Bad Economic News Is Bad News

• January 20, 2023
• realestate
• Podcast

No matter what you do, you can’t create the wealth you deserve and save yourself out of debt with today’s economic state. You don’t have to stay on that route during a bad economic state because Michael Harris, the President and CEO of United Mortgage Corporations of America, brings his Financial GPS Program to guide you to a perfect financial route without changing your lifestyle. Michael also touches on what he needs to help you with the possible outcomes for eliminating that debt and improving your credit score. If you want to know how to boost your credit score, eliminate your debts, and walk a perfect financial route, reach out to Michael today. Tune in to this episode to gain more insights from Michael and achieve financial success!

Michael A. Harris – Host

Phone: (888) LIFE-980

(888) 543-3980

Fax: 800-778-0663

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Listen to the podcast here

Bad Economic News Is Bad News

Welcome to the show. It’s your day in real estate radio. I’ve been doing this for over 36 years in the lending industry and over 17 on the radio, and I want to talk with you. Pick up the phone and give us a call at (888) 543-3980. Thank you for reading. We have that week off, but they are reading and streaming at KVTA.com. You can catch this show and any of our past episodes by going to our website at United4Loans.com or YourRealEstateLife.com. You can go back and read and go fumble through the four segments and figure it all out or pick up the phone and have your own very own show.

It’s not that entertaining to go back and read. Let me entertain you directly. Call me at (888) 543-3980. We’ll talk about what you got. What are you doing? Are you renting? Does your landlord love you? You don’t need that kind of love in your life. You need to make it stop. Do you have current obligations, credit card debt, double-digit interest rates, student loans, or car payments? We’ll talk about that.

We’re going to look at what you owe and come up with the best plan to help eliminate that debt as fast as possible without changing your lifestyle. We’re also going to look at gaining the best interest rates when it comes to your loan. Some of you may say, “I got 2, 3, or 4 as the front number.” There is nothing you can do. If you look at the other items you have, how much are you paying? Can we utilize what you have to come out with a better outcome? A loan isn’t the only way to do that.

We have an opportunity to help eliminate your debt and obligations so much sooner. I’m taking mine down of a two-thirds the time that it was. That’s not paying extra money on a monthly basis. It’s using my current income and cashflow in what I’m doing. I’m effectively saving over $200,000 of interest. Sounds enticing, isn’t it? Now, that’s just the interest savings. Let alone when I pay it off sooner. I’m also now not having to pay that principal again because I paid it off so much earlier because the balance is gone.

I’m now creating wealth. We’ve been talking to a lot of consumers and we’ve been very busy with that. We’re in the double digits as far as individuals spoken with. We’re setting up appointments and spending the time. We’re having shared screen conversations. We’re inputting their information and coming up with those results. I’m looking at the face and they’re looking at their spouse and going, “What?”

The interesting thing about it is we have both spouses looking at it and they’re understanding it. It’s eliminating that conflict of argument about what to pay, when to pay and how much to pay because this opportunity tells you exactly what to do, when to do and how to do it. It’s doing it more effectively than something out of your lane or over your skis. I’ve been in the finance game for a long time. I have a degree in that, but this opportunity is doing it slightly better than I would do with honestly, less brain power because it’s giving me all the results and in front of me.

The Perfect Financial GPS program

If you have fifteen minutes to work with your budgeting, which you probably spend a lot more time on that, this is going to be the effective item that you need and the perfect partner, the perfect financial GPS for you. What I do is something different. I open it up on my screen. I have it there. I look in the morning, “What’s on the schedule? Nothing today. A couple of things tomorrow.” Making sure in my mind I’m ready for that and tomorrow, I open it up, then I’m going to go ahead and execute and take care of that. It’s done.

I already have that perfect plan there logged for me. It keeps track of what’s in the accounts and moves it over. Moves it up and moves it over there. It’s incredible. It eliminates the monies to the equation as far as what to do and when to do it. Now some of you have your perfect system. You put it off to the left or the right of your desk. You shove it off your desk altogether. You hate numbers and you deplore handling these items. Some of you are doing better than others. Your credit scores reflect that. We’ve been able to help boost credit scores as well. Let me show you how. Send me an email at Radio@United4Loans.com or call me at (888) 543-3980. It puts me to work for you to show you what you can do. No obligation, just information.

