Fed Raises Rates, Home Loan Rates Decline

• March 26, 2023
• realestate
• Podcast

Are you caught in trouble with your debt when the Fed raises interest rates? Do you want to save yourself from, let’s say, a 30-year payoff into single digits? Well, you better grab this opportunity with Michael Harris because, in this episode, he will provide a path to helping you pay off those debts with the current economic state. Joining Michael in the program is Mama Rita to share her take on what’s going on in our environment around our money. Michael also provides a wealth of information about your relationship with money and how you utilize it. So, tune in to this episode to learn more about wealth creation and debt elimination.

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Listen to the podcast here

Fed Raises Rates, Home Loan Rates Decline

I’m asking you, what kind of loan do you have? Let’s get started by calling (888) 543-3980. Let’s get that number down. If you have any questions, needs, or wants, that’s the number you will call. Out of chaos comes opportunity. I have an opportunity today to talk to you about a solution to debt. Now, you may be just getting started and you got some debt or you may have lots of items and you have a lot of debt. Either way, I want to help you eliminate interest payments, not principal.

Principal is consolidating, negotiating, and getting rid of. You contracted for certain obligations. We’re going to meet those obligations, but you don’t have to be paying as much interest. I like to show you how you can take your debt and eliminate all your items and a third or half the time without changing your lifestyle. It’s not a consolidation. It’s not dead settlement. It’s not a refinance. You’re not going to Pork and Beans. You’re not living in a tiny house. You’re doing everything that you’re doing now and maybe even more.

We’re showing investors how they can eliminate mortgages within four years and create more doors, more income, and more wealth. If you’re looking to get started, we’re improving credit scores by improving your debt ratio and the percentage of what you owe to your limits on your credit cards. We’re getting results. Now, if you’re reading this, I challenge you. If you have a 2, 3, or a 4 as the front number on your loan, maybe your rate is good now. Maybe it is the proper rate for you now on your mortgage.

However, if I can show you how I can take your effective interest rate on that loan below 2% without refinancing, you do not have to change your lifestyle. I can change your current bank plan that you have now with all of your debt, that’s 25 to 30 years for payoff or maybe even fifteen years for payoff and I could take it down to single digits. Let me show you how you can save money.

Now, where do you start? The first thing is you can do a couple of things. You can call (888) 543-3980. Let us know who you are and we’ll get you out a couple of quick, easy items for you to watch for a couple of minutes. It’s not much time. Let me know your thoughts and interests. I’d like to have a meeting directly with you. You can email to radio at United4Loans.com.

I handle lending for a profession. I have been doing that now for years. I’ve been on radio for over seventeen years. It’s my responsibility to help you eliminate your largest debt as quickly and as responsibly as possible after I help you leverage and get into a property that you want to be living in. Your lender is not your personal friend. You make payments there. It’s my goal to make sure that money stays with you longer.

When I’m helping you get a loan, I aim to get you the best loan possible for your unique situation. Whether you’re going forward or in reverse, whether you’re getting a conforming loan high balance or jumbo loan, whether you’re an ITIN cardholder and you do not have a Social Security, we have loans there as well. Non-qualified mortgages, bank statement loans, USDA, and loans with grants and bonds are available as low down payment. FHA and VA, we’ll cover all of that because that’s what I help you do.

I want to help you get pre-approved for lending. We’ll talk about what’s going on right now with interest rates. We had a Fed move. We’ll talk about what that means. We’ll talk about the future, where interest rates are going, and what you should do to get the right loan for you and your family. If you’re looking to buy, we need to talk about getting pre-approved. I’m looking to gain your documentation, get you the best results and answers, and eliminate that debt.

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We’ve already had a hot start to the program. We’re helping people eliminate interest from their current loans. We’re talking about simple interest as well as amortized interests. Amortized interest is that of what many have on their home loans. When you have an amortized loan, you’re paying a lot more interest in the earlier years than in the latter years. Although your interest rate could be 2%, 3%, or 4% now, if you gather your current mortgage statement or go online, pull it up when you have a chance. Do that when you can and you can even send your statement to Statement@United4Loans.com. I’ll run that evaluation myself for you. I will let you know what we can do.

