Tuesday, December 30, 2008

Learn how YOU can get the Best Mortgage with the lowest rates,even if you have horrible credits

Discover the insider secrets the banks don't want you to know...

Are you tired of being turned down for a mortgage?

Are you told that you can't get a mortgage because of bad credit?

Do you feel like no one will ever give you a mortgage?

Are you sick of your bad credit score haunting you?

Well, get ready to Put all that behind you. I'm going to show you exactly how anyone, with any credit, can get any mortgage - right now! And best of all, these methods work in any state. And...

  • It doesn't matter how much money you make.

  • It doesn't matter how much money you have in the bank.

  • It doesn't matter how young or old you are.

  • It doesn't matter if you have a job, or are self employed.

  • It doesn't matter what type of property you want: house, condo, mobile home, whatever.

A few years ago I personally was refused a mortgage many times, due to bad credit, and being told that I didn't make enough money.
I too, used to feel like I'd never be approved for a mortgage by anyone.
I was dead wrong!

Every mortgage company out there either told me that I had really bad credit, or no credit at all. I didn't even have any credit score at all. You know, that cute little 3 digit number that everyone uses to see if you're "worthy" enough for their loan. I probably couldn't have got a loan for a can of soda if I tried.

Not Until I Met These Guys...

I got a job at a private mortgage company. My views of mortgages, credit and finance were about to change - big time.

This wasn't your typical stuffy, boring, old lady banking type of company - These were young professionals who had a great time doing what they did. And they made lots of money doing it. They were getting loans for people like me.
I quickly realized that they obviously knew what they were doing.

They taught me the real in's and out's of the bad credit mortgage business. The little known, no holds barred, guerilla finance methods used by real estate pros.

I also learned the truth:

I found out how many people are being flat out lied to by their lenders. Even the "perfect people" with great credit, that think they've got a great mortgage - that couldn't be further from the truth!

Even if they tell you that they can give you a bad credit mortgage - you'll get ripped off! Hell, even if you already have a mortgage - chances are you're being ripped off!

Unfortunately, big banks and mortgage companies are making huge profits off of you, and either telling you that you just can't get a mortgage with bad credit, or giving you their pathetic offer - and telling you that it's the best deal you'll ever get. People with bad credit are either told that they can't get a loan, or that they'll only get a loan with high interest rates - that's a flat out lie! The fact is - if you have bad credit, you'll be taken advantage of by greedy banks and lenders.

That is, unless you know the secret...

I found out how Anyone, from Anywhere with Any Credit Score can get Killer Deals on Any Mortgage.

I've helped countless people get the lowest rates and low down payments on all kinds of Mortgages: Home Purchases, Refinances, Home Equity Loans - you name it. I've also helped people with bad credit (even horrible credit) get mortgage rates lower then people with good credit!

" I was turned down for a home loan several times in 2 or 3 years and even tried all the online loan companies on TV, all with no luck. Since I tried the first method of yours, I've gotten 5 really good offers to choose from.

I really had given up on home ownership until I got your info. Thanks for the great tips and advice. "

Matt D.
Louisville, KY

The fact is, although these deals are available to anyone - most people are just getting lied to or ripped off by banks and mortgage companies!

I've spent years in the mortgage business, and what I learned Shocked me:

First... It disgusted me at how many people think they're getting a good deal on a loan - when they're really just getting taken advantage of. And, how so many Americans could easily get a great mortgage with bad credit, but they just don't know how to do it.

Then... It opened my eyes to how mislead people are when thinking about home loans! We've all been told the same nonsense over and over, and lead to believe that "that's just how things are" from people, who were just told the same garbage by other people. Most the commonly accepted "facts" that people think they know, haven't been true for 20 years!

" Hi, just a quick email to say thanks for your incredible program. It's got to be one of the most complete systems I've ever come across. Your clear, step by step directions are really easy. Anyone who follows them is sure to get any loan they want in the future.

By the way, my credit score went from about a 300 to 650 in only a couple of months.

Keep up the great work."

