A Perfect Wave – Private Job Creations, Oil And Rates Fall

• October 8, 2023
• realestate
• Podcast

Direct your financial resources towards freedom by reducing interest costs, while maintaining your current lifestyle. Take control, reduce debts, and rewrite your financial destiny today. In this episode, join us as we discuss financial empowerment and economic foresight. Discover the undisclosed strategies for lowering interest rates, maximizing loan benefits, and navigating your financial journey towards a more promising future. Today, we will simplify complicated financial terms to help you understand how to handle debts without refinancing and pay off mortgages in half the time without changing your lifestyle. Tune in now!

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Listen to the podcast here

A Perfect Wave – Private Job Creations, Oil And Rates Fall

I’m asking you, what kind of loan do you have? It’s understanding your loan. It’s not just your interest rate, it’s your interest volume. By the volume? No, it’s the volume of your interest. How is your loan? How is your obligation set up? Is it an amortized loan? Is it simple interest? Is that interest rate the amount and then you can pay principal as you like, or is it amortized where it’s heavily loaded upfront and there’s more interest being paid and less principal? That’s how a home loan is all setup.

We’ve been on the radio now for over seventeen years. I have been in the mortgage industry now for over 37 years, helping individuals save money. It’s not all about getting the lowest rate. It’s what you’re doing with that rate and how it’s set up. I had individuals that were getting these 2%, 3% and 4% and we were all celebrating, but your interest starts at 60%.

Take a look at your mortgage statement or go online. Take a look at the interest you’re paying and divide it by the overall payment, not with taxes and insurance or the mortgage insurance premium on FHA or PMI, Private Mortgage Insurance on a conventional loan. Take the principal and interest. What is your percentage of the overall payment? It’s heavily weighted in the initial years. Our goal is to attack that early and get further in the amortization period. You’re not only getting to 50/50, but maybe 18 to 22 years in, depending on your rate of interest. Let’s do something about it. Let’s attack that interest volume and I’m here to tell you how. I want you to give us a call. (888) 543-3980.

I’m going to ask you this very simple question. If there was a program to eliminate most of the interest in your life, pay off your debts, personal and/or business, even mortgages at as little as one-third or half the normal time without refinancing and without changing your lifestyle, would you want to learn more? If your answer’s yes, no obligation, I want you to attend a Tuesday night webinar, 6:00 PM. You can email me Webinar@AHeadForMoney.com to get your details on how to join that webinar.

You can also set appointments with me directly. Email me at Webinar@AHeadForMoney.com. I will then set an individual appointment with you. We’ve had a tremendous amount of response, a lot of appointments, a lot of first appointments, second appointments, and third appointments moving forward. In the first appointment, there’s no obligation. It’s all about you understanding your why, where you are, and what you’re looking to accomplish.

The Mindset: Pay Debt or Create Wealth

Are you looking to pay off debt or create wealth? Where are you in the mindset? Are you adding rental properties? We have many of our readers who are adding doors, creating additional income. If that’s you, I want to talk to you. We have individuals who are hurting now. They’re looking at their income and it’s barely covering. We’re able to help with that also. (888) 543-3980.

It was a big week going on in the interest rate area. We’ve seen interest rates move and fluctuate. We have the jolts number coming out on Tuesday about jobs that are available. It ticked up higher than expected. We had a knee-jerk reaction in the interest rate market. It spiked higher. We’ve seen interest rates hit highs of twenty-some-odd years now, so interest rates are at 7%. Depending upon your loan-to-value credit score, you may see 8%, but we’re trying to knock down that interest volume. If you want to know more about that, give us a call. (888) 543-3980.

We’re getting people qualified for lending. There are still lending going on. We have purchase loans refinancing for a reason. A lot of it’s consolidating some of this high credit card debt prior to us attacking that interest volume. We’ve been able to knock down 20% to 30% interest rates. Maybe we’re looking at Home Equity Line Of Credit, a HELOC. HELOC is interest only for a period of ten years. Even if that rate is 8%, 9%, 10%, 11%, 12% or 13%, it’s lower than the credit card. Simple interest at 13% sure beats 60% on that amortized loan. Let’s talk numbers. Let’s talk real numbers.

