Replace Your Mortgage
|
|
- Kathryn Stevenson
- 8 years ago
- Views:
Transcription
1 Replace Your Mortgage The Proven 6-Step Method To Paying Off Your Home In 5-7 Years Using Just Your Current Income Michael Lush and David Dutton
2 Copyright 2015 by Michael Lush and David Dutton All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law. For permission requests, write to the publisher, addressed Attention: Permissions Coordinator, at the address below. Michael Lush and David Dutton - Replace Your Mortgage 4044 Sequoia Trail Spring Hill, TN Printed in the USA by MiniBuk.com Replace Your Mortgage -- 1st ed. ISBN
3 THIS BOOK IS A GIFT FROM:
4
5 After reading this book, we encourage you to go to and sign up for our FREE webinar that provides more detail about using the proven 6-step method to paying off your home in 5-7 years using just your current income. You owe it to yourself and your family to learn how to implement this method.
6
7 If people understood the banking system, there would be a revolution by morning. Henry Ford If you are like me, you have looked at your mortgage statement and seen how regularly making those monthly payments barely makes a dent in the principal balance. Ouch! I feel your pain. Fortunately, you are about to discover a proven 6-step method to paying off your home in 5-7 years using just your current income. This method is not on trial. The evidence is in, and it works! What is on trial is whether you will actually use this free information to set your family free from debt. { 1 }
8 ReplaceYourMortgage.com Who Is This Method For? { 2 }
9 This method is for A current homeowner or potential homeowner, specifically someone who does not want debt to dictate their flexibility. A current homeowner with 10% equity or a potential homeowner with a 10% down payment. While these figures are ideal, we have found several banks that do not require any equity! A person with at least a 640 credit score. Take note that this is a decent, not perfect, credit score. A person who is cash flow positive, meaning your income exceeds your expenses. If the above information describes you, why wait any longer to begin the 6-step method, which has worked for millions of others. This method is for you! { 3 }
10 ReplaceYourMortgage.com What Is This Method Not? { 4 }
11 This method is NOT An illegal scam or a trick. A HARP loan, Streamline refinance, nor any other traditional mortgage product. A tool reserved for the wealthiest among us. This method uses a little known financial product banks have had for decades called the home equity line of credit (HELOC). I have been in the mortgage business for 14 years and have originated thousands of mortgages. It was not, however, until a meeting with my mentor, 4 years ago, that I discovered the power of using a HELOC to pay off a home mortgage quicker. My mentor had several wealthy clients, who I wanted to meet in hopes of gaining their mortgage business. When I proposed my idea to my mentor, he shared something quite unexpected with me. { 5 }
12 ReplaceYourMortgage.com His wealthy clients did not have mortgages! Being wrong about the mortgages, I naturally assumed they had simply paid cash for their homes. Wrong again! These wealthy clients used lines of credit. The 6-step method explained in this book is the same strategy the wealthy use to pay off their homes faster than some people are able to pay off their cars. This 6-step method is not reserved for the wealthy. See, I used to chase low interest rates and low payments on long term loans like everyone else never getting anywhere. That was before I learned about the 6-step method. Now, my family and I are just eighteen months away from paying off our home! We did this without making more money, cashing out retirement or college funds, or sacrificing our lifestyle. We did this on just my current income, and you can too! Oh, and I did not invent this method. It has been around since { 6 }
13 Why Is This Method Not More Popular? { 7 }
14 ReplaceYourMortgage.com This method is not more popular simply because it is not profitable for banks! Let me give you an example. A 30 year mortgage on a $250,000 loan with a 4.5% interest rate will cost you $456, over the term of the loan. This total does not include closing costs or mortgage insurance. Also, it is unlikely your home will appreciate enough, even over 30 years, to actually be worth the $456, you will have paid to the bank. So, you see, if banks marketed a HELOC over a traditional mortgage, they would lose a lot of profit. Another shocking reason why this method is not popular is that most loan officers and bankers know nothing about it! Their low rate/long term institutionalized tunnel vision keeps them blinded to better alternatives. { 8 }
