Are You Paying a Mortgage? Mortgage Prepayment will save you thousands of dollars in mortgage interest, build your home equity fast, and retire your mortgage debt early. Mortgage Magic will show you how.
Are You Refinancing? When you understand the power of prepayment, you may think twice about refinancing your mortgage. Mortgage Magic will show you why.
Are You Selling your home? Creating a mortgage will save you thousands when you sell your home By Owner. Mortgage Magic will explain this FSBO financing plan.
Do You Want to make money in a home based business? Mortgage Magic will give you a complete money-making introduction to the Mortgage Note Business. This is a part-time or full-time business opportunity.
Mortgage Magic is a downloadable eBook. This valuable information can be yours in just a few minutes.
FREE reports: On this page you will also find a link to our special FREE reports and discover some of the secrets of Modern Creative Real Estate.
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Save thousands of dollars on your home mortgage with a payment increase you won't notice!
FREE computer software to help you figure your savings.
Costs & Benefits
PLUS - you get valuable information on refinancing.
PLUS - you find out how to sell your home fast and for full appraised value.
PLUS - you learn how to start a home-based business.
|
With Mortgage Magic |
Without Mortgage Magic |
|
| Years To Pay Off: |
22.5 years |
30 years |
| Interest Savings: |
$52,237 |
$0 |
| Monthly Payments Eliminated: |
90 |
0 |
| Total Payment Savings: |
$69,210 |
$0 |
| Equity Built After 5 Years: |
$9,680 |
$4,510 |
| Equity Built After 10 Years: |
$23,509 |
$11,397 |
| Mortgage Balance After 23.8 Years: |
$0 |
$50,889 |
A. Pay 30 years of monthly mortgage payments, OR
B. Use Mortgage Magic and own your home in 23.8 years?
A. Have only $11,397 in home equity, OR
B. Use Mortgage Magic and have $23,509 home equity or more?
A. Still owe $50,889 on your mortgage, OR
B. Use Mortgage Magic and owe NOTHING?
A. Make standard monthly mortgage payments yourself and save NOTHING, OR
B. Use Mortgage Magic and save $69,210?
Now remember ... the mortgage savings program example we just used is the "bi-weekly" program. We used it because "bi-weekly" is the buzz word most often heard.
And yet ... you can achieve even more aggressive savings. And Mortgage Magic will show you how.
Your choice ... Mortgage Magic will show you how to use the tool of prepayment to structure the term (length) of your loan to fit whatever amortization schedule you choose.
In fact ... with Mortgage Magic you can save time and money on any installment loan whether for car, boat, motor home, college education, or home improvement.
Why should you pay back the bank close to $3.00 for every $1.00 you borrowed on your home mortgage? Sad but true, huge numbers of American homeowners are doing just that and don't even know it! You might say, "This can't be true!" But let's look at our typical example.
If you have a $100,000 mortgage at 8.5% interest for 30 years, the monthly payment for principal and interest is $769.91. Over the entire life of the loan you will pay back a total of $277,168.
Right now we are in a period of low mortgage interest rates. But if you have a $100,000 mortgage at 11.0% interest for 30 years, the monthly payment for principal and interest is $952.32. Over the entire life of the loan you will pay back a total of $342,835!
Look at those numbers again! You have just paid back more than $3.00 for every $1.00 you have borrowed! Incredible, isn't it! Of the $342,846 in total payments, $100,000 paid off your principal and $242,835 was paid for interest. You will have parted with enough money to pay for three houses!
Reason: In the early years of a mortgage the monthly payment does very little to reduce the principal and, even after 10 years of payments, most of the monthly payment goes toward the interest and very little toward the principal.
Can the banks do this? They sure can! Can you do anything about it? ABSOLUTELY YES!... By using a concept called "Loan Acceleration" or "Mortgage Prepayment."
This concept is completely explained in the easy to understand homeowners guide to loan savings called Mortgage Magic.
This user-friendly guide reveals the inside techniques of how to make compound interest work for you instead of the bank. And it works for auto, boat and RV loans too! Just one of these techniques is the bi-weekly mortgage.
Mortgage Magic will show you how time affects the value of money and how you can take advantage of this concept.
WHAT WILL YOU PAY TO LEARN HOW TO SAVE TENS OF THOUSANDS OF DOLLARS IN INTEREST OVER THE LIFE OF YOUR MORTGAGE AND OWN YOUR HOME DEBT-FREE MANY YEARS AHEAD OF SCHEDULE?