We had many individuals talking going forward, looking at pre-approvals and refinancing for a reason. We’re looking at interest rates that have moved up. They moved down, they moved around, they moved sideways all over the place, and we’re trying to maximize our return. We have a ten-year note at 4.84%, a 5-year at 4.81%. The 2-year is at 5.08% and the 30-year is at 5%. We have an inverted yield curve, but it’s gaining a lot more tightness to that and because now we’re looking at the Fed that’s talking about higher for longer, which means they may eventually stop, but they may not be able or looking at lowering for a longer period in the future.

We’re keeping an eye on that. We are watching what is going on and looking at loans that are 1-0 buy downs, maybe a 2-1 buy down, which means we’re buying the rate down in year 1 or even in year 2. I’ve helped with some of those contributions. What we’re doing is, from a lender perspective, we’re going to put in $400 for every $100,000. It doesn’t sound like a lot, but $500,000 is $2,000, and $1 million is $4,000 towards your close. That could be going towards your closing. It could be going towards interest rate buy down, but we’re going to look to contribute to that close. Whether you get money from your seller or you get money from your realtor, which does occur, or now from the lender, that will help you temporarily buy those numbers.

I do emphasize that you need to make sure you’re checking into whether you have a home now or you’re looking to buy a home. Check out your homeowner’s insurance. Make sure the ZIP code and the area is able to get covered. Make sure your carrier is even writing in those markets and make sure you understand the cost of homeowners insurance. Very important.

We’re finding many transactions now that comes to the last minute and they didn’t get their homeowner’s insurance. We go ahead and plug that in for the loan and then we got to get a little bit creative to keep that loan approval because the premiums are higher. We have individuals on refinances up in a month to three for renewal, and we need to get the updated premiums, and we’re finding them up to 39% to 150% of the previous premium. We’ve had individuals who’ve had a claim in the last 20 to 25 years, and their homeowner’s insurance is then not even renewed.

Make sure you get ahead of that. Check it out. You’re not triggering something, but make sure what your outcomes are. I made some calls. I was making random phone calls and checking out and they get all your information. They want to know everything, and then all of a sudden, “We’re not writing into California.” Tell me that initially because that’s what I was trying to find out, but they didn’t want to tell me until they had all the information. That’s fine. I’m finding out some of the carriers and what they’re then offering. Of course, it’s higher than some of the increases you’re even seeing with your current carrier. That’s if they’re offering you insurance. Make sure you stay ahead of that. If you want more information, give us a call, (888) 543-3980.

I can help refer you to a professional if you don’t have one of your own to talk about your homeowner’s insurance. We’re talking about your real estate life. We’re talking about your outlay, your monthly payments, whether it’s principal interest, taxes, insurance, PMI or mortgage insurance, or premium when it comes to FHA. We’re doing VA loans at 0% down. We do have a 1% down program, and we’re also gaining some grants and other items to make them even 0% down.

They are available. We have to investigate and find out in the area in which you’re buying, get a little bit of more area statistics and items from you, and then we can find out what we’re eligible for. We’re doing ITIN financing, Taxpayer Identification Loans, going right up to an 89% loan-to-value. We’re getting those done for those who do not have a Social Security number who look to move forward.

We have DSCR loans, Debt Service Coverage Ratio loans, for investors, even first-time investors who are looking to purchase. What that means is we’re looking at the income of the property, offsetting the mortgage payment. It’s a cashflow loan for the most part. We do want some minimum credit scores and we could talk about that, but we’re doing DSCR loans. We have commercial loans and construction loans. We’re doing some loans tied into energy-related arenas as well, so we can help with that full spectrum of lending.

A lot of people feel lending isn’t going on, and quite honestly, 60%, 70%, 75%, or 80% of lending has diminished to an extent because of the forcefulness of higher rates affordability, but lending is still going on, and we are here to help. We’re even contributing towards those closing costs. I want to make sure that you’re moving forward and making the right decision when it comes to your real estate life.

I was looking at some of the items that came out with the employment numbers. We added 336,000 jobs in September, blowing past expectations. It showed that the US economy doubled its forecast. We held steady at 3.8%, but we’re looking at hawkish items from the Fed talking about high interest rates for the foreseeable future, which means they won’t be lowering them fast. We may even see maybe one additional move here in November coming up, or even one in December.

The November odds went up to about 30% chance at the end of Friday. December went up to 45.2%. I don’t think we’re getting 2, but if we’re getting 1, it’s either one or the other. A lot of people are still pushing for the December idea, not the November idea, but again, chances went up a little bit with the strong employment numbers that did come out.