James M.
Albany, NY

Why you NEED this information if you want a mortgage:

At first, even as an experienced mortgage professional, I didn't know these methods. Once I finally became aware of the inside workings of the mortgage industry, It blew me away! How anyone, in any state, with any credit can get a great mortgage deal with No hidden costs, fees or otherwise.

If you want a mortgage, or don't think you can get one - you'll be shocked at how easy it is for you to get the best deals anywhere! Even if you have a mortgage, you'll refinance within minutes of learning these secrets.

I don't care if your credit rating is horrible - You can get the mortgage you want within minutes of reading this information!

Free Bonus...

I'll even throw in my Fast & Easy Credit Repair Secrets (a $40 Value) - Absolutely Free! It contains all the insider credit repair tips and tricks used by Professional, Leading Credit Repair Industry Specialists who charge $1000's to their clients to repair their credit - using these same methods!

You will learn:

  • The completely free web sites that anyone can use to start fixing their credit - right this minute.
  • Why credit card companies rate people with certain bad habits better then people with perfect credit histories
  • How to fight and win against bad marks on your credit score
  • How to literally settle debts for pennies on the dollar - for real!
  • And much more...

    It includes all of the best ways to erase bad credit, and start building great credit - Fast and Easy!

    Let's Be Real...

    The cost of my program is a ridiculously low price of just $7! Why so cheap? - Because I just want to pay the costs for this web site and break the deadly silence that's getting millions of americans ripped off on their mortgages everyday! Plus. I even offer a 8 week money back guarantee to anyone who orders, no questions asked.

    Honestly, $7 is a ridiculously low price for this life-changing information. I feel like I'm practically giving my secret methods away. That is why I reserve the right to increase this price at any time. I have sold my program very successfully at $90, so don't be surprised if you return later and see it back at full price. Compared to the useless mortgage info that I've seen out there, mine is an extremely low price for a program that is far superior.

    Order Now and You'll get Mortgage Secrets Exposed AND Fast & Easy Credit Repair Secrets - As instant downloads that you can put to work for you Right Now for Only $7!

    Take control of your mortgage, your finances and your life, Click here


  • Mortgage Savings Without Refinancing?

    Before you send another hard-earned penny to your bank, there are some secrets about the lending game that you need to know.

    • Your banker knows these secrets.
    • Successful investors know these secrets.
    • The wealthiest people in your city know these secrets.

    It’s time that you know them too. It’s true - without making extra payments or refinancing – just by learning how to use your existing assets to your advantage – you can save tens of thousands of dollars on what pay for your home. You could possibly even save hundreds of thousands of dollars, and put that money into investments that build your wealth – not the bank's.

    “Attention Homeowner: Save Tens of Thousands of Dollars on Your Mortgage -- Without Extra Payments or Refinancing!”

    Instead of Giving Your Banker Thousands That You Don’t Have to, Why Not Instead Use the Money to . . .
    • Buy a second home?
    • Travel the world?
    • Plan an early retirement?
    • Send your children - or grandchildren - to college?
    • Build your own wealth?

    “Lin and John provide a powerful, step-by-step system for saving anyone with a home mortgage tens to hundreds of thousands of dollars in interest without putting a cramp on their lifestyle. I have been a very active real estate investor for the past ten years, and the method they describe is unlike any other for creating equity in your home by applying simple, sound principles. I am strongly recommending this book to my friends and anyone who wants save serious money instead of giving it to their lender.”

    Scott Nachatilo, Investor, Author
    Weekend Warrior’s Guide to Real Estate

    This Information is For Homeowners

    This financial instrument we used to get into our first home, was designed for homeowners. And, frankly, I'd have no problem telling you what it is -

    Many homeowners are already familiar with the product and they use it for things like home improvements, consolidating debt, sending the kids to summer camp – whatever.

    Primarily it’s used as a debt instrument – a way to get cash to deal with life, that ends up putting homeowners into more debt.

    And that's why I'm not going to reveal this loan instrument right here, right now. Because it isn't the "the instrument" that really matters - it's how to use it.