However, the bottom line is to look at the percentage of how much interest is going towards that overall payment. Sometimes, it could be 50%, 60%, 70%, or 83% towards that interest. If you have a loan for 5 or 7 years, you refinanced, you paid it off, or you sell or whatever the case may be, you paid a lot more than that 2%, 3%, or 4% percent that you contracted for because you paid more interest in the earlier years less going towards principal. I like to show you how that works.

The goal is to attack that interest earlier to get you further down the path of getting that reduction or principle going down faster. There are eight principles of money. It’s too complicated to go through here, but I’d like to show you how we can utilize those principles to eliminate debt sooner. No one’s showing you how to do this. This is what the banks, the insurance companies, and others do on the other side with your money.

You’ve heard a lot about what’s going on with the bank failures and some of the items happening now. A lot of that has to do with the speed at which the Fed moved interest rates higher. The banks were looking to secure and put their money in secure locations, but what happened was over a one-year span, the Feds movement are higher, which caused that gap and what they had to pay the depositors was different and they were losing on the spread.

They didn’t consider the fact that the Fed was going to raise as fast as they did. They secured this money at lower interest rates and then rates went up. They were caught in trouble. It’s like what Warren Buffett talks about. If you go down to the beach, everyone’s having a good time. Everyone’s playing on the water. When the tide goes out, you find out who’s wearing their suit. It’s scary, but those are the issues and items that are going on.

However, we’re finding right now that home loan rates are the lowest they’ve been since almost last September. We had a feather that just went up a quarter. We’re seeing maybe another quarter move coming very soon here, probably on May 3rd, but possibly on June 14th. We’re looking at one more move that’s been telegraphed. As the Feds are moving higher, the banks and the people who had put their money to secure are more worried. It’s causing more problems. The lending is getting a little tighter in some cases from certain directions of lending.

That’s almost like a tightening of another 1% to 1.5% just on its own. The Fed goes, “We don’t need to be the person raising the rates any further. We’ve got about another quarter,” because now the tightening is occurring from another direction, so it’s as if rates are higher as a result, but we’re fighting inflation. They’re looking at the strong employment sector, though a lot of that is interestingly different with jobs paying less than they had been paying before, second jobs, gig jobs, and all that. Some of those readings are a little bit off or different because they’re not the way they used to be. We have to be careful of that.

Part of the goal is right now with the Fed, they’re looking that we need to have a little bit of pain, as I’ve been talking about over the last few months, but I think we’re nearing the end of this interest rate cycle. The mortgage market is seeing this. We’re seeing rates getting better, as I said. We did see that better and then it got worse than it got better again. We’re seeing a treasury yield that has gone back below 340. We had hit close to that forward number and we were worried about that. Now, we’re back low again.

We’re finding our current clients benefiting with lower interest rates. You can look at a buy-down program, 1-0, 2-1, 3-2-1 buy downs or you could buy it down for 1 year, 2 years, or even 3 years, initially 1% for each year. I was looking at some documentation and there was a lender who was advertising. We were going to buy down your interest rate in the first two years. You can get a 4.99%, 5.99%, and a 6.99% rate forever thereafter.

Those loans are effective as we gather and think that rates may go down back to the fives. Maybe you have that 4.99% and then 5.99% and then maybe during that 5.99% cycle, you look to redo the loan to something lower than that, and now you secure it for the future. You can look at the lender or perhaps even the consumer, the seller covering those costs or closing costs to subsidize that number. What we’re doing is we’ve been doing cutting costs on our end.

As president and CEO of United Mortgage Corporation of America, I’m not looking to do your loan once and then twice. I’m trying to do it once but maybe twice effectively for the once to be done. What we’re trying to do is eliminate or lower costs extremely as we can upfront on buy downs to be in a position in 1 year, possibly 2, or maybe 6 months down the line in order to then do that loan again with less cost as well. It’s a combination that works out well so you’re able to time that much better.

I’m in there with you. I want to roll up my sleeves, have your documentation ready, and get ready to move responsibly sideways but not spend a lot of money to buy down a loan. There are some larger entities talking about, “They’ll pay 1% of your first year and then they’ll come back within three years. They’ll help you at a discount.” That’s just, by definition, what lending does. We do the same all the way through and through. I’ve been doing this for many years. I’ve been in various interest rate cycles in the few years I’ve been doing it.