They also looked at July and August and it was revised upward. Another 119,000 jobs combined. Maybe employment’s holding down and holding up, but then again, maybe it’s some of the people entering back in and there’s a lot of odd things you could do with statistics. We saw a lot of the gains coming from leisure and hospitality. About 96,000 jobs. The government was about 73,000 jobs in healthcare and 40,900 jobs. That’s a lot of it right there.

We got to watch the sectors, understand where the items are coming from, and then realize also the costs and the jobs they are and what the salaries are. They are in no hurry to cut rates. Higher for longer is the idea and what is being now understood by the market. With that, we had a huge gyration up on Friday for mortgage rates, and by the end of the day, we came back almost full force and we were off a little bit.

We keep an eye on these things very carefully, and we want to make sure that you benefit in the best way possible. We’re looking at what is going on with the consumer. For the week, we saw the ten-year up 21 basis points. We saw the Fannie Mae security. It was up 96 basis points. What that means is higher rates. Rates were a little higher. I’m looking to push them back. We’re going to give that credit, as I said, $4,000 on a million-dollar loan, $2,000 on a $500,000 loan, $400 on a $100,000 loan and everything in between. I want to help contribute. We’re doing lender contributions either towards closing costs, rate buydown, and it’s going to be illustrated to you. This is no gimmick. We’re going to be delivering that for you.

If you are currently in the loan process with someone else and you’re happy, that’s fantastic. We are reviewing of loan information sheets and loan disclosures and various items. Closing disclosures, getting a little bit late in the game, especially if you are already locked in. We can step in middle endings, end of the game, come in and help lower your costs. Based on market and fluctuation, we had an individual who can’t say the other mortgage loan originator was doing a bad job, but it may have been odd timing.

Based on that timing, they were paying quite a bit. They went back in, they were able to get some savings. We didn’t write the loan, but they’re getting a lower rate and a lower delivery, and they saved money. My idea is to save you money. If the business comes back my direction, fantastic. If it doesn’t, maybe you keep us in mind the next transaction you have as the market does come back to 6% and even 5% in the future. We want to be your source, your decision, but I also want to make sure you make the right decision going forward.

We can’t help what happened in the past. We can start now and we can help create a better future. That’s what we’re doing when it comes to your money and your finances, your inflow, your outflow. Understanding where your money’s going, using the principles of money to eliminate your debt sooner. We’re not wiping out your principal. You signed on for that, but you didn’t necessarily agree to pay all of the interest. It’s up to you how you spend it.

We had a young lady. She was so proud. I talked to her and she said, “I made my first mortgage payment.” She was so very happy. It was the 28th of the month and I didn’t want to rain on her parade, but I said, “You made your first mistake.” She goes, “What? I made the payment. It’s due on the first. I made it on the 28th.”

I go, “Yes, it’s due on the first, but it’s late on the 15th. If you made your payment on the 15th, they didn’t care if you made it on the 28th or the 15th. It still wasn’t late. You didn’t have it late fee, let alone 30 days. It goes on your credit, perhaps, but you weren’t late. You were early, eighteen days early to be exact. If you did that every single month, you’re going to be 30 days early on an average for six months. That’s a lot of money.” Her payments were quite high, so she was going to be saving a lot on that cashflow.

Getting The Higher Return

How would you like to have your electric page, gas page, or water page because of timing on you releasing your funds that you’re giving to somebody else to earn a return on that you could have had in your account earning a higher return? I was looking at one of my accounts and interest rates now, you can gain 5% interest on your savings. Some of you are saying, “What savings?” We’ll talk about that.

If you have money idly sitting around at 0.1% and you think, “That’s what it gets,” no, it doesn’t. You can get a higher return. Let’s talk about that. Let’s cover those small bills that you cry about and say, “It’s an extra $15, $20, $30. Let’s get that money back.” I don’t want you living on $30 for the whole week. Let’s make it $60, $100, $200. Let’s get that discretionary money higher. Let’s attack that, work that together.

I want to set up a Zoom meeting with you. Sit down, understand where you are and let’s talk about it. Let’s see what we can do to manage your itemizations of bills better, more efficient, no obligation. I’d like to send you out a couple of items to review. Send to Webinar@AHeadForMoney.com. You can elect to attend our webinar 6:00 PM on Tuesday evening or set up a separate time with me. Let me know if that time is not convenient on that email. We’ll look to I’ll get you out my Calendly. We’ll set up a time that works for you. I actually have many different appointments, which is great. We’re helping individuals when they’re available. Usually, I have about half a dozen each day now in this marketplace because people have interest that they’re paying.