15 If the loan officers do not understand the benefits of a HELOC, how are they ever going to teach it to you? NOTE: Both David and I are mortgage lenders. While we know a HELOC is the best option, some individuals will not use the 6- step method for various reasons, whether they do not qualify or they believe that what we teach is simply too good to be true. Those still interested in a traditional mortgage should contact David Dutton at { 9 }
16 ReplaceYourMortgage.com The Solution? { 10 }
17 The Solution is simple You will use a HELOC to pay off your mortgage. Clients can usually do this in about one-third of the time. We have even seen some clients pay off their loans quicker than most people pay off their vehicles. Note: If you attend one of my classes, you will learn the exact type of HELOC to use along with my list of the 24 banks that offer these types of loans. Once you have your HELOC account setup, you will begin adding money to the account. You will then pay all of your bills from your HELOC account. Money in this account can be accessed at any time. See, unlike a traditional bank account where adding money raises your balance, any money remaining in the HELOC account after paying bills will drive down the daily balance owed, resulting in you paying less interest than you would with a traditional mortgage. { 11 }
18 ReplaceYourMortgage.com Some of the other advantages in using a HELOC include: no closing costs, which will save you at least $2,225, if not more; no mortgage insurance ever; and no down payment since some banks will offer 100% financing. { 12 }
19 How To Build A Real Estate Empire Using A HELOC { 13 }
20 ReplaceYourMortgage.com You can build a real estate empire by using this method to actually build wealth, not just paying off your loan more quickly. Imagine how much money you could invest if you did not have a mortgage payment. By using the Replace Your Mortgage 6-step method, you could own two homes free and clear by the time your neighbor pays off just one home. { 14 }
21 One option would be to use a HELOC to buy a vacation home then rent the home when you are not using it, which will help pay off the home even faster! Now you are getting paid to vacation in your own home! Powerful right? Are you seeing the opportunity? Remember, this is not magic, it is math. { 15 }
22 ReplaceYourMortgage.com Our free daily webinar provides the details on buying investment properties and how a HELOC can work with investing in general. Be sure and register for the free webinar by going to The daily webinar is designed for those interest in investing, but it is also the starting point for those who are not interested in building wealth but simply want to pay off their home in 5-7 years. { 16 }
23 What Should You Do Next? { 17 }
24 ReplaceYourMortgage.com Next, you get to decide whether to pursue this proven method of paying off debt or whether to pass and continue on as before. Do you remember the movie Indiana Jones? There is an iconic scene where Indiana needs to cross a massive canyon to get to the cave? The map showed him that he was in the right place, but to actually move forward, he had to have faith that there was a bridge for him to cross, despite it not being visible. You are in a similar situation right now. You are holding the map, and in front of you is a bridge that leads to greater financial freedom, but you have to have the faith to take that first step. { 18 }
25 Here are your options: Option 1: You can choose not to step onto the bridge. Maybe this all sounds good, but you just feel more comfortable paying the bank the equivalent of two homes instead of one. Option 2: You can choose to get more information on implementing the 6-step method and on attending my class. We offer a free webinar 7 days a week that you can attend from the comfort of your home, during which we dig into the details about HELOCs and the exact 6 steps to follow. Option 3: You can choose a free one-on-one discovery call to determine: how many months faster you will pay off your mortgage using the Replace Your Mortgage 6-step method vs a traditional mortgage; { 19 }
26 ReplaceYourMortgage.com whether this method will actually work for you personally by plugging in your own numbers; what your cash flow positivity is; how to increase your cash flow without increasing your income; and how to increase your credit score. To book a free discovery call, contact David at or visit us at { 20 }
27 Your Debt Free Date During your free one-on-one discovery call, we will crunch your own numbers to show you how many months it will take to become debtfree. Write your number in the blank below so it will remind you of the day that you achieve financial freedom. Your number: { 21 }
28 ReplaceYourMortgage.com After the free discovery call, if I see that you would benefit from having a HELOC instead of a traditional mortgage, I will provide you the details about our popular implementation class. As part of this class we will: walk you through the whole process; stay with you until you reach your goals; and show you where to get the right HELOC, how to structure it, and how to implement it. I hope you found this book helpful and you now have something to seriously think about. If you have any questions or comments, please do not hesitate to contact us at any time. We would love to answer your questions. We are passionate about helping families pay off their home in 5-7 years on just their current income. { 22 }