I’m here to help you when it comes to money in your day-to-day. I want to make sure your mortgage, your home loan is the right loan for you and your family. You’ve done a very good job in the past and it may be the right loan for you, but I want to effectively retire that debt as efficiently as possible. What we’ve been doing with our clients, past clients and as well as our future clients and you reading. We’ve been able to input your current items into a program, a perfect financial GPS program.

It takes what you are doing and when those loans will be paid off based on your current terms that we enter in. You’ll have help doing that and it’s not a big chore. It will let you know what can be done because the program is going to go through all the possibilities, all the different light items of a code and everything else is going to compute and contribute going out 90 days but going all the way out to pay off but showing you in front of you 90 days.

Entering in your monthly obligations, the reoccurring ones. The ones that will eventually be retired, going away and going through an efficient process to eliminate interest faster and more efficiently. Taking obligations from the twenty-some-odd years down to 10 or 12 in taking loans and payments are down to even single digits. We have clients that are almost debt-free.

They take on older obligations. This is not mortgage debt-free. This is debt-free. You’re going to have current obligations like your gas or electric and various other items that are reoccurring the show up, but are debt-free. We have individuals who have rental property and freeing up to buy more rental property. That is their desire and that’s what they want to do. Now, they have more doors, more rent, and more income. With rents, those rents are paying off the principal interest taxes and insurance.

They’re gaining loans to what is called a DSCR loan, debt service coverage ratio loan and we’re getting that done for them. We’re showing them how they can officially gain more doors and create wealth. Sometimes paying off your debt isn’t the priority when you’re an investor. It’s gaining more income and that additional equity position, but by gaining those payoffs, recycling it every four years almost pays off another loan. The results have been tremendous.

We’ve taken a lot of individuals buying their first rental property to their second rental property. We’re doing this efficiently and in a way that does not add on major debt but creates income. I want to show you the steps. It takes a checking and a savings account to get started. $100 of discretionary funds and I can show you results that you would not believe.

All I’d like to do is send you, via text or email, three links to start, a couple of minutes each so you get an idea. I can then do a presentation with you online or send you an item to review and we can talk again. It’s information so you can understand, but I want to gain your information to then input that information to show you what can be done and what the results would be for you. Very simple. It’s information. Good information.

We have individuals that are in the purchase market. We have individuals who are making offers. Some of those individuals were ones that were pushed out of our previous market with people bidding $25,000, $50,000, $100,000, $150,000, and $200,000 over the purchase price. They’re now gaining at the list price, in some cases lower than the list but in some cases, the list price and getting seller concessions.

That Money Is Yours To Make

Seller concessions can be toward closing costs or buying down the interest rate for you. Buying down the interest rate comes in 3 years, 2 years or 1 year where we can buy it down 1%, 2%, or 3%, depending upon how many years we’re looking to buy down and how much money we’re able to get credited. We would compute the amount of money and then gain that money as a concession of sale. That money goes down to your end to gain a lower payment.

Now, if you chose a three-year buy down, in other words, your loan is 3% lower than 2% lower than 1% lower than the current market in year four to where your loan was. For instance, you could have three and a half, four and a half, five and a half, then six and a half forever thereafter. If you’re sitting here refinancing because rates are where that rate is and you want to secure it because you don’t want to go up to six and a half. We can refinance and move you sideways to that market rate.

The buydown that was not utilized is yours to keep. It lowers your payoff on the refinance. You can also utilize that and use that toward your refinance to paying closing costs if there are any because sometimes there aren’t any other refinance if you’re able to have the lender pay depending upon the interest rate at the time.

That money is yours to make that decision with. In some respect, your seller is paying for you, the buyers, future refinance or your buy down to then that six-and-a-half N rate, which if it’s a good rate, you’re hanging with it and you’re happy about that too because you saved all that money initially. We want to make sure your payments are affordable, but we want to make sure there are a strategy and end goal.

We’ve had individuals under the new opportunity I’ve been talking about, retiring debt. They’ve been able to pay off $60,000, $70,000 or $80,000 of debt in a matter of a couple of years. You’re going, “How is that? How is that possible?” When you went to school, people talked about, “It’s painful. I got it,” but they talked about compound interest. Have you taken $1 and another $1 and you stacked $1 and $1 and compound it? Are you better off with it?