I’ve seen double-digit interest rates. I’ve seen buy-down programs years prior. I’ve seen how they work. I see how a variable rate loan works. Right now, you still have an inverted yield curve of all things, which is a sign of recession. That’s still on the books, too, a possible recession. There’s a good chance still for ’23 and then an even larger chance in ’24. We’re looking at these items there as to where interest rates are going. If a recession hits, interest rates may have to ease back a bit, which means lower interest rates.

I want to not spend a ton of money now to buy down a rate that we’re throwing the money away. We want to make sure we’re using it properly. If we get seller participation for closing costs, that money, when refinanced, will be credited as part of your payoff. The remaining money that wasn’t utilized for the buy down, so you don’t lose the money. You effectively have a seller paying potentially for partially of your refinance. It’s a lot of items I’m throwing your way, but the bottom line is I have a roadmap. I know how to get from point A to point B. I want to help you achieve that. You have your job you do each and every day and you do it very well.

I can’t pretend maybe to do your job and step right in. This is what I do and I want to be on your team. I want you as my teammate and I want to help you. Make sure your path to money is the right one for you. Give me a call. I’d like to hear your story and what it is you’re doing, whether you’re looking to buy, selling a home and parking sideways or looking to buy soon. Depending on what your items are and what you’re looking to do, I’m there on your journey, but we want to get started.

We need to look at what’s going on with your real estate life, credit life, and debts. We have to understand where your credit score is. What are you buying money at what cost? Can I raise those scores by maneuvering items differently? We had a client who had a lot of debt and we talked about my debt opportunity about lowering the overall term in which they have, but what we did was I wanted him to go get a line of credit. We were able to get him effectively a line of credit. I had him go outside of what I do because he had the equity to do so and I wanted to be less cost because I’m very cost-conscious.

I spend your money the way I spend mine, sparingly. I don’t want to spend it. I want value. He got approved for his equity line. We’re going to pay off the debt and put it down to one item. Now, it’s a simple interest home equity line of credit. We’re now going to attack the home equity line and the mortgage, which is an amortized debt. We’re going to take his overall now 30 years and we’re taking it down to eleven. We’re taking his overall debt down and eliminating interest.

I also had a client and we eliminated $247,000 of interest off his plan. He had a plan. It was the bank’s plan. I was able to show him how to eliminate $247,000 of interest that he would have been paying. I had another individual who was going to be paying off their debt in 27 years. We took it down to 5.9. There were so many different things that we were able to achieve and do. We have the perfect financial GPS that will allow that to be done without you having to do that. You just follow the GPS just as you’re driving right now. You have the GPS. God forbid, it’s talking over me right now because it’s telling you to make the left-hand turn or it’s telling you how many miles before you get there.

However, if you miss that turn, it’s going to say recalculate and tell you the best way to get back on the path. That’s what I’m talking about. I want to show you how that works. If you’re interested in getting information, all I need is that I have your email. Throw me your name, maybe a phone number. I’m going to send you out a couple of video links that I want you to watch and watch on your own time, but let me know you’re going to watch it, please. When you send the email and you want those, I want to send them to you. I want to know your opinion but at no charge and no obligation to you.

I then want to gather your information because getting the right information gets the right results. If we put the wrong information, we get the wrong results. I want to get all that and put it together. Get that inputted so we can get your numbers and you can see what the opportunity can do for you. It’s all about you and your results. This is about you eliminating interest that you’re paying to somebody else.

Your lender loves you. You don’t need that kind of love in your life. I want to get that money back in your pocket and keep it with you. You work hard each and every single day. The Federal Reserve raised by 0.25%. It’s the night ninth rate hike in just over a year. It lifted the Fed funds rate from 4.75% to a 5% range. The Feds are talking about possibly a still target of 5.1%-ish. That means another 0.25% hit is still coming. Now, that’s affecting consumer rates, but as we hit the tail end of these Fed rate hikes, yes, we have a little bit of some fallout with SVB and Signature Bank and maybe some others that are coming up.

Those are creating a little tightness in the lending side for many, which is then causing another self-imposed tightening of rates, so the Fed is now considering one more hike. We’re looking at that credit tightening. That’s your car loans and your home equity line. If you looked at a home equity line now, a lot of it is prime plus 2. That’s close to 10%, but 10% is better than the 20% and 30% on your credit cards. It’s also simple interest, which means you’re paying 10%.