Some promoters, offering a "simulated" bi-weekly payment plan, are charging
from $400 to $1,000 in set-up charges. Plus $4.00 or so in monthly service
fees! BUT ... Mortgage Magic will show you how to put those
set-up and service charges to a much better use - saving you even more money over the
term of your mortgage.
Some promoters are offering a "free" service. But it only seems
free. The promoters have the use of your money while they are waiting to make
your payments for you. Also, these programs take away from you the control and
flexibility you should keep.
DON'T GET TAKEN IN!
Just follow our step-by-step
instructions. You can devise your own bi-weekly (or any other) prepayment plan
without getting locked in to a rigid schedule, without any kind of commitment
(except to yourself and your family) and without paying these exorbitant charges.
The savings will astound you! And there is nothing more to buy! Your only outlay is the modest cost of Mortgage Magic.
NATIONAL COUNCIL OF SAVINGS INSTITUTIONS: "Bi-weekly payments are 'pro-consumer' because they correspond to America's paydays making mortgage payments much easier for homeowners who are on a tight budget or have a difficult time saving money."
CONSUMER REPORTS: "Whether you already have a mortgage or are in the market for a new loan, you can probably save tens of thousands of dollars by using a bi-weekly mortgage schedule."
USA TODAY: "What started as a mortgage lender's marketing gimmick is on its way to becoming the hottest home loan of the decade. It's the bi-weekly mortgage, and it's as simple as paying half a monthly mortgage payment every two weeks. The attraction: Bi-weeklies reduce interest expense and build home equity faster."
USA TODAY: "The hottest home loan of the decade. Bi-weeklies reduce interest expense and build equity faster."
BUSINESS WEEK: "You can save a considerable amount of money through this plan."
BUSINESS WEEK: "With a bi-weekly mortgage, where payments are made every two weeks instead of once a month, homeowners can save 40% in interest compared with monthly payments."
PARENT: "The simple fact is that a bi-weekly mortgage schedule not only saves the homeowner a bundle, but makes him or her a homeowner much sooner."
PARENT: "Two bi-weekly payments add up to the same amount as the single monthly payment of a conventional mortgage. But, because the homeowner making payments bi-weekly makes 26 payments a year, the total amount paid on the loan luring a year is the equivalent of 13 monthly payments."
BLACK ENTERPRISE: "A new home mortgage that slashes interest costs - you pay your loan off in 16 1/2 years rather than 30."
THE WASHINGTON POST: "Bi-weekly Loans Get Boost From Fannie Mae."
THE WALL STREET JOURNAL: "People move around, and they see no equity build-up. With a biweekly, they see their mortgage payment as an investment."
NEW YORK TIMES: "A bi-weekly mortgage is is best for financially sophisticated home buyers, for move-up buyers and anyone who wants faster equity build-up. It's a great disciplinary tool. In a way, it's like a Christmas Club."
CBS NEWS: "The bi-weekly payment plan saves a lot - How about $78,000? Say you have a $100,000 mortgage at 10%. With a 30 year conventional mortgage you're going to pay $216,000 in interest. If you pay that same mortgage bi-weekly, you would pay off that loan in 20 years and you would save $78,000 in interest."
Just follow the simple steps explained in Mortgage Magic and you can have all the benefits the Media are talking about - and more! With ...
The cost of Mortgage Magic is trivial compared with the benefits you stand to gain.
PLUS - You will get
FREE computer software
to help you make the right decisions.
And, when it comes time to sell your home, Mortgage
Magic will show you how you can save still more
money by creating a new mortgage for your buyer and then selling it for cash!
What's more ... you have a money-back satisfaction guarantee.
Mortgage Magic gives you a complete self-help system!
BY THE WAY ... In Defense of the Banks: The Prepayment Promoters have made a big deal out of the "bankers' errors" made by mortgage lenders in the calculation of mortgage balances. This is hype.
Sure - these errors do occur. But the vast majority are human errors. They are not computer errors. And they are not deliberate errors. They are simple errors made by humans inputting data to the computers. You have heard it: "Garbage In - Garbage Out."
You need a system of tracking
your prepayments to make sure that, if errors do occur, you will catch them. Mortgage
Magic will give you a system to create an audit trail ... and it is
simple. You don't need the services of a third party to do it for you.