If you take that principle and now go the opposite way. You have what you have and now let’s make it go the other way that much faster. That’s what I’m talking about. It’s doing it in the most efficient way possible because you have multiple solutions and variables to get there like the root in your car. You can gain access and go to various places with various routes. Those of you living in Ventura County to the LA County area. You know you could take the 126 or 101 to the 405. You can go to the 170. You can take the surface street across to the 118.

You could do all these different routes. One’s going to be 55 minutes and one is an hour and three minutes. One is going to be, “Oh my gosh,” and then there is an accident and traffic. What are you going to do? If you had the perfect root every single time when it comes to your finances, that’s what I’m talking about. I’m talking about that perfect Financial decisionary process, the perfect GPS for your finances. Whether it’s your mortgage, car, student loans, credit cards, or even your bank information. We’ll go into that a little bit more as we would get started.

You have the ability to be the most efficient operating system you can be. You do what you do best. I want this to be something that is done best for you. You don’t have to get a degree in finance. You follow and you’re going to get a lot smarter as a result. You’re going to be so happy about it. We’ve had so many people retire obligations in debt, with more discretionary income coming in and wondering what they’re doing.

I have one individual up in Nevada, and he’s accumulating additional doors for rent. He owns many of his properties now free and clear. If ever he needed to, he could always move or sell something and do whatever he was doing. It’s getting as complicated or as uncomplicated as you want to be, whether your goal is to accumulate and build or is to disassemble and get out of obligations in debt and have everything very simple for you and take home a check and not be under that pressure that you may choose or are in now.

Give us a call at (888) 543-3980. Go to YourRealEstateLife.com or United4Loans.com and you can get started. Let’s pick up the phone now. The team is standing by to take your phone call. I’ll be handling any missed phone calls directly myself. I want to get you out these links. What I’m looking for is your name. The best place to send it is through text or email and that’s about it. If I have that information, I’m going to send you a few links I want you to look at.

I want your opinion. I want to know what you think so we can talk a little bit further. It’s that simple. No obligations, just information. You can email Radio@United4Loans.com. I want to help you with one of the largest decisions you can make by improving your financial abilities and position that you’re in.

Reverse Mortgage Reduces And Eliminates Other Obligations

One of the loans we’re doing for individuals 55 years of age and older is a reverse mortgage. We’ve been helping individuals eliminate their current monthly obligations and gain results by not having that monthly payment. Now, that’s very effective when there are other obligations and other things that could be redirected to and paid. Reverse mortgages come in very handy about reducing and eliminate other obligations. Not just the current mortgage but other items that are on your list.

It’s also freeing up money as your income may have changed and maybe you’re not looking at the same income going forward. Eliminating or having an optional payment on a reverse gives you that ability to maybe even tap equity, and have a line of credit that you can access, but where that starts, I also need some information. It’s your name, the property address and the current balance on the loan and the date of birth of the parties that would be on the loan.

This way, I can run that algorithm or that item in order to run what is able to get done. How much equity is needed based on your age to get that done? Using actuarial tables and running numbers, we will get that accomplished and I’ll come up with a report. We can share that together and see what’s possible. We’ve been able to have individuals who eliminate their mortgage, gain money up front, and have line accreditation available additionally in your two.

We don’t want to initially give you everything, then you lose it all. There is an allocation now that is a result. You will have an education to gain your loan process on day eight after you gain your education certificate. A very easy process. It’s done on the phone. We will again look to get started. Maybe a 30-day process. Not too long. It’s no different than a home loan, but we’re not looking at all the lengthy qualifications of income.

We want to see you qualify based upon your current tax payment, insurance in place, and other items. We get the appraisal because we have to base it on a value. We’re going to look to gain the best results that way. We’ll pre-screen and get some ideas on value. Come up with some thoughts there, too and be realistic about it because I don’t want to shoot for the sky and then all of a sudden, have it fall short.

