Scottsdale Arizona Real Estate Agent, Tucson Arizona Real Estate Agent

If you want to avoid the schemes and tricks mortgage brokers use to "gouge" you for extra fees and "points", avoid the common mortgage shopping blunders people make everyday that cripple them financially over 15... 20... even 30 years, or if you just want manage your mortgage to build financial security rather than sell yourself into financial "slavery" for 30 years- then this might be the most important letter you ever read.

Here's how most people shop for a mortgage - (sound familiar?)

They call a few lenders and ask what the rate and points are. That's it!

They have no clue what questions to ask about "points", fees, interest rate "lock-in" periods, closing costs, "pre-paids", and more.

They're like lambs to the slaughter by a pack of hungry wolves!

Mortgage lenders make their money based on how much money you borrow and the points and fees they can get you to pay.

The more money you borrow and the higher fees you pay... the bigger their paycheck! It's human nature -- they will make you pay as much as they make a bigger commission !

Not too long ago some mortgage companies were fined over $8,000,000 (Million!) dollars in a single year for overcharging thousands of borrowers who didn't know how to shop for a loan (source: U.S. Dept. of Justice)!

Those lenders abused borrowers and took thousands of dollars extra out of the borrower's pockets for one simple reason - they knew they could get a way with it!

Sometimes they'll just get you for a little $300 fee here or there - other times they'll stick it to you for thousands in extra interest charges and you may never know it until too late!

My question is - if those companies are the one's getting caught.. how many more do you think are gouging borrowers just like you and getting away with it ?

FACT : Every year thousands of people screw up the mortgage shopping process.

They get the wrong loan at the wrong price and pay for it dearly until they're old and gray.

Here's what I mean...

If you overpay for the house, you will get stung for some money and learn a valuable lesson. If you overpay for the mortgage in interest rates, points, fees or other costs, you will pay for your mistakes EVERY month for the next 30 years!

FACT : Everybody worries so much about the house that nobody ever gives very much thought to the loan.

It's the loan that costs you month after month - not the house. Yet virtually nobody gives more than a passing thought to the financing!

FACT : When I protested over the outrageous charges some bankers were bilking out of unsuspecting borrowers I had a manager tell me there was a code of silence among mortgage people about all the extra fees and points - his exact words were " honor among thieves ."

Well I say "No More!"

But I'm getting way ahead of myself...

Ex-Mortgage Banker breaks "Code of Silence"

Whether it's a new loan, refinancing or a home equity loan - I am going to take you by the hand and teach you step-by-step how to get a mortgage loan without getting ripped off in interest rate, points and "junk fees"... then I'll show you how to manage that loan and all the insurance and tax costs so the loan actually sets you free financially!

Now, that's a tall order and I know you're probably skeptical. That's normal and healthy. Let me give you three good reasons I can back up what I claim:

Why should you listen to me?

Reason one : Did you know that many mortgage brokers can (and will) charge you so much extra in points an fees that they actually make more money than the realtors --

As a 8+ year veteran of the real estate business I have seen things that would make most people roll their eyes back in their head in total disgust ! I've seen mortgage brokers charge buyers more points than necessary just to make a higher commission.

Sad but true......

Buyers and homeowners just like YOU being charged Thousands of dollars extra because of their ignorance!

People just like your neighbors have been taken advantage of because they just didn't know any better!

I got into the mortgage business to help people... not to take advantage of them. I got so steamed up about it I decided to literally go on a crusade and do something about it.

That's why I developed my program - I got sick and tired of seeing people just like my own mother and father get taken to the cleaners by unscrupulous money lenders!

Reason two : The lessons and methods you learn come straight from the front lines of the mortgage business. Someone who has actually been there... an 'insider'... teaches you the facts quickly and easily so you can take action!

Having worked in the mega market of Scottsdale Arizona as well as in the upscale community of Fountain Hills, Arizona - I have seen 100's real estate, refinancing and mortgage transactions get to the closing table... I have seen and financed with every type of loan imaginable - VA, FHA, Conventional, JUMBO, A.R.M.'s, Step, Bridge, 3-5-7-10 Balloon, 100% financing, 125% financing, Owner Financing, Reverse mortgages... I've BEEN THERE - DONE THAT and brought home the T-shirt!

The information in my program has helped literally 100's of people just like you to understand, evaluate and exercise their BEST OPTIONS in getting a mortgage loan and buying a home!

You get all my experience from thousands of transactions boiled down into one, simple-to-understand, easy to use program for getting virtually the lowest mortgage rate with the lowest points and fees possible in the current market.

If you are at all intimidated or unsure about the mortgage process - if you don't understand how to evaluate your options in getting a mortgage loan this program will help you feel comfortable that you are making the best decisions for yourself and - more importantly - your family's long-term financial well-being!

Reason three : It doesn't matter what type of loan you get... this information works !

Whether you are re-financing, getting a home equity loan or buying a brand new house... I don't have anything to gain financially by which mortgage option you choose as a result of my advice in this program.

That is always something that ticked me off about some mortgage brokers.

Even if it wasn't done consciously their advice always seemed to come back to the rate and points that would make them the most money - not what was best for the client!

Packing on the points or padding the interest rates because the buyer or home owner supposedly has "bad" credit or "too much debt" or "is a poor risk" is almost common practice.

And one more thing...

Now the buzzword around mortgages is "credit scoring" - a number that rates your overall financial "worthiness" to get a loan. Some lenders require certain scores in order to get the best interest rates... but some use these scores as an excuse to charge you a lot more money in points and interest for reasons that nobody without a computer science degree could understand!!

Because of this and other pitfalls... you must learn the secrets revealed in my amazing and shocking program -

Warning: Do NOT get a mortgage unless you KNOW the answer
to ALL of these questions...

I want to give you 6 questions you absolutely, positively must have the answer to before you sign up for any type of mortgage:

Before you pass over this my program lightly as something you don't really need or don't have time for... ask yourself these six questions:

1. Do you know how to tell if a mortgage broker is telling you a rate over the phone just to entice you into their office... or can they really deliver what they promise?

2. Do you know how to compare various lender's offers "apples to apples" or are you at the mercy of people who know more than you do -- and who want you to spend your money?

3. Do you know exactly what to do in order to cut 10-12 years of interest off your mortgage - safely, legally and without even breathing hard?

5. Do you know why getting "pre-qualified" is just a waste of time... and can actually hurt your ability to negotiate with a seller?

6. Do you know the 7 questions to ask any lender to make sure they aren't just using "smoke and mirrors" to get you into their office so they can "get you down on paper"?