The Way Out
Just think about this! How would you like to own your home free and clear 15 years ahead of time? That's right! Mortgage Magic will show you how to pay off that 30 year 8.5 percent $100,000 mortgage in 15 years almost effortlessly. This is almost the same as getting a 15 year mortgage. But it gives you much greater flexibility.
And we'll show you how you can save $99,754 in interest in the process. All this can be accomplished with your own lender and with no hassles and no set-up fees, by simply following our easy to understand, step-by-step instructions. So stop being prey to the Money Monster. GET SMART!
Mortgage Magic
is a
straightforward homeowners guide.
Mortgage Magic
will help you know, understand, and exercise your right to prepay and your
ability
to save tens of thousands of dollars on your home mortgage and years of personal
anxiety.
Mortgage Magic will give you a simple method
for tracking your prepayments and creating your own audit
trail.
Mortgage Magic
will
give you vital information on managing your mortgage in the overall context of your
financial planning.
Mortgage Magic
will give you insight into mortgage refinancing issues.
Mortgage Magic
will explain why it can be advantageous to prepay your mortgage rather than pay
fees and points to refinance it.
IN ADDITION
... Mortgage
Magic provides you with a method of selling your home "By Owner"
fast and for top dollar ... by making and selling your own financing.
PLUS
...
Mortgage
Magic will tell you everything you need to know to get started in the
Mortgage Note Business.
Mortgage Magic is copyrighted. It cannot be purchased at any bookstore, nor can it be found in any library. It is distributed in eBook form only via the Internet.
Author Tony Brunner is a licensed Real Estate Broker in the State of California. He is an Attorney admitted in New York and holds an Honors Degree in Law from Oxford University, England. Tony has more than 20 years experience in real estate, including mortgage loan brokerage .
Business Week says, "You can save a considerable amount of money by prepaying". Prepaying your mortgage has also been recommended by Forbes Magazine, New York Times, Sylvia Porter's Personal Finance, and other similar publications.
But did you know that only 5% of American homeowners ever make an attempt to accelerate their mortgages and that only 1% do so in a systematic way? However, there are a few smart people out there. JOIN THEM! Order Mortgage Magic and get going with your own money saving plan!
Q. Will I have to refinance my loan?
A. No.
Q. Can my lender prevent me from following my prepayment program?
A. No.
Q. But we'll be moving in a few years. How can we benefit from mortgage prepayment?
A. Handsomely! The average homeowner will move several times during his lifetime and may never get to pay off one mortgage. In this case, the benefits of acceleration lie in equity build-up.
Let's take another look at our example of a 30 year $100,000 loan at 11% interest with a monthly payment of $952.32. If the homeowner did not elect to follow our program, his mortgage balance at the end of 8 years would be $94,549 giving him an equity build-up of only $5,451.
But, if he had used Mortgage Magic, his mortgage balance at the end of 8 years could have been $66,380 and he would be enjoying an equity build-up of $33,620 and a wonderfully improved financial statement for the purchase of his next home!
Q. So how long will it take before I start receiving benefits?
A. You start benefiting immediately. In the last example you would save over $2,776 in the very first year.
Q. Does prepaying a mortgage come off the "front end" or the "back end" of the mortgage?
A. Neither. Mortgage Magic will show you that it comes off the outstanding balance of principal.
Q. What's the catch?
A. There is no catch.
Q. What's the risk?
A. There is no risk.
Q. What do I do next?
A. Act now and start saving money!
Order Mortgage Magic today! Follow our full, step-by-step instructions and apply your own loan acceleration program to your mortgage.
Use the
FREE computer software provided with Mortgage Magic to
plan your own program.
PLUS get valuable money-saving information for when the time comes to sell your home!
Learn this effortless way to reduce your mortgage, increase your equity in your home, enhance your net worth, and achieve greater peace of mind. Discover how you can keep more of your money in your pocket and prevent the bank from having it! Tame the Money Monster!
You owe it to yourself and your family! Mortgage Magic will show you how a delay of only one month can cost you and your family $500.00 or more!
The system created that dreary 30 year house payment ritual. Now you can beat the system with the powerful mortgage management techniques we will show you.
What are you waiting for? It's the smartest move you'll ever make! Order now ... and you'll be thousands of dollars richer sooner than you would have thought possible! And, if for any reason you disagree, contact us within 30 days for a full refund.
Owning your home absorbs an enormous amount of time and effort. Think how long it is taking you to achieve ownership free and clear! Think how much of your hard earned income is just getting eaten up by your home loan! Get it under control! Find out how! Find out now!