I don’t want that to occur. We’ll be realistic, whether you want to have a conversation. You want to go via text or email, however the case or maybe we share a screen together. We can handle the most effective way for you and your family. That’s for a reverse mortgage. I mentioned credit earlier in the program and I mentioned at each and every episode that credit is so very important. A lot of it’s playing by the rules of the game.

Sometimes, you go, “I’m going to do what I’m going to do. Whatever.” Maybe you have 5 or 10 or 15 credit cards and maybe you only use two of them. Based upon the line or the limits on those, it could affect your score because you want to think all your credit cards you want to maybe use it about 30% of the limit. If you start exceeding 30% of the limit, it’s going to start affecting your score more so than you like. The goal is to get that line that’s maybe at a 100 down to 90 down to 70 down to 50 down a 30. I like to even say 18%.

If you can bring it down to that level, you’re efficient. It shows that you are efficient in using your credit. When you start maxing out a card, even though you have other cards with zero balances, it doesn’t show effective management skills of those debts. I want to try to instill that with you. I’m not a credit company. I’m not a credit agency. That’s not what I do, but in doing home loans and mortgages, it’s my goal to get your score higher in order to allow you to get the best rates possible.

It’s improving your scores 50 or 60 points, even by moving things more effectively to the same balances you have. I talked about eliminating interest and effectively paying off debt sooner. That is the course of action in order to bring up your scores swiftly. It’s getting a good payment history but bringing down those debts to a manageable level. Maybe it’s retiring that one car you’re still making some payments on and starting a different one rather than reusing it and bringing down the monthly obligation. As you pay it down, we bring it down to a more manageable level and that’s what the perfect GPS system will also encourage you to do.

It’s going to manage your numbers and items and pay off the most effective one for the most effective results. You don’t have to go ahead, compute and figure it out and try to figure out the geometry of it all. Let me help you with this process, increase your credit scores and borrowing potential, get you pre-approved for what you want to do, and get the right rate attached to it.

We have individuals who had to settle for much higher interest rates because of their credit score. The goal is to improve that score to get a better rate and a better result down the line. We can do that two-step process, but it’s not always a necessity if we get an early start. Again, I mentioned that you can pay off that debt. A different item is, depending upon where you are, income-wise and everything else. You could also ask the creditor for an increase in your line.

That’s not to keep using it, but it’s to gain that result that you have less owed to the amount that you have on the line. It’s not you’re getting it to use it. You’re getting it to improve to use that other one to help pay that off. There are various things that we could talk about when it comes to that. If you’re newer with credit and you’re getting started. Sometimes, it’s the establishment of credit that’s important, but it’s not always gaining that new credit card. You’re looking for length of credit. Maybe it’s that authorized user account to someone who has good credit, a family member or an item. Maybe it’s not a card you need to use but something they’re handling effectively and paying off every month to which you can gain that credit profile.

That will also be helpful to your overall score. We’ll look at inaccurate items as well. I have credit professionals that I refer to eliminate incorrect items and to help remove bad debt. We can look at the overall process, whether it’s eliminating items that way or handling the obligations as you contract it out to do. It’s making yourself aware of these items and doing them in the correct order. It’s setting up that foundation of success.

Setting up that foundation to add the next layer, to the next layer and the one on top. If you start on top, you have nothing to hold you up and you’ll always look to fall down. I don’t want you to be a daredevil. I don’t want you going on the top rung of the ladder with no one holding on the bottom. This is not an A-frame. This is a single ladder and I’m not sure you’re ready to ride that unicycle. I want to make sure you have the right support from the bottom all the way to the top.

I want to talk with you, (888) 543-3980. Credit comes in percentages, your payment history, amounts you owe, the length of credit, your new credit and your credit mix. That’s 35%, 30%, 15%, and 10% respectively. We can go over credit. We can go over everything you are when it comes to your real estate life.

This and all of our past episodes will be posted on the site. We’ve been doing radio now for several plus years. I’ve been in the mortgage industry for many years in lending. I got started right out of college, getting things going and back then, we had territories. We went out to an area, got business from the local real estate community, referrals and past clients, and built that up. Technology allowed us to get business from other areas and other regions.

I’m approved in five states, in California, Colorado, Montana, Texas and the State of Washington. I am working on some builder items in the State of Montana, also in Colorado. We have various projects that we’re doing, whether the construction, commercial, and other opportunities. In California, we did do a lot of DSCR loans for investors.