We’re taking people’s interest in debt-free dates down a third or a half of the current schedule, and you’re not changing your lifestyle. No pork and beans, no various changes. If you’re doing this, you’re still doing that. We’re going to evaluate where you are and we’re going to make a decision together that we’ve had enough. We’re going to move forward. We’re going to change the direction of your sail instead of fighting the wind. Let’s do it together. (888) 543-3980.

Still looking at where interest rates are. Yes, they’re higher. Yes, I do see them remaining in this vicinity until year-end. It will take a little bit into 2024 to start seeing some ability to stabilize at 7% and go back down to maybe 6%. I think 5.5% is our equilibrium where we’re going to have the existing individuals closing now, maybe refinancing back down to 5.5%. We’re going to see the people at 3% and 4% who have various issues and items of protection of that rate, making decisions that they can move, either sell their property or make decisions otherwise where maybe they refinance.

I think 5.5% is going to be that magic number some time in 2024 when we start seeing market balance and movement. We’ll keep an eye on that and understand when that may occur. We’re going into the election cycle, as we all know. Very volatile with that. We’ll see where that takes us. I’m keeping an eye on these items for you, but my goal is to save you money now. If you’re at 3%, you are paying over 60% on your payment, and I want to show you how you can attack that earlier and knock years off your loan.

Yes, you can throw extra. You can round up. You can get on the dartboard, but you may not be hitting the bullseye. It’s a perfect financial GPS program and opportunity I’m talking about. Go back in the old days, whether it was yourself or maybe it was your parents or grandparents. You get into the car, and you’re going on a road trip. Maybe you did this even and took it out of the glove compartment. Those roadmaps.

You put them on the wall, maybe in the car. You’re spreading them across the dash or trying to figure out where not to interfere. Maybe you pulled over, but you’re putting them on the wall and you’re plotting where you’re going and where you’re going from. You’re putting up pins on there, you’re putting various things and yarn and going through, and you got the whole map.

That’s fantastic. You found the best path, the best highways, but no one’s telling you what’s on the highways, what construction’s being done, and perhaps what bridge is no longer there under a construction or demolition. You may have to alter those plants. That’s the way it was. You had terrific stuff, MapQuest. It showed you the efficient road map. You were able to have that now, instead of plotting out those maps and trying to figure out how to fold them back up, but you still didn’t know what was going on that path.

You then started getting items that were even more efficient. They did tell you. What you got then is a perfect scenario where you’re driving and maybe you made the wrong turn and tells you to recalculate and gets you back on path. Some of those still didn’t tell you what was going on in the traffic until some did. There were improvements in technology that you started utilizing. You started moving to more efficient solutions, and that’s what I’m asking you to do about your finances. You may know the intricacies of driving and getting there, but what path are you taking to get there more efficiently with your time and make the right decisions at the right time for the right reasons to the penny?

I want to talk to you about a perfect financial GPS program. Let’s have an open mind, understand how that works, see what it can do, and make a difference. This is not envelopes, putting money aside and deciding, “Let’s pay off the lowest one first.” That’s not a bad way. It makes progress, but it’s not necessarily the most efficient. I commend you for getting involved in the idea of managing debt. Let’s do the most efficient one and let’s expose yourself to that ability to do so.

No obligation. Webinar@AHeadForMoney.com. That’s either to attend the webinar, send me an email or you can go ahead and let me know that’s not a convenient time at 6:00 PM on Tuesday to get the access information. We’ll set a time, whether during the week, during the day, evening, or whenever that may be. Let’s set a time for a one-on-one. To start, I’m going to give you four items I’d like you to review. One will be a demonstration, a partial presentation, and a couple other items of information so you get a little bit more background so when we talk and meet, it’s going to be more about you.

I want to know where you are. What are the goals that you’re looking to obtain and go forward to do? Let’s make this about who is important. It’s you. It’s you creating a better future, a better family dynamic, understanding where your money goes and making sure you’re using it the most efficiently possible. Under the banks program door number one, you are on their program, paying the amortization and the interest and doing all of that all throughout.