Chances are you have already paid for your modest investment in Mortgage Magic many times over in unnecessary interest expense. So, isn't it about time you owned this consumer friendly Guide?! Order it now! Your satisfaction is guaranteed!
If you want to save serious money, when would be a good time to start? Start now by ordering your copy of Mortgage Magic. And you be the sole judge of whether this information can benefit you. Your satisfaction is guaranteed!
The decision to refinance is more complicated than it seems. It is not as simple as just finding a better interest rate. There are other factors to consider, such as:
whether to refinance, restructure, or tap equity.
Mortgage Magic will help you look at all these factors in the context of your overall financial plan. You will learn to look at the refinancing process in the same way you would look at any other investment. Does the return on the expense invested justify it?
Refinancing costs money in points and other fees. And, in arriving at a decision whether or not to refinance, you need to consider whether the amount of money it costs to do it is worth the savings in interest. Mortgage Magic will show you what to look for.
Mortgage Magic is devoted to saving you money. You will not only save money while you own your home with your own mortgage acceleration program and our refinancing tips. You can also save big, when it comes time to sell your home!
When
it's time to sell your home, Mortgage
Magic will arm you with an owner
financing plan known as the "Simultaneous Note Purchase."
You
will learn how to create and sell your own financing.
You will find out how to benefit from the magic words "Owner Will Finance" but without holding the mortgage.
You will find complete details of this very useful home-selling plan in Mortgage Magic.
Mortgage Magic will introduce you to the business of making money with privately held discounted mortgages. You will get step-by-step instruction in exactly how to do this. What's more, you will receive on-going support to ensure your success.
You will make money by providing a much needed service to homeowners. They reluctantly had to take back mortgage paper in order to sell their homes. But now they want cash. You will help them out.
Check out these features of the Mortgage Magic note business program:
Minimal expense to get going.
Mortgage Magic provides all the knowledge you need
to get started in this business.
None of your money needed to invest in notes.
Great earnings.
No risk, except for the effort you put forth.
Work from home with access to a local and national market.
No Government red tape. Just report your earnings.
Phone and fax are all the equipment you need.
Not a get rich quick scheme. This takes some work but the rewards are worth
it.
Part time or full time.
No license required.
Mortgage Magic provides complete instruction.
Nothing is left to chance. You get the support you need.
Mortgage Magic will show you how to locate,
negotiate, buy and sell mortgage notes.
No need to be a CPA or a banker. No special education required.
Anyone can do this.
Mortgage Magic provides the knowledge that some "gurus" are selling for $100s or lecturing about for $1,000s. Why do you get it for so little? It's real simple. If you make money, we make money. If you are willing to learn and work, we want to be affiliated with you.
Mortgage Magic will show you how to find the deals. Our expertise and resources will close the deals. We will split the profits. And you will make money!
A: Mortgage Magic!
And
... don't forget your FREE software.Take advantage of this special limited time offer! It will not be repeated! The regular price of Mortgage Magic is $47. This is a special limited time offer of $27. To receive Mortgage Magic instantly, scroll down and click on the Digibuy button.
Mortgage Magic will be delivered to you immediately. The cost is very low - the information very valuable. And your satisfaction is GUARANTEED - or your money back!
When you want this kind of special knowledge, you want it now! So Mortgage Magic is in digital format. You can get it instantly after a secure, credit card payment.
Mortgage Prepayment will save you thousands of dollars in mortgage interest, build your home equity fast, and retire your mortgage debt early. You need Mortgage Magic to show you how. Get it here ... Get it NOW!
Mortgage Magic is an eBook. The only requirements to run Mortgage Magic are:
- Microsoft© Windows 95/98/NT
- Microsoft© Internet Explorer 4 or above
Download Mortgage Magic from our secure order web site. Your order will be confirmed by email. The email will contain your download link.
You will be connected to our secure order web site, where you will enter in your credit-card information securely -OR- you will be able to order by FAX or PHONE without placing your credit-card number on the Internet. We also accept check and corporate purchase orders.
For all your questions:
Tony Brunner Sellers Select Realty Services 23-225 Tamyram Road Sky Valley, CA 92241 Telephone: (760) 329-3650 Email: tony@sellersrealtyservices.com Mortgage Magic is designed to provide accurate information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or professional services. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.Special bonus - just for getting this far ...
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Fast
For Full Appraised Value
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Free of Worry
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