortgage course of – if

you do not appreciate find out how to consider your choices in getting a mortgage

loan this program will make it easier to really feel snug that you’re making one of the best choices for

your self and – extra importantly – your loved ones’s long-term monetary well-being!


three: It does not matter what kind of loan

you get… this data works !

Whether or not

you might be re-financing, getting a house fairness loan or shopping for a model

new home… I haven’t got something to realize financially by which

mortgage choice you select because of my recommendation on this program. 


at all times one thing that ticked me off about some mortgage


Even when it wasn’t accomplished consciously

their recommendation at all times appeared to return returned to the speed and factors that will

make them probably the most dollars – not what was greatest for the consumer! 

Packing on the

factors or padding the

rates of interest as a result of the customer or residence proprietor supposedly has “dangerous” credit score or “an excessive amount of debt” or “is a poor threat” is nearly widespread follow.


another factor…


the buzzword round mortgages is “credit score scoring” – a

quantity that charges your general monetary “worthiness” to

get a loan. Some lenders require sure scores with a purpose to get the

greatest rates of interest… however some use these scores as an excuse to cost

you much more dollars in factors and curiosity for causes that no one with out a pc science diploma might appreciate!! 

As a result of

of this and different pitfalls… you have to be taught the secrets and techniques revealed in

my wonderful and surprising program – 


TEN Soiled Little Secrets and techniquesTM 
of Mortgage Financing

Right here

is a abstract of the improbable advantages you obtain

on this breakthrough mortgage program

  • The Seven (7) most vital inquiries to ask any lender.
    • Study to ask the questions that put lenders on the spot and retains them from utilizing “smoke and mirrors” to confuse you into spending extra money. 

  • Easy however very highly effective methods to keep away from overpaying tens-of-thousands an excessive amount of in mortgage curiosity.

    • Hold extra money in your pocket and out of the financial institution’s

      fingers over the long-haul… until you like giving all of your dollars to the financial institution. 

  • Study probably the most VALUABLE negotiating device you will have as a purchaser.
    • Have the identical electricity in negotiations as a purchaser who’s paying CASH. By taking this step you’ll ALWAYS negotiate from a place of POWER with any agent or realtor you cope with.
  • How

    to keep away from being rushed by a lender into making a loan alternative it’s possible you’ll remorse for

    the remainder of your life.

    • Most

      lenders need you to make up your thoughts and lock in your fee so you will not

      store round on them. They’re motivated to make you “hurry up”

      so you possibly can’t go anyplace else together with your loan. Learn to keep away from this

      widespread follow.

  • select a motivated lender as an alternative of the “loan shark” or the

    “conventional banker”.

    • Study to

      shortly determine which lenders wish to lend dollars at aggressive charges and

      which of them both wish to bilk you out of each final cent or might care

      much less whether or not your loan ever closes!

  • Are you aware

    how a lot is the appropriate downpayment for you?

    • The reply

      might shock you whenever you learn how varied downpayment quantities have an effect on

      your month-to-month fee AND the non-public mortgage insurance coverage you pay!

  • save

    $10,000’s in unnecessary curiosity when you do get a loan.

    • Making your

      funds the best way the financial institution desires you to will depart you lifeless or lifeless broke

      on the finish of 30 years. This straightforward approach will prevent BIG in additional

      curiosity funds you will not must make. Better of all – it is utterly

      authorized if you know the way to do it!

  • Why making

    choices emotionally can hang-out your retirement years.

    • I will information

      you step-by-step by the mortgage course of so that you make choices primarily based

      on truth and never feelings. By the point I get accomplished with you – you will

      most likely know as a lot or extra about mortgage loans because the banker sitting

      throughout the desk from you!

  • Why getting

    Pre-Certified for a loan is not definitely worth the paper it is printed on!

    • Most

      lenders, bankers and realtors will inform you to go get pre-qualified – however

      that is likely one of the greatest errors you may make. For those who go get

      pre-qualified you would possibly as good simply hand over your pockets to the banker

      and say “Right here, take all my dollars at closing!”

  • I will present

    you the appropriate means to buy a mortgage loan and precisely what inquiries to


    • Why

      purchasing for a loan simply on the idea of rate of interest and

      “factors” can kill you financially. Most individuals simply name a couple of

      banks and ask what the speed a factors are… however should you do that you would possibly

      as good step out within the street and get hit by a truck. 

  • evaluate one lender’s mortgage provide towards one other’s!

    • Most

      lenders don’t need you to have the ability to evaluate apples to apples with one other

      lender. They slide in charges, factors, and different prices like hustlers on

      avenue corners. I will present you find out how to evaluate “apples to apples”

      between lenders so you possibly can simply select one of the best deal!

  • Absolutely the

    “bullet-proof” means to decide on which kind of mortgage loan is true

    for you!

    • I will information

      you thru the method of figuring out which kind of loan is greatest for you.