As I said, if you look at your home loan and amortized loan, you might be paying 80%, 70%, or 60% towards interest. Do you know that a typical 30-year loan takes 21.40 years before you get a break-even 50/50 on interest and principal? Even then, 50% interest 21 years in, 10% interest only doesn’t sound half as bad. A home equity line can actually work to your advantage and that’s one of the principles I’d like to show you.

I want to show you how that could effectively reduce your amortized loan by 1 year, 1.5 years, or 2 years if worked effectively and not just, “I’m going to do this. I’m going to do that.” You’re playing a game that you don’t have the rules to. I want a perfect financial GPS letting you know to the penny the right moves any given day to do that you can go on and have that opportunity in front of you for the rest of your life. It truly is that easy. I like to share that with you.

If you read this program before, you know I lived in the Thousand Oaks area for many years. I did sell that home as my kids are now in their twenties. I am now downsized and I moved to another home. I’ve been in that home now for a little over three years. My mortgage is under 27 years. I’m effectively paying off my mortgage and all my debt within 9.5 years. I’m utilizing this opportunity. The thing I like about this opportunity is it’s possibly smarter than I am and it doesn’t argue and talk back. I like that. I get my information. If I want to do something else, I possibly enter that in and it tells me why I’m wrong because it shows me how many additional years I added or point years I added to the timeline by me wanting to do this versus it wanting to do that.

It will be factual and give me the information. You could do what-if scenarios. Let’s say in a couple of years I want to buy a car. I put that in there. I put a 72-month payment at a certain interest rate. It will tell me maybe it added only one point some odd years to my overall payment because it’s using the principles of money and I’m not going to go out 72 more months. However, those items are there and it plans and does this and does it just like that. It gives you 90 days in advance.

Let me send you out a couple of items for you to view so you can get more familiar. That’s what I’m asking now. Just for being familiar and having an open mind. Understand that there are ways to do things better. Just like in your job in your profession. You try to tell people there’s a better way. No one wants to believe you, but that’s what you do and you know there’s a better way. I want to show you a better way with numbers. I love numbers. I put them in the middle of my desk every single day.

I could have maybe tried to mimic what this perfect financial GPS would do. I took a little bit of time with that because I was going, “Why should I be doing this myself?” It’s because I love numbers. This is what I do. I was able to perhaps mimic the motions of what this does, but I was leaving $30,000 to $40,000 on the table. How much is enough? How much money do you have to give up to not do something?

$30,000 or $40,000m, why wouldn’t I do that? Plus, I have someone else making the harder decisions that I can then look at rather than me having to come up with it myself. It was great. I got my own personal financial expert who doesn’t make an error that I can consult with at any time. That’s what I would like to do for you. It’s on your team with you and you will have the blueprint. You have a team of experts there to help you understand, navigate, and get comfortable. You get your items inputted. You get set up properly and it runs.

How many of you still have all those maps in your glove compartment? Some of you may still do. You have it left in there and you have the car for so long, but are you opening up all those maps as you’re driving? Probably not. How many of you are still doing long computations and not using your calculator? Times have changed and things have moved through the process. Even you readers, many of you aren’t doing that as often as you had in the past. Times have changed. I want to help you move forward and be more efficient.

We’re talking about money. We’re talking about saving money. We’re talking about effectively financing, getting the right relationship with money, and working on that with you. I’m asking you to evaluate a perfect financial GPS program that will allow you to eliminate interest that you’re paying now. Even if your rate is at 2%, 3%, or 4%. Maybe you just got a loan. Maybe your rate has a 5%, 6%, 7%, or even an 8% as the front number.

I want to show you effectively how I can take your net interest rate below 2%. It’s not a refinance, debt consolidation, or forgiveness. I want to show you how to utilize the Eight Principles of Money and take advantage of this. I want to talk to you and show you the opportunity. Joining us on the program, we have Rita Boccuzzi or Mamma Rita Money. It’s all about your relationship with money. Rita, what do you have for us?

Many of us are worrying about the banks right now and what’s going on and our current environment around our money. One thing we get to do is get ahold of it, be prepared and not panic, and be in leadership of our money. I’m Mamma Rita. I’m a money coach, a financial consultant, a safe money expert, and speaker. I’m here to share with you a little bit about financial literacy empowerment. It’s where education meets action and a way to look at your money.

When we look at our money in a new way with our mindset from a perspective of prosperity and the skill set that we need, that’s that combination that meets and we get to take steps to create an environment where we can be solid in our own personal economy. How many of us would wish that we had a money education when we were young? We can get that information, but it’s even better now than it would have ever been before.

