Text Box: Your home mortgage or investment home is the most important financial decision you’ll make.  I want to make sure you make it for your benefit and not some other persons pocket book. 

Text Box: I have a client who asked me to look over her home loan she’d contracted for last year from a good friend.  She was wondering and hoping that she’d received a good loan.  After seeing my course on Demystifying the Loan Process, she was seeing evidence that the loan wasn't as good as the mortgage broker said it was.  He said, “It's the best loan for you and it's the only loan you could qualify for.”  He insisted that the particular loan was just right for her.   Well I looked a the paperwork and loan docs.  He was right. It was the best loan possible for someone... but it wasn't for her.  It was the best possible loan for him!    Well maybe for her too you say.  You may be thinking it's ok if he's making some money (just wait till I tell you how much) and in return she got a great loan. You know, like paying extra for quality.   Nope.  He not only took a hefty sum (I’m getting to how much), but he buried her for a lifetime (of the loan at least) of higher payments, just to the tune of $6,207 a year.  Now how many years do you want to add up at $6,207 per year to see how much he burned her for?    Wait, you say.  Just get a new loan and stop losing $6,207 a year… Ahhhh, but there's a prepayment penalty (PPP) of 3 years.  You’ve heard of the gift that keeps on giving and giving well here’s the loan that keeps taking and taking and taking.  Are you starting to get the picture?     Now I want you to know the prepayment penalty (PPP) is not the culprit here. A PPP is only a feature - not good or bad.  If you opt for a PPP in your loan, which benefits the lender, then you'll get a benefit in return ...well if you know about it that is.  I’ll teach you the proper way to use a prepayment penalty to your benefit in Demystifying the Loan Process.   I’ll also teach you that loans are very fair vehicles, investment vehicles, of equal give and take, but again, only if you know about it.   Yep you're right...only the mortgage broker knew about it  And guess how much he profited from that little bit of information that he DIDN'T share with my client?  OK.. I'll get to it now. But first let me tell you how much extra it cost her.  The PPP decreased every year for the three years.  The first year she would have had to cough up $12,234.  She came to my seminar almost exactly one year after  the original loan was in place and her PPP was a mere $5,447.  Wow and that was after a year.    OK let's see how much her so-called friend ripped her off for. Loan Amount was $418,000 He took 1 point up front = $4,180 A very large fee for what he actually does, but considered fair in most circles.   He told her to take a 3.41 Margin (I’ll explain Margins in the course).  Yes that was high at the time.  He could of offered her a 1.925 margin or even lower.  But the 3.41 margin provided a larger rebate and it escalated even more with the addition of another factor…the PPP length.   0 yr PPP   0 point 1 yr PPP  .5 point 3 yr PPP   2 points   He chose the 3yr Prepayment Period (I wonder why?) so add a rebate of $8,360.  Now that is the borrower’s money….if they know about it.  (Don’t worry, I‘ll teach you how to know about that)  Do you think he told her?   Right again, so add another $8,360 to his take.   So her friend helped himself to $12,540.  Wow!   Holy Mackerel or Holy something like that.   Something a lot smellier.  If that’s a word.   Here’s what it cost this client:       In just the first year!      WOW!        

Text Box: Rebate not explained          $8,360 Larger Margin                    $6,207 annually PPP after 1 yr                    $5,447 ———————————————— Total                                    $20,014

Text Box: Don’t let Mortgage Brokers  Steal your money!  Learn from Mike how to get the loan that’s best for you and not some Mortgage Broker! Text Box: J. Michael has been a loan consultant for over 27 years.  Mike became a Real estate Broker in the 80’s.  Early on, he realized a major key to real estate is the financing, so he began teaching his clients cost-saving loan techniques. He became known as the Loan Genie in the late 80’s and 90’s for his ability to demystify the lending process and maximize clients’ returns.  His DVD, on “Loans and Their Use,” is an invaluable resource to real estate owners and investors.  His clients have saved thousands in loan fees and maximized their equity position with his help.  He has spoken at various Real Estate boards and organizations.  Join Mike as he helps ‘Demystify Real Estate Loans’ and shows you how to make loans an invaluable tool in your Real Estate investing adventure. Text Box: That's an unusual case you might say...well I used to think so...but I was quite wrong.  And so are you if you think that’s unusual.  Every seminar I conduct, at least one person comes up to me and tells me they just realized how their mortgage person, and often their friend, helped themselves to $5,000,  $10,000 or $20,000 of their money.   On a recent trip to the Colorado River, I talked with a woman, who owns a processing company.  She told me of a mortgage broker client who helped themselves to over a $70,000 commission from just one client with loans on three properties.  This happens not only on Option ARMs, Neg-Ams and Freedom loans but also on what you might call regular loans like 30 year fixed loans.        

Text Box: I'll tell you about another trick mortgage brokers do to take your money. . .  Holding off locking your loan rate until rates move favorably.  They’ll tell you if the rate goes up and charge you accordingly.  But, they don't tell you if the rates drop, creating a larger rebate or less cost.  Instead, they take advantage of it themselves.  Again too many thousands of dollars passing hands without proper disclosure or explanations that are understandable. 