29 About The Authors { 23 }
30 ReplaceYourMortgage.com Michael Lush lives in Thompsons Station, TN along with his wife and two kids. He has spent fourteen years in the mortgage industry and has helped thousands of clients become homeowners. { 24 }
31 David Dutton lives in Spring Hill, TN along with his wife and daughter. The author of five books, David has owned and operated a successful marketing company for the last fifteen years. He became a loan officer after seeing the need for someone to help the selfemployed with their mortgage needs. { 25 }
READY TO REFI? A SIMPLE GUIDE TO REFINANCING YOUR HOME
READY TO REFI? A SIMPLE GUIDE TO REFINANCING YOUR HOME INTRODUCTION You ve had your home loan for a few years, but the rate you are currently paying is much higher than the near-historic low rates you
More informationWHAT IS A REVERSE MORTGAGE? HOW DOES IT WORK? REVERSE MORTGAGE PROCESS FREQUENTLY ASKED QUESTIONS WHY ONE REVERSE MORTGAGE MEET A FEW EXPERTS
1... WHAT S INSIDE WHAT IS A REVERSE MORTGAGE? HOW DOES IT WORK? REVERSE MORTGAGE PROCESS PROCESS DETAILS A FAMILY DECISION LOAN OPTIONS FREQUENTLY ASKED QUESTIONS WHY ONE REVERSE MORTGAGE MEET A FEW EXPERTS
More informationCredit Cards: Rules of Thumb
Name: Date: Credit Cards: Rules of Thumb Rule 1: Never carry a credit card balance. When you use your credit card to purchase items, you will receive a statement at the end of each month that will need
More informationMortgage Secrets. What the banks don t want you to know.
Mortgage Secrets What the banks don t want you to know. Copyright Notice: Copyright 2006 - All Rights Reserved Contents may not be shared or transmitted in any form, so don t even think about it. Trust
More information5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC
5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC Thank you for requesting this free report and taking steps toward your own financial
More informationUSING CREDIT WISELY AFTER BANKRUPTCY
USING CREDIT WISELY AFTER BANKRUPTCY Copyright April 2011, Legal Aid Society of Hawai`i All rights reserved. These materials may be reproduced. However, under no circumstances are persons receiving these
More information14 Options Every Home Owner Must Know When Faced With Foreclosure. By: Scott MacDonald
14 Options Every Home Owner Must Know When Faced With Foreclosure By: Scott MacDonald Foreclosure is affecting millions of Americans today. It can be a very frightening time for many families who do not
More informationBorrow Wisely with these Keys: Local servicing Pre-approvals Competitive interest rates Personal service Tailored loan programs*
Your Home Financing Process Checklist As you prepare to purchase a home or refinance your loan, it s important to know what to expect along the way. Here, we ve outlined some of the general steps in the
More informationHow to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1
How to Avoid The Five Biggest First-time Homebuyer Mistakes Mistake #1 Failure To Examine And Repair Any Credit Problems Prior To Applying For Your Loan Many potential new home buyers have no idea what
More informationEquity Release Guide. Helping you make the right decision. nationwide service all lenders available personal visits. www.therightequityrelease.co.
Equity Release Guide 0800 612 5749 www.therightequityrelease.co.uk Helping you make the right decision nationwide service all lenders available personal visits 1 Welcome to The Right Equity Release Who
More informationC o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h
R E V E R S E M O R T G A G E S E R V I C E S C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h 2010 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 6-10 From your
More informationOutstanding mortgage balance
Using Home Equity There are numerous benefits to owning your own home. Not only does it provide a place to live, where you can decorate as you want, but it also provides a source of wealth. Over time,
More informationStep 1: Decide to Buy
Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for
More informationK.4 Using Credit Wisely After Bankruptcy
Appx. K.4 K.4 Using Credit Wisely After Bankruptcy Beware of Credit Offers Aimed at Recent Bankruptcy Filers Disguised Reaffirmation Agreement Carefully read any credit card or other credit offer from
More informationYour Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13
R E V E R S E M O R T G A G E S O L U T I O N S Your Home s Equity Can Give Retirement Life a Boost 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 From your first savings
More informationWhat Will Keep Me From Getting A Mortgage Right Now?