It’s because we get to have this new way of looking at money by anchoring our core values, breaking through our limiting beliefs, directing our focus on it, and connecting with that relationship of that resource. I call that a money love language and master these relationships so that they can be long-sustaining and understanding phases of money in little steps. Where we’re at and where we want to go so that we can make more of it, protect it, keep it, and grow it. Also, learn essential principles that get to be part of our life and that means understanding what products match what we want to do.

I love sharing and teaching people how to protect their assets. You’re the number one asset that gets to be protected. If you want to know more about this information, I have upcoming events where you get to dig deeper and get honed in on where you want to flourish with your finances. I’m Mamma Rita. Reach out to me. You can go to RitaBoccuzzi.com. You can text or call me at (818) 806-8250 or reach out on Facebook, LinkedIn, or Instagram. Let’s get connected. Do what I say is the primary phase of your relationship with your money and that is exploration so that then you could be empowered. Ciao for now.

Thank you so much. It’s great information. It’s your relationship with money and how you look to utilize it. That’s a lot of the topic of what we’re talking about now. It’s utilizing money effectively to your advantage. It’s not the banks and not the insurance companies. It’s your advantage to move forward with your real estate life and your family’s life as well. It’s the legacy. It’s looking at what you can do. I had a gentleman who wanted to make sure his debts were paid off before his kids were eighteen. That was his focus. We’re able to do just that.

We had another person who was near the tail end of their career. They’re looking to retire. When they retire, their income is changing and we’re able to have his debts paid off one month before his retirement. He was so excited and now, he’s looking at possibly getting it even sooner. These things are happening out there, people. I want to show you how. It doesn’t take tons of extra money. I’m looking for $100 of discretionary money at the end of every month.

In other words, when you have your current payments, mortgage, taxes, insurance, and various other items. Also, your gas bill, electric bill, and all these fun little stuff you do, like grocery shopping at all. Maybe you got $50 or $100 left over at the end of the day. That’s enough. I can show you through your checking and savings. I can also show you how to utilize equity lines. If you have those or personal loans or lines, I can show you how to utilize what you have to come out further ahead. Let me help you with this exercise.

You can say, “Forget it. I don’t like it,” but when you see your numbers and you’re saving thousands of dollars, you’re going to go, “My gosh.” I have one gentleman who is not into technology. It’s not something he likes to do, but he likes getting on a cell phone a lot and he’s able to utilize things there, but he’s not really into the computer thing. He was so excited with all the money that we saved him. He was saving over $1,000 a month. It was a lot of money. He goes, “I’ve bought a new computer. I’ll be back and I’ll be calling you early next week.”

He’s buying another quick little computer and now he’s moving up his access because he saw the money it was saving him. I don’t want you further going in debt. That’s not the goal here, but nonetheless, he was saving so much money that he was so excited about it all. We’re also looking at wealth creation. This is not one-sided. It’s not debt elimination, and then you’re done. If you took the savings that you’re going to have and the sixteen years or plus that it saves you on payments, you put that away at 1%.

You’re going to accumulate and accumulate that to much larger money. Let me illustrate this for you. Let’s have a call online together. I want to send you first a couple of items that you can view. It is that easy. My schedule fills up very quickly, but that’s not your problem. That’s my problem because I want to be available for you. You can book on Calendly on my schedule whether it’s a 15, 30 or 1 hour appointment. Initially, I want to get this video out to you or a couple of links so you can see them. I then want to put you on my schedule to have a one-hour call with you or half-hour if possible.

If you’ve been able to view some of the items I’ve sent additionally, then I like to gain your numbers. Your credit card debt, your monthly overlays, and your items so we can get an accurate representation of how much money I can show you to save under this opportunity. That’s the process. It’s going to be a 1, 2, 3-step process to make it all in one. It’s a lot of stuff and time, but I’m looking for a few meetings and a few items of understanding so you can make a valid decision and understand exactly what it can mean and do for you.

However, it takes some time and there’s only so much room on the calendar. I’m urging you to send an email at Radio@United4Loans.com. I want to get you information. I want to then take the proper time to evaluate, understand where you are, your goals, and your why. What is it that I can do for you? Eliminate debt or create wealth? Where are you in your timeline? Where are you with your mortgage? You do not have to have a mortgage to do this and utilize this opportunity. I’ve had a young lady who had $85,000 in debt and we’re taking it down from 15 years down to 3.4 years. If you do not own a home and you’re renting, this is also a product and a loan that can help you.