Text Box: . . . you really can be in the driver's seat. Mike gave me more of a feeling that I could be in control of the process, and less like I'd just be holding my nose and jumping of the deep end, hoping to swim and not sink! Just talking to a lender and not being snowed by the jargon! Mike's title for this seminar is perfect - he really does clarify a very complicated process. And he tells you what you need to look out for to keep from being taken advantage of. Not just overcoming confusion and fear, but realizing that, when it comes to getting a loan to buy a house, you really can be in the driver's seat. Approaching someone to ask for money is quite daunting! But understanding how many lenders are out there, and how it all works (you are, in fact, making them money!) you are in a good position to find someone who will get what you need. You don't have to feel like a beggar with your hat in your hand! Understanding the "relationships between the numbers" - realizing that the rate is not the only thing you need to know. (For example, negative ash flow combined with high appreciation; or why a higher rate over a shorter period of time might be better than a lower rate indefinitely.) Mike is a great teacher. His intelligence and sense of humor, combined with his comprehensive knowledge of how loans are put together and how they work, as well as his compassion for those entering into this rather intimidating process, all make for a very positive experience. Who would have thought a Mortgage seminar could be fun? D. Legrand

Text Box: So you see...many people, including you, have and might get ripped off or robbed or extorted or screwed for big bucks.  That's what I'm going to show you….How to use YSP or rebates to your benefit and not some money grabbing mortgage person.    That’s just one of the benefits of Demystifying the Loan Process.  You don’t have to be dealing with an unscrupulous mortgage person to loose thousands!  Many borrowers hang themselves from ignorance that can be easily taught and learned.  And that’s the main goal of  Demystifying the Loan Process!   Let me tell you a little about myself and the course ...

Text Box: Before I  tell you what’s in the Demystifying series, let me tell you the costly experience of one person . . .

Text Box: Let’s get to the course and the critical aspects of a mortgage…. A Video peek at Demystifying the Loan Process   · What kind of animal is a loan?          How are loans created?           It’s an investment?           How does the Bond market and MBSs figure in this?     · Who’s the best: Direct lender or Mortgage Broker?          The answer just might surprise you          What is a direct lender?          What is a Mortgage Broker · The joy of Choice!           The many ways to apply for a loan.           Choose how to apply for a loan that suits you best!       · What!  No more Mortgage burning parties?              Loan Types:  True and steady or lean and mean.          What’s your  Property Type & Limit?   · Those funny Initials…aren’t really that funny!          DTI,  PPP and PMI:  Critical to how much you pay now or later.       · Alright…So what’s the rate?          How do Lenders Price loans          Becoming a loan consultant                 · What are all those fees?          The usual suspects:  GFE, HUD1 est. and final!     · The Loan Process          What’s the secret to fast closings      Strategies that keep thousands in your pocket. . . . . . And thousands out of theirs!   · Loan strategies that meet your needs and goals!              Are there FREE loans?              The Dirty secrets Loan Brokers don’t tell you!          Goals are most important.           Make loans your clay to form your dreams and goals          What are your Crossover rates? · Avante Garde loans            Option ARMs or Neg Ams: strengths and gotchas          Reverse Mortgages · Don’t Touch That Equity          Remember the Depression!          HELOC vs Refi for Seed Money · EXIT strategies          Doesn’t have to be a 4-letter word. · What’s your buying quotient?          How we determine using the CIA          What is the best loan for you?   Bonus Section   · How can so many people purchase 2, 5 10 or more homes? · Unique opportunity in history · There is much much more   I’ll also teach you Secrets of the trade...most mortgage brokers don't know.  I’ll turn your brain upside down when I prove to you that a 7% loan rate is most often better than 6.4% rate?   I developed this DVD series because my Demystifying Loan classes are always full and people stay well past the end.  But I found they needed a follow-up or booster to remind them of what they had just learned.  The DVD goes into greater detail and it’s all lean meat about your most important financial decision...your mortgage. That’s where this DVD series comes in.  You can keep it as reference to go back to time and time again.   DLP (Demystifying the Loan Process) is not for everyone.  Although, I can’t imagine who couldn’t benefit from saving thousands from their properly structured mortgage...even if you’re a renter!           Start Saving now by taking one of two actions:   (How to Order) Option A… go to the email link below and order as a preferred customer, I call the Favored Friend Program (FFP).  This is the special pricing prior to the New DLP later this year...only $197.05.   You'll immediately receive the current DLP upon payment. You'll also be sent DLP 2008, when it is complete, for a handling and shipping fee of only $19.95. That's a $180- $80 savings.   Send an Email to this address:  DLPDVD@SeeBrook.com  and Place FFP in the subject area.    We will send you a Pay Pal Link for ordering and Payment.  You do not need to have a Pay Pal Account for this transaction.  They will setup a one-time order for you.  . . . or go direct to our order page by clicking on this link:   Start Saving Now     Option B…be sure to get on the early notification list if you’re not on it already by going to the link below.  I’ll be giving particular attention and a few other special items to those who pre-notify early.  You’ll also receive the newsletter full of new information and basic tips.  Entering your name for the pre notification affords you the option to receive DLP 2008 when I release it at $297. I'll release DLP 2008 later this year at $397.  Yeah, this option saves you a hundred bucks, but the Option A above saves you lots of money and gives you an extra product!   To be placed on the Pre-notification List for DLP 2008, Enter your name and one question... www.AskYourLoanQuestion.com Ask the most important question or questions you have concerning loans or mortgages for your home or investment properties.    SeeBrook:   1100 Irvine Blvd 795,  Tustin, Ca 92780   714.288.1309

Text Box:

Text Box: Get the rates that are best for your financial future!  ...not some mortgage lender or brokers back pocket   It won't matter who does your loan... ...once I teach you the guarded secrets of mortgages!   No more Hidden fees or loan closing surprises!   Never get ripped off again by a mortgage person!     I don't care who your lender or loan broker is.  A friend, a referral from a friend, a church member or a voice on the phone.  This information will save you thousands and even more over the life of your loan...no matter who you use!