Investors accumulating and buying property have rents covering their principal interest taxes and insurance. Getting those loans done and gaining more doors and eliminating that debt sooner utilizing the opportunity I’ve been talking about. We’ve been taking people’s debt down to a third or half the time without gaining additional income. I like to share that with you as well.

You don’t have to own a home or have a mortgage to participate. I mentioned on previous episodes a young lady who had over $80,000 of debt, and she was slated to pay it off over fifteen years and that’s now going to be paid off in 3.4 years. There are a lot of things that can be done. It’s utilizing the principles of money and understanding how to do those. No one’s sharing those with you.

Even the best financial advisors or individuals, insurance or real estate are not utilizing these principles. I want to show you what they are so you can be knowledgeable and understand them and have a perfect financial GPS guiding you through the process with support information. You have other individuals who will help you with the process as needed and you’re not on your own and you own the software program and opportunity. It’s that easy.

I utilize this now myself. I was very efficient in doing what I’ve done for many years, but I decided to take a look at this and that’s why I’m such a believer. It took what I was doing at an 80% level and now I’m at 100%. It’s fixing any of the flaws, items, or timings that maybe I was doing with the right idea in mind but maybe missing the mark slightly. How would you feel about hitting a bullseye every single month when it comes to your finances?

You’re not on the target only. You’re hitting a bullseye or maybe the number that you need. If you’re hitting that bullseye consistently, that’s where I want to take you to. Let’s hit the bullseye together. This upcoming week, I’m going to be watching the marketplace. We have the S&P Global Composite Index coming out. We have some of the PMI numbers coming out as well. Wednesday’s quiet, but we have the durable good, so orders coming out month over month for December.

We have GDP growth rate quarter of a quarter. We have our advanced items coming out as well. New home sales coming out about 7:00 AM on the West Coast. Personnel income on Friday coming out month over month. Personal spending and the PC price index also for the month coming out at as early as 5:30 in the morning.

That’s when I see the general direction of where the market’s heading, whether it’s the bond market, the mortgage-backed securities, and understanding where the general trend is for interest rates as we get new news coming out. We have a lot of the earnings items that have been coming out. We’re seeing what forecasts are for recession, light recession, where things are as far as the Fed and movement.

That potential 0.25% that’s coming up on March 1st. Six weeks later, potentially another 0.25%. Raising the prime from 7.5% to 7.75%. Maybe up to 8% percent. If you have a home equity line of credit, you’ll see that change. Those of you who have a variable rate loan. Some of you still do. It was based off that LIBOR or the London Interbank Offer Rate, which is now going to be the SOFI because the index has been eliminated, so your loans could change, but your interest rate that’s in the 3%s maybe now or even 2%s is here to go up to 5% because it’s going to go up that full 2%. The index plus margin tells you it’s going to go higher than that. Maybe 6% and change or 7%.

Those of you who have a variable rate loan, you’re about to have a movement or a change to your monthly payment. Check when your loan anniversary is because you’re saying, “I’m at 3%.” You might be at 5%. We want to take a look at that and see about moving sideways if necessary or, if possible, to see what’s best for you, but we can evaluate that and everything else at one time. (888) 543-3980.

You’ve done very well on your variable-rate loan. These indexes have gone down. You’ve done very good. Your index plus margins have been serving you well. The problem is now, these variable rate loans and these indexes have gone up. They’re in the mid 4%. They’re going up to 5%. Those are going up. The index plus margin goes up not only this year, but next year. When your loan adjusts, it’s going to go up again. We want to get ahead of this. We want you in front of the line. Not in the middle of the line, at the end of the line or missing the line altogether.

I want to understand what your goals and your timings are so we can then prepare for those items. I have a variable rate loan on one of my rental properties out of state, but that property is currently in escrow. It’s probably going to be closing. I’m looking at it based on timing. I’ll be in a decent position based on that. It’s in a tower in a building where we have someone looking to deconvert and buy the whole building. When that happens, they’ll be buying my home and getting rid of my loan, and we’ll be moving forward. On my end, I’m prepared, looking and ready to go.

