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WOULD YOU LIKE TO LEARN THE
MORTGAGE SECRETS OF MILLIONAIRES?

Would you like to know what they know?

Would you like to learn how they
make money work for themselves?

If you answered “Yes” to each of these questions
then, this page is FOR YOU!

A PARADIGM SHIFT
What you are about to learn is incredibly revolutionary and is most certainly counter to everything you have believed about money, mortgages, and your home.

ARE YOU READY?
So, please open your mind to what you are about to learn through print, audio, and video.

No More Great Depression Thinking
For most Americans our beliefs about money, mortgages, and our home come from what our parents, grandparents, or even our great-grandparents have taught us. Yes, that is correct!

During the Great Depression, millions of Americans lost their homes to foreclosure even though they were making their house payments on time! HOW? At this time, mortgages had a Demand Feature. Your bank could call you Monday afternoon and demand FULL repayment of your mortgage by end of the week. Thus, millions of Americans lost their homes.

To this day, nearly every American believes they must pay off their mortgage as soon as possible, so they don’t lose their home. This is what I call GREAT DEPRESSION THINKING. What we forget is that mortgages have not had a demand feature since the 1940’s!

This means our thinking is
OUT-DATED and needs to be discarded.
To learn about Secret #1, please click here.

MORTGAGE SECRET #1—NO MONEY DOWN LOANS

What do both millionaires and teenagers know?

Every weekend teenagers ask their parents for spending money. Why? They would rather spend their parents’ money than their own money. For teenagers it is all about O.P.M. (Other Peoples’ Money)! In their case, O.P.M. is their parents’ money.

Millionaires believe in O.P.M. as well. In their case O.P.M. is the bank’s money! Millionaires know that with everything they buy they are either using their own money or somebody else’s money. Whose money would you rather spend? Yours? Or your bank’s?

Thus, millionaires put no money down or as little money down as possible when they buy a new home. Instead, they borrow the bank’s money and keep their own money making money for themselves. For example, a co-worker recently helped a client buy a $16 Million home with no money down!

Millionaires also know about the Investment With The Guaranteed Rate of Return of 0%. Do you?

Imagine if your financial advisor or any financial advisor were to call you excitedly about a great new investment.
Would you be interested?

What if they told you that this great new investment provided an incredible guaranteed rate of return of 0%?
Would you buy this investment?

Probably not.

But, every year millions of Americans buy this investment when they
buy a new home. How so? They do so, by “investing” the equity from the sale of their current home into the new home they buy.

For example, you sell your $300,000 home on which you owe $180,000 and after your closing costs you net $100,000 from the sale of your home. You then, buy a $400,000 home and you put the $100,000 down on your new home.

Have you done this before? If so, you have purchased the investment with a guaranteed rate of return of 0%! This $100,000 investment will never make you any money trapped in your home.

Many people mistakenly believe that their home’s equity makes them money. However, your equity makes you no money if it is still in your home. In fact, it is no better than money under the mattress!

Let me explain. Your home goes up or down in value regardless of how much you owe on your home. The amount of your mortgage has nothing to do with the value of your home. Your home changes in value because of the home, neighborhood, and market conditions; not your equity.

Your home’s equity makes you no money if it is trapped in your home.

Now, what would happen if you invested this $100,000 of potentially tax free money into the stock market? Let’s look at 3 examples over 10, 20 and 30 years—

(My calculations do not account for taxes paid or investment expenses. Please consult your financial advisor for assistance. Your rate of returns may vary.)

Would you like to have an extra Million Dollars or more at retirement? If so, please consider putting this secret into place yourself!
For Secret #2, click here.

MORTGAGE SECRET #2—INTEREST ONLY LOANS

For 20 years millionaires have chosen interest only loans in a win-win situation for themselves and their investment brokers on Wall Street. Wall Street Investment Firms have offered their clients interest only loans so that their clients could invest more money with them monthly. Instead of making principal payments, these savvy investors invested their money into the stock market, where it could make money for them!

A $250,000 Example
An interest only loan can save you $200-$350 a month normally. If you invest your savings properly in the stock market, this money can add up to substantial savings and additional wealth for you.

Savings Over 30 Years

It’s amazing how your money can work for you if you let it! By combining Secrets 1 and 2, you can increase your net worth by more than $3 Million over 30 years!

For Secret #3 click here

MORTGAGE SECRET #3—PAYING OFF YOUR HOME THE SMART WAY

Most Americans because of their Great Depression Thinking believe that is wise to pay off their home early. Thus, bi-weekly mortgages have become popular because they pay off a traditional 30 year loan in just 22.5 years, saving you $85,000 on a $240,000 mortgage. Many Americans also choose to use a shorter term loan like a 15 year loan to pay off their home early.

But, is that the best use of your money?

ARBITRAGE

Arbitrage is what your bank does to you every day of the week. They borrow money from you and pay you interest of 2% on your money in your savings or checking account. Then, you ask for a car loan or home equity loan from the same bank and they charge you 7%. They borrow money from you at a lower rate of 2% and then lend your money back out at 7% at a profit for them.

Would you borrow money at 2% to make 7%?
Of course, you would!

With what you are about to learn, you can now turn the tables on the bank!

Let’s assume your mortgage has a 6% interest rate. Now your mortgage is a “good” debt as it is tax advantaged. Assuming that you are in the 25% federal tax bracket plus 5% state tax bracket, your after tax rate on your 6% mortgage is 4.2%! (6% x (1.00-.30))

So, that money is only costing you 4.2%. Now, ask yourself, “can I make more than 4.2% in the market long-term?” And the answer is yes! Since 1950, the S & P 500 has provided an annualized total return of 11.9%.

If you are like most Americans you may choose to pre-pay your mortgage to pay off your home early.
Now, how much is this investment making for you?

4.2%
Is this good enough for you?

An Example
Penny Wise and Thurston Howell III both have a $240,000 mortgage at 6% fixed rate for 30 years. They each have an extra $200 a month to invest. Penny chooses to prepay her mortgage, thus earning 4.2% with her investment. Thurston, decides to invest his $200 into the stock market.

Penny pays off her home in 22 years and saves over $85,000 in interest! She thinks she is pretty smart!

Thurston instead put his money to work for him in the stock market. At a 8% annual return, Thurston could write a check to pay off his mortgage in 20.5 years or 1.5 years sooner!

At a 10% annual return he could pay off his mortgage in 19 years!

At a 12% annual return, he could pay off his mortgage in 17.5 years!

After 30 years, at a 12% annual return, Thurston is wealthier by over $400,000!

Thurston accomplished what I call Balance Sheet Payoff. After as little as 17.5 years he could have written a check to pay off his mortgage if he so chose. Imagine the freedom to write a check like that! But, why would he? His money was making money for him.

So, which secret or secrets do you want to take
advantage of today?

Maybe, you need to jump start your retirement savings and Secret #1 is your choice. Thus, you invest all or some of the equity from your current home as you sell it into the stock market or into investment real estate.

Maybe, you are younger and you have 20, 30, or even 40 years till retirement and you choose to save $250 a month with an interest only loan.

Or, you currently have a 15 year loan, and you choose to refinance back to a 30 year loan with Secret #3 and you invest your monthly savings for retirement.

To learn more please call me or e-mail me today for a No Obligation Consultation.

Also, please listen to my weekly radio show,
“3 Mortgage Secrets Radio” every Thursday night
at 6:15 P.M. on 670 AM