      Fastened, Adjustable, Step, Balloon… it does not matter. I will present you

      precisely how to decide on primarily based on your wants – not the lender’s!

  • The one

    query to ask your accountant so the tax advantages out of your loan comes

    instantly… not subsequent yr!

    • You could possibly

      be making an interest-free loan to Uncle Sam with all of the tax financial savings from

      your loan. I will present you find out how to work together with your accountant so you possibly can take pleasure in

      that financial savings NOW!

  • Absolutely the

    “crime” of paying in your 30 yr loan for 15 years solely to search out

    you have paid off lower than 25% of the principal – and what to do about it

    (moreover get mad)!

    • Most individuals

      by no means cease to think about how they pay the loan… they simply make the

      funds each month. Nonetheless, when you see one other solution to pay your loan

      you will by no means return to the “outdated” means once more. 


you are most likely questioning how and why I can do all these issues.


me clarify…


the The TEN Soiled Little Secrets and techniquesTM of Mortgage Financing

you get an hour and a half audio seminar that teaches you:

  • how

    to get the bottom fee mortgage for the bottom charges and factors

    within the present market…

  • how

    to cope with lenders…

  • all

    the questions it’s essential ask them…

  • how

    to decide on the appropriate mortgage program…

  • how

    to match prices…

  • the

    choices it’s essential make…

  • the

    issues you’ll face…

  • and an entire lot extra!


addition to the hour and a half audio seminar the place I information you step-by-step by your entire course of and level out all of the potential

pitfalls it’s possible you’ll encounter – You additionally get a the handbook packed

and to the purpose with workout routines, examples and illustrations of

the factors it’s essential appreciate and contemplate in getting the bottom

fee loan for the bottom charges and factors accessible within the present



workbook, the software program, and the 90 minute seminar are downloaded digitally from the Web

– so there isn’t any ready – you could possibly be benefiting from this

breakthrough program inside 5 minutes! 

I may even assure that you just

a number of unbelievable Bonuses at no

additional value should you act NOW!


on that in a second – however first you need to learn

what our clients must say….


obtained our loan in two days and I KNOW we obtained one of the best fee and phrases

doable – as a result of they have been decrease than 3 different lenders advised me I

might get. I even had the loan officer inform me he had by no means had a

borrower ask him these questions and praise me about how a lot I

knew. He truly requested me if I might been

within the mortgage enterprise!”
A. Goss, Williamsburg, VA


solely unfavorable about this system is that most individuals won’t ever

understand how a lot they wanted it till it’s too late! Most individuals

will go proper over it – and a few day look returned and need that they had

purchased this system. I have been constructing and financing homes for 40

years and I’ve by no means seen such a transparent and concise clarification of

the appropriate solution to get a loan and keep away from all of the tips I’ve seen

bankers pull over time. Anyone who’s even enthusiastic about

getting a loan higher purchase this program as quick as they’ll.”
E. Cassilly, Actual Property Developer, South Florida


have used the methods on this program to save lots of 10,000’s in

curiosity alone mortgage. I realized issues I had no clue about

and will kick myself trying returned. First time patrons and anybody who

looks like they obtained screwed on their final loan ought to get this

program. Accountants and engineers particularly will prefer it as a result of

it has a lot nice data in a compact and full format!”
G. Gilley, Toano, VA


have purchased, bought and financed dozens of homes as an investor. I

can say indisputably that simply a few of these methods would

have saved me the hundreds of thousands of {dollars} I clearly wasted over the

final 25 years! I’ll by no means purchase or finance a home once more with out

first reviewing Jim’s program so all of his wonderful suggestions and

recommendation are contemporary on my thoughts and on the tip of my tongue once I begin

coping with these bankers.” 

H. Kelly, Actual Property Investor, Williamsburg, VA


Do NOT get a mortgage until you

KNOW the reply 
to ALL of those questions…


is a whole lot of confusion surrounding mortgages and actual property


I wish to offer you 6

questions you completely, positively should have the reply to earlier than you

join any kind of mortgage:

Earlier than

you go over this program evenly as one thing you do not actually

want or haven’t got time for… ask your self these six


  1. Do

    you know the way to inform if a mortgage dealer is telling you a fee over

    the cellphone simply to entice you into their workplace… or can they actually ship

    what they promise?

  2. Do

    you know the way to match varied lender’s presents “apples to

    apples” or are you on the mercy of people that know greater than

    you do — and who need you to spend your dollars?

  3. Do

    you recognize precisely what to do with a purpose to reduce 10-12 years of curiosity

    off your mortgage – safely, legally and with out even respiratory onerous?

  4. Do

    you know the way to cancel paying PMI? (Do you even know what “PMI”


  5. Do

    you recognize why getting “pre-qualified” is only a waste

    of time… and may truly harm your capacity to barter with a


  6. Do

    you recognize the 7 inquiries to ask any lender to ensure they are not

    simply utilizing “smoke and mirrors” to get you into their workplace

    to allow them to “get you down on paper”?


get a minimum of 10 instances your dollars’s price!


can you set a worth on this essential details about the appropriate means

to get a mortgage loan and never make a mistake? 


take a look at the BIG image… 


at right now’s rates of interest you’ll most likely spend a minimum of $100,000

in mortgage curiosity over the lifetime of the loan – to not point out the

unique principal it’s a must to pay returned. 