I want to open door number two. I want to show you how you can eliminate debt sooner. Door number three is where we can look to create wealth. Let’s do that. We’re talking to past clients, current clients, and future clients like you. We want to make sure your future is a brighter one regardless of the current interest rate environment. You may not need to refinance. You may not be looking to purchase, but you tuned in for a reason. We’re going to help eliminate your debt sooner. We’re going to create a better future. Go to YourRealEstateLife.com or United4Loans.com.

We’re talking about interest rates. Yes, they’re higher than they have been. We’re looking at twenty-some-odd-year highs, but we’re also looking to position a loan and make sure the debt structure makes sense, but we’re also looking to eliminate most of that early interest. We’re looking to accompany that with utilizing money in a perfect financial GPS. If you’re in the purchase market, you’re thinking about refinancing, you’re consolidating debt. Maybe you got credit cards in the 30% and the 20% and all that fun stuff. I want to help get that to a lower position. If you have equity, great. If you don’t have enough, and maybe it is talking about refinancing, we want to put that in perspective and we want to improve your cashflow.

We had a client with whom we did a consolidation, as a little over $50,000. They consolidated a lot of their credit card debt, and consolidating that debt lowered the minimum monthly. When we lowered the minimum monthly, we were then able to apply the difference back towards principal. Now, we’re on an acceleration path. We’re looking at a perfect financial GPS program that’s going to almost double down on those savings, and we’re going to put his position in the best place possible.

Every Individual is Different

That’s what I’d like to accomplish with you. Every individual is different. Your priorities are different, and your obligations, whether you have the higher grocery bill or you’re doing this or you’re doing that, I want to know all the ins and outs, and we’ll discuss that in our second meeting. I want to understand it, but we’ll do a homework assignment, will run your numbers and have your results with no obligation.

(888) 543-3980. Let me know you want more information on the perfect financial GPS. I’m looking for a name, email and phone. I’m going to send you out those links of those items and then it’s up to you. Let’s set an appointment and let’s talk more about it. More importantly, I want to ask you let’s say you did a home loan, whether it was this 2023, last 2022, 5 years, or 10 years ago. Now, you’ve been paying a lot of interest on that ten-year one. Maybe you refinanced in the last few when rates were down. Maybe you worked with a loan professional or mortgage loan originator. Has that mortgage loan originator contacted you about eliminating a lot of that interest volume?

Has your real estate agent, your realtor, discussed with you the ability to obtain a real estate holding or investment property and accelerate the ability to gain equity by eliminating interest volume? It’s a benefit for you. It shows how you don’t have to pay as much interest over the life of the loan. Why haven’t those professionals, your CPA, your insurance agent, your financial planner, discussed the ability to attack early interest?

This is not forgiving interest. It’s not deconsolidation, it’s not going to be. Getting rid of the principal and ruining credit? No. By all means, it’s actually improving credit. Why haven’t they discussed it? Some of them don’t know about it. Some of them don’t understand it. Others, they’re more transactional. They’re looking to close your loan, move forward, close your real estate deal, and maybe come back.

We’re not talking about them having a second job and another whole obligation, but it’s understanding the principles to allow you to succeed and move further forward with your debt structure. I’m inviting you to a Tuesday night webinar. I invite these professionals to a Tuesday night and even a Thursday night professional webinar.

Doing that means understanding the concept and how you can go back and talk to your current, past, and future clients and show them a better path. I’m going directly here to the consumer, but I’m also talking to you, the professional with a consumer database of individuals. Perhaps you’re in the mortgage industry and you’re not sure how to talk to people who have a 3% loan and talk to them about lending.

Why don’t you talk to them about eliminating interest and taking that interest volume down. Taking that effective interest rate average, whether credit cards or mortgage debt, and taking it down below 2% without refinancing, you’re helping your current database and clients create a better future. There’s no obligation. I’m not looking to understand who your clients are and take away those from your database in the past. No, I’m here to help you retain that database and offer them a benefit that they’re not getting now.

I want to hear from you if you’re a professional insurance, financial planning, CPA, realtor or mortgage loan originator. (888) 543-3980. We could discuss and understand where you can gain some of the information, of course. Understand what it is we’re talking about, how it can have an effect on your current book of business. Understanding that you’re bringing a benefit to your clients, which in turn give them additional discretionary monies, allowing them to be further covered or protected for their financial future. Many of your clients, and many of you readers are struggling now. Interest rates are higher. Insurance is going up in various areas.