I’m excited to help people eliminate debt sooner. That’s interest debt. You still are responsible for the principal you signed in for. I’m not looking to do debt forgiveness. I’m not looking to consolidate debt into something else. This is now allowing you to utilize the principles of money to eliminate debt sooner. I help people with one of the largest purchases and items they have buying a home. I don’t list. I don’t sell. I handle financing. Whether you’re constructing a home or doing residential or commercial going forward or going in reverse, that is what I have done for a living for the last many years.

I’m talking to you, those individuals who have a 2%, 3%, or 4% as a number and you’re saying, “I’m not doing anything on my loan. I don’t need to pull cash out. I’m not doing an ADU. I’m not doing this.” I’d like to show you how you can eliminate that debt, cut it in half, and cut it in thirds or maybe even further. Five to seven years, we’ve had those results. I want to show you how to use the principles of money to eliminate debt sooner and create wealth. If that’s what you want to do, create more doors, rent, and buy a rental property. I will show you how to eliminate that debt within four years by utilizing your rents on the new doors.

There are a lot of products and loans out there that we can help you, like debt service coverage ratio loans, loans that will cover based on your rent coming in the door. That is going towards the payment and that covers. We can do that for first-time investors. We can help you develop a wealth strategy, but we want to make sure your debt strategy is in a better position. We want to help you increase your credit score, get you in a better position to borrow, and borrow money at the right rate.

We take a look at what’s going on in the world. We’re looking at what’s happening in timing and looking for the best product and Loan available for you now. We will have Case-Shiller Home Price Index Consumer Confidence coming out. Also, Pending Home Sales, GDP Chain Deflator and Gross Domestic Product. We have Jobless Claims, Personal Consumption and Expenditure, Core PCE, Personal Income and Spending, Chicago PMI, and Consumer Sentiment. There are a lot of things coming out. The Fed’s going to start talking again.

They’re going to be talking about possibly that additional quarter coming, but we’re talking about the economy itself now. Creating a little bit of tightening itself, but I still see interest rates coming down a little bit for the mortgage side. Gaining a property is at the right program with the right timing and not spending a fortune on getting it closed. Get into the property, get in, afford it, and then we’re looking to get rid of.

We are talking about marrying a home, dating a rate, and divorcing a debt. I want you to divorce the debt. We want to do it thoughtfully, we want to do it correctly, and we want to do it in the right order. As I mentioned, I had an individual go out and get a home equity line of credit to divorce his other debt, move it over to one controllable area, and then now we’re attacking that debt, killing it, and getting rid of it much sooner.

There’s a strategy. I want to help you understand that strategy, which does not need to be difficult. Who laid out the rules that you have right now? You do what you do best. This may not be in your lane. You might be over your skis. Are you going up to the top of the slope and they say, “All right. I’ll meet you down to the bottom.” All of a sudden, these people go down and you’re going, “Holy cow. How am I getting down?” You struggle all the way down. You made it, but you struggled all the way down.

You have some bumps and bruises, and eventually you’ll heal, but do you need to go through that? Can you have somebody guide you through properly, possibly even hold your hand all the way through getting down the hill without falling once? That’s the path that I like to have for you. We’ve had individuals have been so excited watching this and they’re going by gosh. I want to start referring my friends, family and others because this is incredible. I would like to show you how that opportunity can get you additional residual income to pay your debts off even sooner.

We have realtors who are getting involved in helping their clients eliminate debt and buy additional property for investment. I have a gentleman that I’m aware of. He now owns over 100 properties. Over 80 of them are free and clear. That’s an extreme example, but you can buy your first, your second, your third, or continue to buy property to create more wealth through rental and income and responsibly move that through the process by handling money effectively.

There are others that are looking to eliminate their debt. They want to be debt-free. We have others going, “I can’t afford to be debt-free. I need all the deductions I can get. I need that interest right off.” What’s your tax bracket? 25%, 35% or whatever percent. You’re not getting all of that you’re saying you’re writing off now. Now, you’re keeping all that other money in your wallet. If that was the case, why don’t I raise your rate? If you got a 4% interest rate, I can increase your deductions. I’ll give you 12%. I’ll make you happy.