What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep
More informationA GUIDE TO. reverse mortgages. Live the retirement you dreamed
A GUIDE TO reverse mortgages Live the retirement you dreamed Guide Content 14What Is A Reverse Mortgage? 24How Do I Qualify? 34 What Can A Reverse Mortgage Be Used For? 44How Much Money Could I Qualify
More informationBeing a Guarantor. Financial Series. in Alberta. What is a Guarantor? June 2011. Has someone you know asked you to be a Guarantor?
Financial Series June 2011 Being a Guarantor in Alberta Has someone you know asked you to be a Guarantor? Are you already a Guarantor and worried about what comes next, or what is already occurring? This
More information"Reverse Mortgages are a powerful tool to help eligible homeowners obtain
Dear Friend: Being a senior myself I am constantly looking for ways to improve my quality of life, have more liquid assets, reduce my cost of living and looking for ways to have passive income. My wife
More informationHow To Get A Reverse Mortgage
Frequently Asked Questions 1. What is a reverse mortgage? 2. How does a reverse mortgage differ from a home equity loan? 3. What are the advantages of a reverse mortgage? 4. How much money can I get? 5.
More informationForeclosure Options. Know Your Rights! Your Trusted Real Estate Resource
Foreclosure Options Know Your Rights! Kirk Russell Managing Broker John L. Scott Firm Kirkrussell@johnlscott.com 206.390.5640 Your Trusted Real Estate Resource If you re listed with a license Realtor,
More informationChanging the shape of British retirement. www.homewise.co.uk
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
More information2013 BUYERS GUIDE. KW Market Navigator
KW Market Navigator 2013 BUYERS GUIDE Am I ready to buy? How much can I afford? Where do I find homes? Why buy now? How s the market? Is there a right time to buy? What is this home worth in today s market?
More informationOver the last decade, Americans have been able to access credit too easily.
Over the last decade, Americans have been able to access credit too easily. Being able to borrow too much allowed many of us to make bad decisions decisions that led to painful consequences. Now, the business
More informationYour home financing process checklist
Your home financing process checklist As you prepare to purchase a home or refinance your loan, it s important to know what to expect along the way. Here, we ve outlined some of the general steps in the
More informationEDUCATIONAL BENEFITS GROUP Providing solutions to make college an affordable reality. Cash Flow Planning for College & Retirement
EDUCATIONAL BENEFITS GROUP Providing solutions to make college an affordable reality Cash Flow Planning for College & Retirement Table of Contents Cash Flow Planning for College & Retirement Introduction
More informationI Want To Sell My Home! What Are My Options?
I Want To Sell My Home! What Are My Options? Today over 25% of the homes in America have loan balances that exceed the home value. If you re one of them it s not your fault and you do have choices which
More informationThe. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503
The Path Refinancing totalmortgage.com 877-868-2503 www.totalmortgage.com October 1 2012 The Path Refinancing Over time, many things change and need adjustment, and the reality is your home financing is
More informationPERSONAL BANKING White Paper Series. Using Your Home Equity Wisely
White Paper Series Using Your Home Equity Wisely October 2013 If certain television commercials can be believed, your home s equity is the key to achieving all your wildest dreams. Simply tap in to that
More informationWE ARE MORTGAGE PLANNERS
WE ARE MORTGAGE PLANNERS Our Team has developed a special service called The Mortgage Concierge Program. Our application has been designed to simplify the mortgage process for you, while also helping you
More informationYour home financing process checklist
Darrin R Van Loo Home Mortgage Consultant Phone: 231-439-1119 Cell: 231-675-5833 Fax: 866-443-0471 3890 Charlevoix Ave, Suite 360 Petoskey, MI 49770 www.wfhm.com/wfhm/darrin-vanloo/index.page darrin.r.vanloo@wellsfargo.com
More informationEasy Surefire Guaranteed System To Win Every Time At Online Blackjack (only system in the world based on human greed)
Easy Surefire Guaranteed System To Win Every Time At Online Blackjack (only system in the world based on human greed) Brought to you by advantagegamingtools.com Page 1 WWW.DEALPLAYWIN.COM Hello fellow
More informationCredit is destroying the working men and women from all corners of the world. The credit schemes created by the banks have two purposes.