You have costs going higher, the grocery bill, the gas prices, although they’ve gone down a little, we still have 6%, but you got all of these expenses. I want to give you back money that you can utilize for necessities and needs. Set up a better mouse trap. Let’s get it done together. (888) 543-3980. We have a calendar of economic news. We have Dallas Fed President Logan. He speaks on Monday. We have Fed Governor Jefferson. He’s also speaking at 12:50 on Monday, Eastern time. Early morning stuff is going on.

On Tuesday, NFIB optimism index. We’ll see what’s going on and how optimistic we are. We have wholesale inventories. On Wednesday, we have the producer price index, core PPI. We have PPI year over year. We have minutes from the Fed September meeting, so we’re actually going to see the words that were said. Usually, there’s some reaction there. We have initial jobless claims on Thursday, consumer price index, core CPI, CPI year over year and much more. On Friday, we have import price index and consumer sentiment. Monday, the bond market is closed. Indigenous People Day, Columbus Day. We are looking at the bond market closed so we’re not seeing the yang to the yang and the trades going off. We’ll see what volatility comes on Tuesday.

The ten-year treasury is up. We have mortgage-backed securities that were off about 31 basis points on Friday, causing mortgage rates to go up a tad over the weekend. We’re still looking at loans closing anywhere from 7.25% to 7.75%. Depending upon your credit score, it can see an 8% or cash out. We’ll take a look and see where is favorable when it comes to a refinance and our purchase loan.

As I mentioned, we’re contributing money towards the close or buy downs. I’m contributing $400 from the lending side for every $100,000. That’s $2,000 on $500,000, $4,000 on $1 million. My goal is to try to subsidize where I can. I’d rather get the loan done and earn your business in the future. I want to make sure we can get these transactions handled. We’re doing home equity lines of credit, some as little as it five days I’m going to close. Depending on how we want to set these up, I may need additional documentation.

Some of these we’re able to do with an appraisal that’s being done online without having someone come out. That helps many get the loan done. If you’re looking to tap some of that equity, as I said, even 13% is better than the credit cards and outstanding balance you have, then we can apply more money towards principal.

Use a discretionary to knock off interest volume because that 13% is better than your 3% first mortgage that you’re still paying over 50% interest volume. Take a look at your mortgage statement. If you don’t believe me, take a look at the interest rate, but take a look at the interest you’re paying each and every month. What percentage of that interest is of the total payment? Are you paying more interest than principal? Chances are you are.

We have a large amount of appointments. We’re meeting with individuals on virtual meetings as well as phone meetings. We are taking care of business (888) 543-3980. If you have an ability on a Tuesday evening to attend a webinar at 6:00 PM, I would like you to send me an email to Webinar@AHeadForMoney.com.

If you cannot attend on a Tuesday night, send that email still. Let me know that doesn’t work for you. Let’s set a time that’s right for you. I don’t care if it’s during the day, evening, whenever that is. We’ll find that time that’s convenient. In the meantime, I’d like to send you out some information for your review. Very easy items that are video items that you can watch. You don’t have to do homework. You don’t have to go read. If you want to read, that’s fine. I can send you reading material as well.

These are very easy items you can watch with a demo and some information and then you’ll be better prepared when we have our meeting. Webinar@AHeadForMoney.com. I remind you that on Monday, the bond market is closed. We have LA and Riverside County also closed on the recording office, but Orange County, San Diego and Ventura is open.

Depending on where your transaction is, it may add additional time to your close or time to get your item handled. Check-in with your mortgage loan professional or other professional as it comes to the recorder’s office. We have that covered with our clients and they’re fully understanding and making sure that lock is still in place. We’re making sure we pay attention to detail. We’re making sure we’re spending your money the way I spend mine sparingly. I want value for my money and so should you. If you’re paying too much, your lender loves you. You don’t need that love in your life. We’re finding that out now when it comes to credit card debt.

We have individuals that are telling me they’re up at 32%, 28%, or 24% on a credit card. They’re now paying hundreds of dollars of interest to their credit card company. It was a surprise. All of a sudden you get a statement. You have this charge you didn’t recognize and it’s the interest. Let’s talk about doing something better. Saving money. Maybe it’s a little at a time to be a lot at a time, but let’s start making some decisions about money. (888) 543-3980.