My mortgage on my primaries and great position on both sub 3% based upon the program I’m using and the opportunity. My effective rate is below 1% based upon the interest and payoff that I’m performing. I want to perform that for you. (888) 543-3980. I am looking at various items all the time to help improve my position and that of my clients. Whether you’re past, present, or future clients, I want to help you achieve that financial success.

It’s the information that’s so important to understand. You don’t have to be perfect, performing or understanding or degree in numbers and finance, but it’s utilizing various opportunities that are there and helping you. I mentioned on the program that all of you bought into the idea when you’re a kid that a calculator was a good thing. It computes things a lot faster more efficiently and rarely wrong, but I’ll say it this way. Junk in and junk out. If you don’t put the right stuff in, you don’t get the right stuff out.

I want to effectively show you by putting your items into this financial GPS what that result would be and why it is right for you. Let me show you by sending you three links, maybe a couple of minutes of length of each and you’re going to be able to review those to get a better idea. Once you have that idea, let me know what you think then we could discuss a little bit further. The goal is to punch your numbers in so we can show you the results so you can make that decision.

I truly believe you’re going to be astonished at the results. You’re going to go, “Where was this? Why wasn’t I shown that?” (888) 543-3980. The opportunity I’m talking about has already eliminated $2.8 billion of interest that they’ve managed. That’s a lot of interest. I want yours to be part of that. I’m eliminating $207,000 of interest based upon the slate of the program, but eliminating that interest is paying off that debt sooner. Paying off that debt sooner means the principal’s are already been paid because less toward interest which frees up my monthly money. Let me show you how I can do that for you.

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I’m here to help save you money. I’ve been a mortgage guy now for over 36 years, helping people get their first home. They’re moved up, down, sideways or second homes, vacation property or it’s the rental property or abroad. Whether it’s in state or in other states I’m approved. I’m approved in California, Colorado, Texas, Colorado, Montana and the state of Washington.

I’m here to help serve you in 32 other states when it comes to certain loans, DSCR loans or debt service coverage ratio loans that I can also help you with. The bottom line is if you’re looking to purchase and refinance, I want to talk with you. I want to see what I can do to help save you money. If you’re working with another and you’re doing a great job, that’s fantastic. I can take a look at your loan estimate and see if it’s in line to what’s going on.

I talked about interest rates getting better. Interest rates have been moving down. As interest rates are moving down, I want to make sure you’re getting all of the savings and somebody’s not leaving it on their side of the ledger. As Owner, President and CEO of United Mortgage Corporation of America, the buck stops with me. The loan decisions are mine and I’m going to make sure you are saving money.

I believe and I’ll let you know that rates will be lower the next day. We shouldn’t lock today and why tomorrow is better. I’ll let you know. We’ll make that decision together. It’s yours. We’ve been able to save hundreds and thousands of dollars for clients by being patient or being aggressive when the time is right to do. When we’re doing a purchase, I like to run to the finish line as soon as possible to have no conditions on a file.

That means gaining the proper information up front, which is your tax returns, pay stubs, bank statements and identification. If you own a property, the declaration pages on that. If you have Social Security or pension or disability income, it’s getting the awards letters. Various items, whether it’s corporate tax returns or rental agreements. Whatever the case is based on your situation, we want to gather those items and have the letters of explanation needed so when we get an approval, we have zero conditions and we’re ready to lock and close.

I don’t like throwing it against the wall and seeing if it sticks then we have 22 conditions and let’s start nibbling away. I know what it takes to get a clean loan approval with the most minimal amount of items necessary and get the job done. When I ask or need ten items from you, I need ten items. Depending upon those 10, I may need 11 and 12 to explain one of those others. When you give me 6 items, I still need the other 4. When you give me 2 more, I need the other 2. When you give me 1 of them and it was a front and back bank statement, you give me pages 1, 3 and 5, I still need pages 2, 4, and 6.

I’m looking to gain a perfect loan file, so when it’s approved and underwritten, where the loans are getting approved, whether it’s an automated approval and being reviewed, I want someone to say, “That file. It’s the perfect file. It’s not the file. That one again?” I want to go through the process and be clean so we remain in control.