Bookmark this book or save it to your files. Credit is destroying the working men and women from all corners of the world. The credit schemes created by the banks have two purposes. To help the rich get
More informationLesson 2: Savings and Financial Institution Knowledge Making the Most of Your Money
Lesson 2: Savings and Financial Institution Knowledge Making the Most of Your Money All the materials and information included in this presentation is provided for educational and illustrative purposes
More informationVirtual Flips QUICK Start Guide
Virtual Flips QUICK Start Guide The Ultimate Virtual Real Estate wholesaling 7 step action plan By Christopher Seder Copyright 2014 VirtualFlips.com, and Christopherseder.com, All rights reserved. No part
More informationLife After Bankruptcy. By Jason Amerine
Life After Bankruptcy By Jason Amerine Bankruptcy: A Fresh Start for You Every day I have clients ask me about what life might be like after bankruptcy, and perhaps you re feeling that way, too. Sure,
More informationGuide to Homeowners Mortgage Support
Guide to Homeowners Mortgage Support This leaflet tells you about Homeowners Mortgage Support (HMS) and explains where to get more information. This leaflet explains: what Homeowners Mortgage Support is
More informationTHE OPTIMIZER HANDBOOK:
THE OPTIMIZER HANDBOOK: LEAD SCORING Section 1: What is Lead Scoring? Picture this: you re selling vehicles, and you have a list that features over two hundred different leads, but you re only allowed
More informationKnowledge to power the next generation
Knowledge to power the next generation Overview Financial Building Blocks is an online education system that helps people learn the basics of personal finance. Our system organizes personal finance into
More informationGuide to Homeowners Mortgage Support
Guide to Homeowners Mortgage Support This leaflet tells you about Homeowners Mortgage Support (HMS) and explains where to get more information. This leaflet explains: what Homeowners Mortgage Support is
More informationDebt Management Options
Get and Stay on Track Debt Management Options Where should you start? The first step to determine which debt management tool is best for you is to review your financial situation and your financial goals.
More informationSaving for a Residence or a Ride
Saving for a Residence or a Ride Tami Noll Russo, CPA, CFP Noll Financial Services Middletown, Pa. Saving for a Residence or a Ride The Practical and Psychological Approach to Budgeting Saving for a Lump
More informationReverseMortgages.com, Inc. A Guide to Reverse Mortgages
ReverseMortgages.com, Inc. A Guide to Reverse Mortgages Table of of Contents Introduction Introduction Our Commitment to You Is a Reverse Mortgage Right for You? Getting Your Reverse Mortgage: Questions
More informationSPECIAL REPORT. How To. Sell Your Home. In 9 Days Or Less. No Commissions! No Fees!
SPECIAL REPORT How To Sell Your Home In 9 Days Or Less No Commissions! No Fees! You may discover the perfect solution by reading this report. If you are like many home owners struggling to sell your home
More informationTable of Contents Reverse Mortgage O verview... Reverse Mortgage K ey Questions... 5 Reverse Mortgage Pros and Cons... 7 Reverse Mortgage Borr
1 Table of Contents Reverse Mortgage Overview... Reverse Mortgage Key Questions... Reverse Mortgage Pros and Cons... Reverse Mortgage Borrower Qualification... Reverse Mortgage Key Items... Reverse Mortgage
More informationReverse Mortgages: A Guide for Consumers. A New Report from THE AMERICAN ADVISORY COUNCIL
Reverse Mortgages: A Guide for Consumers A New Report from THE AMERICAN ADVISORY COUNCIL This publication is designed to provide accurate and authoritative information regarding the subject matter covered.
More informationReverse Mortgages. Presented by George Cooke, Realtor Coldwell Banker Seniors Real Estate Specialist (SRES) November 12, 2009
Reverse Mortgages Presented by George Cooke, Realtor Coldwell Banker Seniors Real Estate Specialist (SRES) November 12, 2009 Learn the ins and outs of Reverse Mortgages What to look for and what to avoid
More informationHow to Use Your Retirement Funds to Finance Your Small Business with No Taxes or Penalties. How To Use Your Retirement Funds to Finance Your Business
How To Use Your Retirement Funds to Finance Your Business By Bill Seagraves, President January 25, 2009 TABLE OF CONTENTS Overview Succeed in Business and Retire Wealthy: It s All About Cash Flow The Rich
More informationUsing Credit to Your Advantage.