    Although it’s nice to have money available to squeeze out of a jam, isn’t it sad that people don’t realize that they could use the same financial product to pay off their mortgage – fast - and to begin accumulating wealth, so they don’t have to borrow money to take care of life’s little surprises?

    The Story of the Dumbfounded Bank Officer

    I attended a lunch meeting where I met my co-author. I knew some of the other people, but I didn’t know Lin.

    Lin Ennis, Writer and EntrepreneurThe ears of everyone at the table perked up when Lin started telling a story about something that happened at her bank.

    To be honest, I wasn’t really paying attention until I heard Lin say she was going pay off her house in eight years. That’s eight on a 30-year mortgage.

    For starters, the first information product I ever bought was a “mortgage reduction” system when I was only 19. I’d read many books on the subject over the years – even though I wasn’t a homeowner!

    When I heard Lin make this outrageous claim, I had to listen . . .

    Lin went in to sign up for a common financial product that banks love to push (because it makes them rich). The way most people use this financial product, they end up deeper in debt while the banks get richer.

    What piqued the banker’s interest was Lin’s explanation of how she was using the product to cut the 28 years remaining on her dream home to only 7 or 8 years. Lin said the banker was taking notes and when you learn our system, you’ll understand why!

    As Lin told it at lunch that day, “The bank officer crouched below the top of her cubicle wall so no one could see her, leaned across the desk toward me and whispered, ‘THIS IS BRILLIANT!’”

    Of course , I was skeptical. Who wouldn’t be?

    I already knew all about paying a mortgage bi-weekly, and other accelerated payment plans that could knock years off a mortgage – but I’d never heard anything like this.

    Bi-weekly payments and other accelerated payment methods work (did you get our free repot - top right - about biweekly warnings?) – and we’ll detail those techniques for you. All are approaches that are totally do-it-yourself - the way we outline them for you - so that you won’t have to spend a penny to have “an expert” set it up for you.

    Easy stuff.

    Anyway, what Lin was sharing was beyond anything I’d ever heard anyone talk about. She was saying, "Without paying extra."

    What??

    I can...

    • cut years off my mortgage
    • save thousands of dollars
    • build equity faster
    • all of this without making an extra payment or refinancing?

    INCONSPICUOUS
    ORDER LINK

    . . . and My Mortgage Broker Too!

    This sounded like a great strategy, but my skepticism lingered (and I lost a few thousand dollars while dragging my feet). I just needed to understand the process better. Since Lin and I weren’t really friends at the time – and she’s the only person I knew with this information – I had to wait for those weekly lunch meetings to learn more.

    And every time Lin saw me, she asked, Are you guys getting rich off your mortgage yet?

    No! And it was driving me crazy.

    I decided I had to know how to do this for myself – for my family — my wife and children. So I grabbed Lin and I insisted we not talk about anything else until I understood this process fully. Even though she’d always said it was simple, I couldn’t believe it could be simple and easy as it was!

    .

    “Lin and John have put together a solid blueprint for people to move from ordinary mortgage holders to home owners with Extraordinary Wealth Potential. This information is straightforward, down to earth truth. You can bet your bottom dollar I will be sharing it with everyone…I come in contact with nationwide. “

    A. Troy Dooly, Chief Solutions Officer
    D.B.R. Marketing Group, Inc.

    After I Learned her Secret and Understood
    How to Do It,
    I Still Wondered “Why isn’t everyone doing this?”

    Finally, I went to my loan officer, a personal friend, and explained the entire system Lin had set out for me (in the manual you have an opportunity to claim).

    He had never heard of it! What? @#$%?

    What I was explaining was completely news to him. I almost wondered whether I had gotten it right, because he’s been in the business a long time, with hundreds and hundreds of loans behind him.

    LightbulbWhen the light bulb went on for my friend, he slapped his desk with both hands and said, “This is brilliant!” He nearly burst out laughing. It was immediately so simple to him! (Good thing, because my palms were sweating.)