On a majority of our loans, we are a direct lender. We close on my own warehouse line of credit. The loan will then be turned for servicing, but we are efficient with the approval usually in the same day. We’re also efficient in gaining loan documents. After proper disclosure, signed disclosure, and the proper wait time, we’re able to have loan documents ready to go entitled or escrow. Ready to go for signature.

Once that is signed on a purchase, I can fund that very same day, depending on the time of signing. On a refinance, there is a timeline, a three-day recission. We’ll be ready to go pre-fund and fund on that day. We’ll look to get the item recorded and move on efficiently through the process, but it does not have to be a stressful process.

It’s understanding your goals and what you’re looking to do and putting together the right program for self-employed people. They’re self-employed loans that do not have to show the bottom line income because of lawful credit or income deductions that you have and credits that you have. Maybe your bottom line doesn’t show income, but you have great cashflow. There are loans that we can do that are 3 months, 6 months, 12 months, or 24 months even. Looking at cashflow, bank statement loans that we can close for you.

If you’re not paying Uncle Sam, I can’t use those for a fully qualified loan. It’s what you show on the return. If you’re saving money through your returns with legal deductions, you’re saving money there. You may pay a little bit more on the monthly on the home loan. There is a decision to be made. I will look to gain the best program possible based on the qualification. If you pay a little bit more, gain that additional deduction, but you’re paying a little bit more because you can’t deduct all of it, that might be the way to go.

If you’re self-employed, I can look at your loan. For asset depletion, I could look at it for bank statement cashflow, but if you’re looking based on a W-2, maybe you’re commissioned and your write-offs aren’t as large and be qualified legally through your tax returns. We’re looking at loans that are conventional loans, high balance loans, and jumbo loans. We have FHA. If you’re a veteran, you’ve served us, I want to help serve you back and get you the best loan for you, a VA loan, 0% down. We can get those done for you.

I want to make sure we explore each and every opportunity to help improve your choices. That, again, looking at your credit and getting an early question, “How is your credit?” If you tell me everything is great, from whose perspective? “It’s better than the 520 I was at. I’m at 580 now. It looks pretty great,” but I need to know the backstory. 580 is not 620. 620 is not 660. 660 is not 700. It’s not 740. I want to know what has happened, what’s going on and what we can do and let’s get your scores higher. Depending on your down payment, it’s going to cost you money.

I want you to spend your money the way I spend mine, sparingly. I want value for my money and so should you. I’m serious when it comes to money. I don’t want you spending it. If you want to spend it, that’s great. Tell me upfront and we’ll get the job done and you can spend it as much as you want. My goal is to help you save money. The more information I have, I can help do just that. If I understand your credit then that makes it better for us to gather and get you pre-approved.

We could run credit and go, “Yippee yahoo,” and run it. I’m not a credit factory here and running people’s credit. I want to gather your items, have a discussion with you and understand what we can do. The credit to me is the last item I run. If you’re going through a loan process eventually, we can use it for 90 days, but I’m not running credit to run credit.

No, we’re making sure you qualify. If I run credit and we get the credit all right, then I find out your income doesn’t match. If you’re sending me stuff that doesn’t qualify, then why do we run the credit? I want to make sure we do things, as I mentioned earlier, in a proper order. We set up that nice foundation to build on that foundation to a peak. If we start on the peak, we don’t have the foundation. It comes tumbling down.

Running credit to run credit does not make sense unless we know the full picture of what we’re looking to achieve and why. If you’re looking a clear credit and clean up stuff, we can do that. If you need credit removed or items of improved upon as far as incorrect items, I can refer you to someone to take care of that. I have professionals that I have working through this process. We’re helping people eliminate debt by eliminating interest sooner with our perfect financial GPS programs and systems. That’s what I would like to share with you.

Flood the lines. Make me too busy. Make me cry uncle. Let’s get that done. (888) 543-3980. Force me to say, “I’ve had enough. I have too much.” Don’t do it because I’m going to be pushing myself out there at no charge for one-hour consultations, possibly even two-hour consultations, because I want you to be in the best position you can be when it comes to your finances. When you think of a home loan going forward or going in reverse, whether you’re buying your first property, you’re referring me to a family or friend even an enemy, I’ll take or a colleague.