Using Credit to Your Advantage. Topic Overview. The Using Credit To Your Advantage topic will provide participants with all the basic information they need to understand credit what it is and how to make
More informationLIABILITIES. Liabilities are claims against your Assets. They are something that you have to repay to someone else.
Accounting 101 ASSETS An Asset is something that you own, that has value, and will generate a future benefit. Assets are good. Eg.) Cash, accounts receivable, GST receivable, inventory, equipment, land,
More informationWE WILL BUY YOUR HOUSE FAST!
Who Are We? Homes Re-Imagined is a full service professional real estate solutions company located in the Northern Virginia area. Founded in 2014 as a family enterprise by John P. Bradford and Dorann Bradford,
More informationMaking the most of your retirement
Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity
More informationForeclosure Guidelines. Do s and Don ts for fending off foreclosure. Compliments of
Foreclosure Guidelines Do s and Don ts for fending off foreclosure. Compliments of 2 Foreclosure Guidelines CONTENTS: Introduction. 3 Foreclosure. What is it? What happens next?... 3 7 Possible Do s when
More informationThe Automatic Millionaire. A Powerful One-Step Plan to Live and Finish Rich. What matters is not how much you earn but how much you spend.
A Powerful One-Step Plan to Live and Finish Rich David Bach Crown Business 2005 272 pages Rating 99 Importance 8 Innovation 9 Style Focus Leadership & Management Strategy Sales & Marketing Finance Human
More informationYour Guide to Equity Release
Equity release has provided me with financial stability. I now have the opportunity to help my family, go on holiday, and make some home improvements. Mr W, East Sussex Your Guide to Equity Release Contents
More informationGuide to Buying & Protecting Your Home Investment
Guide to Buying & Protecting Your Home Investment Presented by: Guide to Buying & Protecting Your Home Investment 1 In the current market and economy, when it comes to your home and its value, it seems
More informationA Residential Redevelopment Company. Home Selling Guide
A Residential Redevelopment Company Home Selling Guide Who Are We? Caymus Realty Solutions is a full service professional real estate solutions company located in the north Pittsburgh region. Founded in
More informationHOME EQUITY LOANS. How to put your home s equity to work for you Save money and negotiate better terms
guideto: How to put your home s equity to work for you Save money and negotiate better terms HOME EQUITY LOANS Copyright 2007 LendingTree All Rights Reserved The LendingTree Smart Borrower Center offers
More information1Planning Your Financial Future: It Begins Here
This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 1Planning Your Financial Future: It Begins Here Terms Financial plan Financial goals Needs
More informationLife Insurance made easy
Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in
More informationAre Reverse Mortgages Really Expensive? By Diogo Teixeira June 10, 2008
Are Reverse Mortgages Really Expensive? By Diogo Teixeira June 10, 2008 Advisor Perspectives welcomes guest contributions. The views presented here do not necessarily represent those of Advisor Perspectives.
More informationThe Debt Elimination Roadmap
The Debt Elimination Roadmap Thank you for taking advantage of this special offer and taking a serious look at your current financial situation. What you ll find, over time, is that you re now involved
More informationHOW MUCH HOUSE CAN YOU AFFORD?: STUDENT HANDOUT
INDIVIDUAL BORROWING LESSON: HOW MUCH HOUSE CAN YOU AFFORD?: STUDENT HANDOUT Congratulations! You were able to save and invest more than 10 percent of your budget over a few years, and you now have $10,000
More informationTips, Tricks, & Bank Negotiations!