We’re churning up your frequency by churning down your interest volume. We are making a difference. We had a family that was able to take their 28 years of debt. We took it down to 7.2 years. We had crying on the screen. “How is that possible?” was asked. We illustrated and showed how. Yes, it’s very difficult to understand all the algorithms and lines of code. Of course, we’re not going into all of that. It’s understanding about timing. It’s understanding about utilizing your money becoming the bank. It’s not having to make these decisions, but have a perfect financial GPS spitting these out, showing you what to do, when, and for how much.

How about being and having someone smarter in the room than you who doesn’t talk back? That’s how I like it. I got somebody doing this and helping me do that that doesn’t talk back. I took my 26.4 years because I’ve refinanced in the past. I sold my home and bought a new home. I took that, which I was going to take down to about 12.3 years by doing, knowing everything I do, which was fantastic, but running it in this opportunity took it down to 7.9 years.

That additional four years plus was saving me so much more money. Why would I leave that money on the table and work hard when it can come very easily and save me even more money? That was the question I asked myself and I answered it very quickly. I moved forward with the perfect financial GPS system, and I have it. I utilize it. I’m now a trainer in that opportunity and I help others move forward and understand it.

Many of the people that I’ve gone forward to with the opportunity know it. I’m learning from them. I tell people that initially. You’re going to be doing this so darn well and you’re going to see things that I didn’t see and teach me even things that I don’t know as a certified trainer. We’re helping people save money, have a better dynamic and future when it comes to money. You’re not throwing it around. If you got more money to throw, throw it my way. I’ll take it. (888) 543-3980.

We’re helping those who need more. We’re helping people who have, who are looking to grow bigger and faster and create more income opportunities. We have people who are buying additional property, looking and paying off properties within four years. We have people that are adding 1, 2, 3 properties, paying off all 3 or 4, including the primary, in 18 years.

If that’s your desire, we can do that or leverage that money to buy additional properties, additional doors and have more income coming in. There are so many things to talk about. This isn’t a snowball. It’s not a debt avalanche. It’s not talking about velocity banking. It’s incorporating each and every single one of those items, if you wish, with a perfect financial GPS program to guide you through the way without guessing, without waiting for a monthly statement to tell you what you should do next month.

No, you have control of your finances. Nobody is touching your money. You still have to put your hands on the steering wheel and drive the car, but it’s giving you the correct directions in order to do so right there at your fingertips. It is that easy. You’re not giving your keys to somebody else and you’re in the backseat asking permission. No, you are in control but have a better map to follow. (888) 543-3980.

I don’t want someone in my finances. I don’t want someone in my bank account. I don’t want someone making transfers and saying, “Are you good with that?” No. I want to know what’s going on. I don’t need to be doing all the computations and 400 pages of spreadsheets and all the fun stuff. If I have a featured item that I can look to for predictive analysis of when I want to do this and when I want to do that, what it takes and what I should do and it automatically shows and tells me, and then if I decide to do something else, it tells me what the repercussions are, sign me up and I did it. I did sign up and I have done it and I’m saving a lot of money and I need you to do the same and take a look.

No obligation. If you’re a business professional, you owe it to yourself and your clients to show them a better path. No licensing is required out of state. No licensing is required in your state. This is an item that I can show you how you can add value. You’re not taking on a new job. You are adding to what you are doing now and showing your clientele how they may be able to afford other items that can help them further doing what you do or even help yourself.

If you’re a realtor or a real estate agent without designation there, you can show your clients how they can save additional monies and don’t pay the high interest volume of now with higher rates. The interesting thing is I had a client who is sitting at 3% and I have another client who is sitting at 6.5% over the course of 30 years. The difference was only about 52% versus 56% on the total interest paid.

Do you remember on your loan info sheet or the closing statement you had on the very bottom? It says TIP, Total Interest Paid. That’s the tip you’re paying the bank. It’s us being able to knock that down by not going the full term and duration. It’s knocking down the early interest volume so that way we can get to that principal. At the end of your loan, over 30 years, if you looked at an amortization, you barely have any interest left. It’s pretty much old principal because they already took all that from you upfront. I want to reverse this and have you become the bank. Let’s get into the middle years very early. I’ll show you how (888) 543-3980.

The Thing About Rates

It changes the whole dynamics of lending. Rate is important, but not as important as you may think. It’s how it’s being paid back and the way that it’s set up that’s most important. It’s not necessarily the fine print, but in that fine print, which doesn’t change from an amortized loan, that is where it’s telling you and stacking that against you in the early years.