You will

most probably spend between $2,500 – $6,000 in closing prices in your


You will

most likely spend $700 – $1,600 in “pre-paids” – taxes, insurance coverage,


You will

shell out $275 – $350 in credit score report and appraisal charges. 


inform me… 

How a lot is it price to you to spend all that cash with

100% assurance and peace of thoughts that every thing goes as deliberate

and you are not paying a dime greater than it’s a must to? 


a lot is that price to you?


abstract, this is what you get:

  • Instantaneous

    entry to this wonderful data – no ready for the mail!

  • The

    full The TEN Soiled Little Secrets and techniquesTM of Mortgage Financing

    handbook to obtain plus some nice BONUSES for performing


  • You

    get the hour and a half seminar accessed on-line … assured to show you right into a “pit bull” mortgage shopper! And

    by the best way – don’t be concerned about listening to the tape on-line…

    it is as simple as listening to mp3 music! – my grandmother can

    even do it.


instantly and obtain the next unbelievable bonuses


I do know it is 100% to your profit to behave instantly, I wish to

sweeten the pot and offer you each doable purpose to say YES right now!

For those who reply instantly, you will additionally obtain the next



Bonus one:


Actual Property Calculator Software program Package deal – this software program

calculates funds for varied rates of interest, loan amortizations,

bi-weekly funds, “Good Religion” closing value estimates,

refinance financial savings calculators and extra! 

Comparable software program packages promote for as a lot as $69.95 – however this

power-packed, easy-to-use software program package deal is yours free only for

giving our program a strive Threat-Free for 60 days! 


Bonus two:


Secret: Cancel PMI – moreover taxes and

insurance coverage, PMI is the biggest month-to-month expense most individuals have on

their month-to-month fee (between $300 and $1,200 per yr on a standard

loan). I will present you precisely find out how to safely and legally cancel

paying PMI as quick as doable – think about what you could possibly do with all

the cash you’ll save.


Bonus three:


Secret: get the lender to pay some or ALL of your

closing prices– That is proper – I will present you find out how to get the

lender to pay some or your entire closing prices so you do not have to

pay a lot money at closing! Think about – some lenders have supplied

loans the place the entire closing prices solely come to $99 or much less!


Bonus 4:


my BONUS SECRETS, together with: 

  • House

    Warranties – Insurance coverage price Shopping for

  • No-Value

    Refinances – Quick-term heaven… or long-term hell!

  • Clear

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    Restore” firms

  • Your

    “Credit score Rating”… What’s it? How can it harm or assist



cannot lose with my 100%,
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the best way, these bonuses are yours to maintain even within the unlikely occasion

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threat is all on MY shoulders! 


satisfaction is assured by our no threat, you-can’t-lose, 100%,

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purpose, you are not thrilled and glad with our product, simply

ship us an e mail inside 60 days and we’ll refund 100% of your

buy value. No onerous emotions!

Do not

determine now! 


I am saying is do not determine now if this system is for you. Simply get

it and check out it out risk-free for 60 days. If it does not do

every thing I say and extra… 

  • if

    it does not present you precisely find out how to get the bottom rate of interest

    for the bottom factors and charges…

  • if

    it does not take you by the hand and stroll you step-by-step

    by negotiating with lenders…

  • if

    it does not train you precisely which inquiries to ask to maintain from

    getting bilked out of pointless factors and charges…

  • if

    it does not present you precisely find out how to shave years and tens of

    hundreds of thousands of {dollars} in curiosity funds off your mortgage

  • if

    it does not flip you right into a assured “pit bull”

    mortgage shopper 

then I do not need your dollars! 

I will

offer you each penny of your buy value returned. You don’t have anything

to fret about!


the very least you get the free software program that is price greater than your

buy value… on the very least you get particular studies that may

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you see – any means you take a look at it you are about to be a winner!


this is one of the best half – I’ll let you will have all this for less than $79



can I promote it for OVER 50% off? – As a result of I do not must ship

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Here is

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Top Loan Mortgage -Top Loan Mortgage -Top Loan Mortgage -Top Loan Mortgage -


your success,

Top Loan Mortgage -
Jim Edwards, Writer
The TEN Soiled Little Secrets and techniquesTM of Mortgage Financing

“Promoting Your House Alone”



If you’re going to make a loan utility quickly – will

you be ready… or will you simply “wing it”? Do not

take an opportunity together with your monetary future. Get this program, learn

it and use it to get the peace of thoughts that you just obtained one of the best

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I’ll solely assure to carry the particular $39 value for the

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Any time previous that I might change my thoughts and put

the value returned as much as $79… so act now!

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