FINANCIAL SUCCESS CAN BE YOURS! Money Flow Tips, Tricks, & Bank Negotiations! Tracey Munns B.Comm Cloud-based financial tools you can access 24/7, to achieve your financial goals faster. ABOUT MONEY By
More informationChapter 35 SENIOR SUPER HERO
Chapter 35 Kevin Reichard Senior Financial Network SENIOR SUPER HERO (Story told by the Reverse Mortgage Professional) I was sitting at my desk in my home office comparing two great job offers after me,
More informationQUICKEN LOANS GUIDE. Refinancing
QUICKEN LOANS GUIDE Refinancing Home Loan U is a free educational series from Quicken Loans, created to help you make the most of your home, and home financing, at every stage of life. TABLE OF CONTENTS
More informationReal Estate Professionals with Heart. Home Selling Guide
Real Estate Professionals with Heart Home Selling Guide Who Are We? KForce Home Solutions is a full service professional real estate solutions company located in Little Elm, Texas. KForce Home Solutions
More informationHome loan check up. Reviewing the health of your home loan
Home loan check up Reviewing the health of your home loan 2 3 Contents Debt consolidation & refinancing 3 Considering refinancing? 4 Benefits of refinancing 6 Know the costs of refinancing 12 It s natural
More informationEQUITY RELEASE GUIDE. Everything you need to know about equity release.
EQUITY RELEASE GUIDE Everything you need to know about equity release. An informative guide from the equity release specialists The informative guide to equity release... Equity release has come a long
More information8 Secrets You Need To Know When Buying Land
8 Secrets You Need To Know When Buying Land TABLE OF CONTENTS: Chapters 1. Prepare Yourself To Purchase 2. Doing The Research 3. 8 Secrets You Need To Know When Buying Land CHAPTER 1 Prepare Yourself To
More informationH O W T O A V O I D F O R E C L O S U R E F O R E C L O S U R E
U.S. Department of Housing and Urban Development H O W T O A V O I D F O R E C L O S U R E F O R E C L O S U R E This booklet explains how property owners can avoid losing their homes because of delinquent
More informationPresented by [Your Name] of [Your Company], and David Zadareky & Associates Presented by [Your Name] of [Your Company], and David Zadareky &
YOUR PICTURE Headline section for you (see my example on next page). You can always just use name, title, and company if you want to keep it simple. Example bio and professional information about you,
More informationRenting vs. Owning a Home
1.9.3.L1 Note taking guide Renting vs. Owning a Home Total Points Earned 30 Total Points Possible Percentage Name Date Class Housing is the largest personal expenditure Approximately of a person s income
More informationThe 10 Most Costly Mistakes You Can Make When Selling Your Home
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
More informationEverything You Need to Know About Mortgage Refinancing
Everything You Need to Know About Mortgage Refinancing 1 Table of Contents Content Page Overview 3 Chapter 1: Types of Mortgages 4-8 Chapter 2: Types of Mortgage Interest 9-10 Chapter 3: Types of Lenders
More informationFamily protection made easy
Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers
More informationWhole Life Insurance is not A Retirement Plan
Whole Life Insurance is not A Retirement Plan By Kyle J Christensen, CFP I decided to write this article because over the years I have had several clients forget how their whole life insurance fits in
More informationBUYER Guide. Toledo Area Real Estate. A Tradition of Trust in Ohio Real Estate. (419) 874-1188 Jon@Modene.com www.modene.com
BUYER Guide (419) 874-1188 Jon@Modene.com www.modene.com Toledo Area Real Estate A Tradition of Trust in Ohio Real Estate Sell Your Home From childhood to parenthood to retirement, your home is a statement
More informationPROFITING BANKING INDUSTRY S BIGGEST SECRET
PROFITING FROM THE BANKING INDUSTRY S BIGGEST SECRET A Consumer Guide Presented by: The Asher Institute FOR CONSUMERS A NON-PROFIT CONSUMER ADVOCACY ORGANIZATION 2003 INTRODUCTION The Asher Institute FOR
More informationStandard 6: The student will explain and evaluate the importance of planning for retirement.
TEACHER GUIDE 6.1 RETIREMENT PLANNING PAGE 1 Standard 6: The student will explain and evaluate the importance of planning for retirement. Planning for Your Retirement Priority Academic Student Skills Personal
More informationIs a Reverse Mortgage. the right answer for you or a loved one? Get the facts.