I want you to think of me. I am out to help you save money. I want to give your referrals the same all the way through and through. I’ve been doing it for over 36 years. I have two families that I’m in the fourth generation of referral. Now, that’s not sideways. That’s from great-grandparents to grandparents to parents to the kids now where I’ve helped them all the way through those families and generations of referral.

When I got started right out of college in my 20s, I was helping people who were in their 50s and 60s. In turn, as I went forward helping people in their 40s and their 20s, and those 20s are now in their 30s and 40s, now I have their kids as well. I want to be there for you. I want to be where you turn for information when things come up. I can give you a thought. If it’s out of my jurisdiction of qualification or licensing, I will let you know and refer you to the right professionals like Marisha Charbonnet who joins our program on a monthly basis. She talks about estate planning.

I have professionals that I rely on for that information. When I’m not sure, I get that answer or I refer you directly to the person. I do have a California insurance license. Presently, I’m not writing any insurance, but I do have a license. I can talk to you on that topic. I’d like to talk to you about debt and removal of debt. It’s not debt consolidation, a new loan or a debt forgiveness. It’s not all of that.

I want to talk to you about paying your obligations but paying a lot more efficiently with a financial GPS. If you have a need to remove incorrect items or to lower your interest on an obligation based upon affordability where certain creditors will and can help you, I have professionals that you come on this very program, financial sanity now who can help you through that process but I want to give you the right foundation for your right result. (888) 543-3980.

I’ve never been so very serious about something in my career. I’ve stumbled into this item that’s been there all along that I’ve been mimicking and doing on my own. There is an easier way to get to the path. I’ve been following the yellow brick road for so darn long that I found the Emerald City. I want to get you to that Emerald City without any interruptions. Let me show you the perfect financial GPS for you and your family.

On the way, I’d like to help you with any financing issues or items you have when it comes to your home loan. Whether you’re purchasing or refinancing, going forward or in reverse, small or large, all types of programs I’m here to help and assist. I’ve been doing it for a long time. I want to be that expert for you. Just like you do what you do and you’re very good at it, I want to do this for you. (888) 543-3980.

It’s been an interesting 2022. 2023 is starting off on the right foot. We have many of our buyers who were not able to purchase in escrow purchasing now. They’ve been able to gain property and gain loans that were putting them in position to potentially be finance with lowering interest rates. They’re qualifying for the current loan with the potential of saving more money down the line. We’re setting up a program and a system for them to eliminate their debt sooner.

Their 30-year loan will be paid off in half or a third of the time based upon the current profile, but we have room to operate in. We have the ability to keep them on that property, understand what they need to do, and set up the perfect position. We have some who are single, newly married and are now starting a family. We have some that are downsizing. They’re keeping their current property taxes, which are very low and transferring them to their new home. We could talk about that.

We have the full gamut from those downsizing to those starting to those even also now moving out of state. We have two individuals. We’re working on their move to Texas. We have one individual that’s up to Washington. We have one individual keeping their home and another individual selling their home. Another one is going to keep it because they’re going to go back and forth a bit, so it’s a little bit different story. We have these occurring. We’re working with new developments in Colorado and the State of Montana.

We have individuals who are moving from other parts of the United States to those as well as local individuals. We are all over working with individuals and your story. I want to hear your story. Pick up the phone and call us at (888) 543-3980. You can email me at Radio@United4Loans.com. It’s been an honor to be with you. I could be with you throughout the year. I want to check in on you. Let me know what is happening with your real estate life. Let me know if I can send you three links for you to evaluate and I’ll get those out to you. It’s been a pleasure. Until next time, what loan do you have?

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Thank you for joining us. I’m watching interest rates on a daily basis and we’re having people make different decisions, but other lenders are making decisions. Sometimes, they’re a little bit out of character. Not that all of us are perfect, but all of us don’t need to be bad either. I want to make sure you’re making the right decision. Take a look at the process and what your current loan is and let’s see what we can do to make it better. You may have the best loan possible, but are you handling that loan with the best care possible? Maybe there is a better route, but it may not need to be redone. Maybe you need to do something a little bit better. Call me about that at (888) 543-3980.

Important Links

• United Mortgage Corporation of America
• KVTA.com
• United4Loans.com
• YourRealEstateLife.com
• Radio@United4Loans.com