    What impressed me even more is that my buddy is also a successful real estate investor.

    He instantly saw this strategy as a way to pay off his mortgages quickly and build his own wealth faster with a product he sold every single day!

    A Visit with My In-Laws, Not So Bad . . .

    My wife’s parents came to town, accompanied by some old friends of theirs. Lou had retired after a career as a furniture salesman and his wife, Betty, works in a library.

    They own a home in Connecticut, a beach home in Rhode Island and they just bought a third home on the beach in Florida!

    A high-powered couple with big-time careers? Not! So how does an "average" couple own three homes—two of them enviable beachfront properties?

    They had done the some of the things Lin was talking about. And their wealth was growing exponentially.

    We Couldn’t NOT Create This Program for You

    After my wife and I started following Lin’s advice, it seemed like new insights into the lending game were occurring daily. We took our unique situation and began to see ways that we could leverage our assets more. Big chunks of money started falling off the mortgage debt we owed.

    Because I’m an obsessive learner, I started reading books on real estate finance (those books are thick, dry and expensive!). I absorbed the information, played with dozens of mind-bending formulas and was finally able to understand why this system worked so well.

    Finally, I picked up the phone and called Lin –

    “Lin – we need to create a program that tells people how to do this. How can we not help people when we know information like this?”

    She just laughed and said, “I thought I’d get this call a few months ago.”

    So, we got to work.

    Let Your Mortgage Make You Rich! is SO much fun to read and so irreverent, and because I know John, I know it is sound advice….You guys are a hoot and are giving us the secrets we need to live the lives we love. Great Work!!!!! “

    Kathleen M. Spike, MCC, CPCC
    Coaching Works, Inc., Portland OR

    The gory detailsLetting the Cat Out of the Bag

    Everyone we share this information with wants to know more. Even though it’s so very simple, people are hesitant because they feel they might make a mistake without it all written down exactly to follow.

    I was hesitant – and like I told you before,
    the delay cost me thousands of dollars.

    You need to get started on this immediately. And we want to make it easy for you to it. (If you do your best, and it doesn't work for you, we will enthusiastically - though not "happily" - give you your money back 100% when you purchase from this website.)

    We’ve crunched the numbers and created an entire step-by-step program so that you can start doing this for your financial future – for the financial future of your family. Our business advisors suggested we sell this program for at least $297. But wait...

    When you consider what this program can do for people financially, don’t you think we could easily sell this it to thousands of people for $297? (Another company currently sells something similar - with strings attached - for $3500) We’re revealing inside secrets of the lending game that could save people thousands of dollars and secure the financial futures of generations. $297 is a very small price to pay for that.

    However, Lin and I discussed at length how to price this program, and we decided that a mere $97 was fair. We both felt that price would make us feel we were really giving you a gift – without diminishing the value of what we have to offer. Enough that you'll read it, and small enough that you can afford it.

    This is highly valuable information that could have a profound impact on your financial future.

    PLUS - We have some great BONUSES
    you'll also download instantly!

    Bonus #1 - Think and Grow Rich

    We don't just want to help you save - we want to help you grow rich!

    If you asked me to recommend to you the single best book I have ever read, my answer would be a very definite "Think and Grow Rich."

    First published in 1937, this is the end product of two decades of research conducted by Napoleon Hill. His research started when Andrew Carnegie (the steel tycoon who was then the richest man on earth) gave him the assignment of organizing a Philosophy of Personal Achievement. Hill, who was a poor journalist, armed with just an introductory letter from Carnegie, set out to interview over five hundred successful people including Henry Ford, Thomas Edison, Alexander Graham Bell, John D. Rockefeller, George Eastman, William Wrigley Jr. and Charles M. Schwab. Hill then revealed the priceless wisdom of his research in the form of the thirteen steps to success (in Think and Grow Rich) and the seventeen principles of success (in courses and lectures he conducted).