When you refinance in 3, 4, 5 years, you’re starting that interest volume cycle again. You may have lowered the rate, but you’re still starting at higher in those double-digit amounts. My thought is if you’re saving that money and we can apply that towards more expensive debt, now your money is working for you rather than the bank. It’s a question of your allegiance and who you’re sending that money to and who you’re wiping out at what timing. Understanding how to do that effectively is the key. (888) 543-3980. We talked about various types of loans. I talked about a 30-year fixed rate still at 7%, and at 8% in some cases, depending upon what you’re doing and what your scores are.

I talked about giving credit towards your close $400 for a $100,000 loan. $2,000 for $500,000, $4,000 for $1 million. I’m looking to do a lender credit, so I’m offering that to you now. If you’re looking to have your items reviewed and your current process, I’ll be happy to do so. I want to make sure you’re getting the right directional move. Your current mortgage loan originator could be doing a fantastic job. I’d love to tell you that’s the case.

I’d like you to close there if possible because where you are, it’s important, but I want to make sure you’re not sending extra money just because. Maybe someone referred that and you don’t want to upset anybody. I want to make sure it’s you’re not upsetting anyone, but you’re upsetting yourself because you’re throwing extra money not to upset somebody. That’s ridiculous.

Let’s talk about your money and keeping it with you. Also, as we get closer to Thanksgiving, we’re going to be having the official word coming in from Fannie Mae, Freddie Mac with the new loan limits and based upon prices, home prices haven’t gone down. On that note, some of our investors are taking a new loan amount, anticipating a direction. Now, a one-unit property, $726,200 is the conforming loan limit. We’re taking up to $750,000, so it doesn’t sound great, but $23,800. If that makes a big difference, we can go up to $750,000.

The high balance limit of $1.725 million, we’re going to move that up to $1.125 million. We’re helping individuals doing that. We’re doing it on 2, 3, and 4-unit property Fannie and Freddie loans, not jumbo, but we’re doing it on those conforming loan limits. If you want to talk to us about conforming limits and your type two purchase, that may make a large difference.

We can also look at doing a first with a small second. That small second is a higher rate, but it’s paying less interest because of the interest volume. We’ll talk about that. Some of these first or second ideas are not a bad way to go, and I can show you how to utilize that to save even more when it comes to your first. There’s a lot of things that we can show, but it takes you to make the call. (888) 543-3980.

I am looking to reach back to each and every individual. I want to make sure your interest volume is being knocked down, whether you’re doing a transactional loan or whether we’re talking about reorganizing some of the items that you’re doing to create a better future. Let’s talk about knocking out that interest early to get into that principal. A perfect financial GPS program. I want to talk to you. I asked a question at the beginning of the program. I’ll ask it again. If there was a program to eliminate most of your interest in your life, pay off all your debts, personal and/or business, even your mortgage in as little as one third or half the normal time without refinancing, without changing your lifestyle, would you want to learn more?

I should hear a lot of yeses. Would I like you to do with that? Yes, you have a couple of choices. Email me at Webinar@AHeadForMoney.com. Either you can attend on a Tuesday night at 6:00 PM, even if you can’t, let me know. We’ll find a time that’s right for you. In the meantime, I want to send you out some items and links for you to watch. Watch, not read, and let me know what you think.

Based on that, we’ll set a time. If not, you’ll do what you’re doing now, but I want to make a better future for you. I’m not looking to charge for that time, whether it’s a first or second meeting, and I will run your numbers and come up with an outcome that you can then decide. I’ve been showing people saving $50,000, $100,000, $200,000, $400,000, $1 million in interest, depending on how many properties and items they had. The more you have, the more we’re saving.

Usually, the shock that I get from people is, “Oh my gosh.” What are you doing otherwise to obtain that kind of result? I don’t want you throwing darts after you’re being spun around. I want you to hit the bullseye. Let’s do that together. It’s very rewarding when I sit down with a couple, understand after, “I’m sorry. You go through the shock of organizing and understanding exactly where you are,” but we are looking to move forward from that.

Not doing something is not creating a new result. Let’s create a new result and move you up the ladder and let’s have a better one. Let’s expand your holdings, or let’s gain a position where you now have money coming in, subsidizing what’s going on in our society and world. Let’s make a difference. (888) 543-3980. It’s exciting to be here again. I’ll be taking your phone calls at (888) 543-3980. Until next time, what kind of loan do you have?

Important Links

• Webinar@AHeadForMoney.com
• United4Loans.com