Is a Reverse Mortgage the right answer for you or a loved one? Get the facts. H ome is a special place. Whether it s been in your family for generations or you ve lived there only for a short time, you
More informationGuide to Becoming A Real Estate Investor
Guide to Becoming A Real Estate Investor S&S Real Estate, Inc. September 27, 2009 Volume 1, Issue 1 MAKING REAL ESTATE DREAMS COME TRUE!!! A step-by-step guide to becoming a Real Estate Investor and securing
More informationMoney Basics: Spending, Borrowing and Saving It
Money Basics: Spending, Borrowing and Saving It Training Program Participant Packet Presented by CLC Incorporated 4170 Douglas Blvd. Granite Bay CA 95746 (800) 541-9701 1 CLC Incorporated Presents Money
More information10 WAYS TO IMPROVE YOUR CREDIT LIFE
10 WAYS TO IMPROVE YOUR CREDIT BOOST YOUR SCORE AND ENRICH YOUR LIFE BY PATRICK SMORRA CREDIT PROBLEMS ARE EASY TO CREATE BUT HARD TO SOLVE Hello, my name is Patrick Smorra and I m the owner of Napa Chrysler
More informationINTERACT WITH CAPITOL FEDERAL
TALK with an Associate in Capitol Federal s Customer Service Center 888-8CAPFED. EMAIL your questions to Capitol Federal securely online at capfed.com/contact. VISIT any one of Capitol Federal s convenient
More informationGET CREDITWISE SM SM
GET CREDITWISE SM SM Table Of Contents October, 2006 Credit Matters 1 An introduction Establishing Credit 3 Begin building a solid financial base Using Credit Wisely 5 Narrowing your options Monitoring
More informationQ: Will I have to pay federal taxes on the money my lender loses in the short sale?
Q: What is a Short Sale? Answer: In a short sale, the lender agrees to settle the debt owed on the property for less than the full amount. Settled means that the lender is writing off the debt (which is
More information6 Steps to Completing Your Loan Modification Yourself
6 Steps to Completing Your Loan Modification Yourself Page 1 of 12 You hear it in the news almost every day, more and more hard working Americans are falling behind on their mortgage payments. Many real
More informationMoney Management THEME
THEME 3 Introduction Money Management Do you know people who handle money carelessly? Lots of seemingly smart people are clueless about where they stand financially. There is Beverly, a professional woman,
More informationFinancial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve
Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without
More informationSaga Equity Release Advice Guide
Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,
More informationLife Insurance Information Guide
Life Insurance Information Guide Chapter 1 Mortgage Insurance vs. Life Insurance Talking about your death is never easy or fun, but it is essential. When organizing your finances to provide for your family
More informationHow To Get A Lawyer In South Shore, Martha M.A.
Bankruptcy Attorney & Lawyer Stoughton, MA Free initial consultation The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas for
More informationReverse Mortgages: Explained
Reverse Mortgages: Explained When To Recommend and When To Be Avoided Presented by Karl Parize Broker # 01364278 History of Reverse Mortgages During the 1970s, several private banks offered Reverse Mortgage
More information10 Ways To Improve Your Credit Boost Your Score & Enrich
10 Ways To Improve Your Credit Boost Your Score & Enrich Your Life (And It s All Legal!) Written By: Zumbrota Ford Financial Team CREDIT PROBLEMS ARE EASY TO CREATE, BUT HARD TO SOLVE Hello, my name is
More informationGuide for Homebuyers
Guide for Homebuyers Tips for Getting a Safe Mortgage You Can Afford Q u i c k S u m m a ry Figure out what you can afford. Contact at least 3 different lenders or brokers. When you call, say: I m buying
More informationGoogle Lead Generation for Attorneys
1 Google Lead Generation For Attorneys Leverage The Power Of AdWords To Grow Your Law Business FAST You re about to discover the secrets of fast legal practice success with Google AdWords. Google AdWords
More informationPNC is a registered mark of The PNC Financial Services Group, Inc.( PNC ) 2013 The PNC Financial Services Group, Inc. All rights reserved.
The seminar and/or webinar and materials that you will view were prepared for general information purposes only by Baker Tilly and are not intended as legal, tax or accounting advice or as recommendations
More informationDo You Have a Plan? A Financial Foundations Story. 2011 by Tammy Johnston and Janice Blaine DRAFT DO NOT COPY
Do You Have a Plan? This is a work of fiction. Names, characters, places and incidences are the product of the creator s imagination or are used fictitiously and are not to be construed as real. Any resemblance
More informationYour retirement could have even more going for it
Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could
More information