    —Avinash Sharma, MBS Candidate, Toronto
    as submitted to Amazon.com

    Bonus #2 - Real Estate Secrets Exposed

    This book sheds light on the often mysterious and sometimes daunting world of real estate. With proper guidance and education, real estate can be a fun and lucrative adventure for you. This book explains some often confusing aspects of buying and selling real estate. And it exposes some of the tricks of the trade that real estate agents don’t want you to know.

    Real estate may be the most tangible asset into which you can invest your interest savings on your mortgage. It won't rise OR FALL as quickly as the stockmarket, and You know your neighborhood better than any "advisor" does.

    Bonus #3 - The Credit Repair Manual

    We want you to take advantage of credit and utilize it to make you money, not spend money. Whether you have damaged credit - or good credit - the higher your credit score, the better off you'll be.

    Here is just SOME of the information you will find inside:

    • What's a good credit score? And when should I start to worry?
    • How can you have marks against your credit even if you pay all your bills on time?
    • 3 ways to boost your credit score - besides paying your bills
    • 10 steps to protect yourself from identity thieves
    • When you should fear credit repair companies
    • ...and much, much more!

    Iron-Clad Guarantee

    Guaranteed!In accordance with policies of the merchant services provider (clickbank), this product is guaranteed to be as advertised and fully refundable for up to eight weeks, if not as expected. All concerns are first addressed by the extensive customer support (forum, phone, email) of the of the product developer (lin ennis, dba Soul business ventures). If you have concerns about purchasing this product, we invite you to talk with us tollfree before proceeding. It is our objective to not only satisfy but also thrill you with the value of this material.

    Let's briefly summarize what you get:

    • The Complete "Let Your Mortgage Make You Rich" Program, guaranteed to save you at least three times your purchase price in the first year or your money back.

    • Access to our Money Talk forum where you get all of your questions answered.

    • A copy of Think and Grow Rich, the most read and recommended book ever written on how to acquire great wealth.

    • Fix Your Own Credit - a comprehensive guide to repairing your damaged credit. Or, if you already have good credit you can make your credit scores great - and save even more on interest.

    • Real Estate Secrets Exposed - Written by a working real estate agent, this book sheds light on the often mysterious and sometimes daunting world of real estate. It will help give you a decided edge in any future real estate transactions you participate in.
    That's a lot of value
    and it's all available to you RIGHT NOW - even if it's 2 AM!
    click here for more info

    Sunday, December 14, 2008

    Zero Down Mortgage - Tips On Getting Approved

    Zero down home financing is about getting rid of the obstacle of closing costs. You can trade in your rent payment for a house payment without paying thousands at closing. Before you start enjoying the benefits of home ownership, make sure you follow these tips to get approved for the best rates.

    Check Your Credit Report

    Annually checking your credit report is a good idea, especially if you are applying for new credit. Make sure that all your information is correct. If there are mistakes, get them fixed. Otherwise, you could be paying thousands in interest charges.

    While looking at your accounts, keep your debt to a minimum. A high debt to income ratio can disqualify your for a zero down loan. Also make sure the debt you do have is spread over multiple accounts rather than maxing out one account.

    Increase Your Cash Reserves

    Cash reserves settle lender’s nerves. So you might consider liquidating stocks or other assets when applying for a mortgage. At a minimum, lenders like to see at least two month’s worth of payments as liquid assets. You do have the option of reinvesting those funds after the loan has been completed.

    Look For The Right Lender

    Not all lenders will look at your application in the same way. Each company has their own lending criteria. So start your search by requesting loan estimates from several financial institutions. You can start with a mortgage broker site or go directly to the lender.

    There are several definitions of zero down home financing. It could mean no down payment or a rolled in closing costs. There are even home loans with no closing costs. Check loan quotes and their fine print to find the financing that best meets your financial goals.

    Always Other Options

    There are other options to avoid a down payment. One option is to get two mortgages to finance your home’s purchase. The other option is to put money down, but then turn around and take out a home equity loan. This option usually helps you avoid paying PMI.

    Don’t rush into any mortgage. Research the numbers and choose what works best for you and your budget.

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