I’ll give you a 12% interest rate. I’m going to increase your interest right off. You’re saying, “No. That doesn’t work that way.” Exactly, it doesn’t work that way. Let’s eliminate the debt, put you in control of your money and you can handle that much more effectively than maybe you are doing now. I’m participating in this opportunity. I’m talking about the opportunity because we’re going back to our past clients and we’re showing and making results for them.

Some of them ignore it, which happens just like in your job. People ignore good advice and good information. Sometimes, it takes a little bit to have them understand, but that’s not you. You have the opportunity to look at this opportunity to find out how much money you can save and how much better you’ll be in what position. I mentioned about someone saving $247,000 this week in interest if they stay on the program and just do what that is mastering and putting out for them. It’s amazing.

Another gentleman, as I said, was having this paid off before his kids were eighteen and that was a goal of his. He went into that with a goal, thinking it was a lofty goal and we hit it. Another gentleman, we got him before he was retiring and that was a lofty goal he had. He didn’t think he could make it. Another young lady who doesn’t even own a home, a renter who is utilizing this program to eliminate debt at 3.4 years from over 15 years that she had.

We have people eliminating student loan debt. I have someone who owes a lot in back taxes. They’re working through some items and some things and they file five years of taxes in one shot. They’re finally getting caught up and we’re looking at how to eliminate and handle that more effectively to make it go away. These things can be done. It’s not ignore them and hope. It’s not that. I’m bringing you hope. I’m bringing you a solution. It’s up to you to take the opportunity. I’ll send you a few things to watch. It’s a couple of minutes here and there.

If you like, I can give you almost a 30-minute presentation of a piece for you to watch rather than meet initially. It’s up to you. We can then look to set a time to discuss further. There is no sale. Nothing going on. It’s about you understanding what can be done for you and then we can run your numbers. It’s that easy. Anyone reading this who owes anything at any interest rate, it’s worth your exploration to find out. It truly is.

I’m going to look to respond and call back each and every party of any call that’s missed. I want to make sure that your answers to your questions are met, but you also get the information to go over. I mentioned a lot of things going on in the world. We got things going on in the Middle East now, in Syria. We got this going on there. All these things are happening but my focus is on you. What’s happening with you? What’s happening with your real estate life, current debt, particular future, and where you want to go with you and your family? That’s my focus.

My focus is just that. I’m not going to arrest until you have the right answers, the right information, and we get that job done. I have about a half a dozen individuals this weekend who are looking at property. They’re armed with a pre-approval letter because we have their documentation. We have their taxes. We have all their information. We know credit scores. We got everything. They’re pre-approved for the purchase of a said property at a said price. They’re looking to write offers.

It’s still challenging in certain markets where you’re buying at this price, some over list price depending upon how aggressive it was, but we’re making that happen. Whether it’s very little down or no money down on a VA loan, I’m helping veterans with VA loans and VA eligibility. I have a veteran right now who bought a property utilizing his VA. He now has been in that property for a little while and he’s now churning that property into a rental.

He is retaining the property, utilizing additional eligibility he has under his VA to buy another property to move and go into. He’s created wealth now with rent coming in, which more than covers. He’s buying another property. The thing I didn’t share is the first property is units. He has multiple rents coming in. He’s looking now for another set of units to move to and create additional doors of rent and income.

I’d like to talk to the veterans out there. Have you used your VA eligibility in your 0% down VA? Let’s talk. We have FHA Loans. Those aren’t first-time home buyer loans. They are for anyone with 3.5% down. With certain bond issues and various other programs, there are ways to get that to 0% down. I’m looking to show you how you can have home ownership priced effectively with the right loan for you and your family. If you’re renting, let’s talk.

If you currently own, maybe you’re saying, “I got a great rate,” but maybe you have other debts and other items that need some help. Those larger credit card debts, car loan payments, and other items you have need some attention. I do not want to disturb the lower interest rates you have unless it makes sense but that’s not my first priority. My priority is making sure your debts earn the right order.

If we can show you how to eliminate debt and a third or half the time without changing your lifestyle, would that be of interest to you? If I can show you how to get your effective rate below 2% without refinancing, is that of interest to you? Maybe you just closed on a brand-new purchase. Shame on you. You didn’t use me. I understand. That happens, but maybe you have that 6% or 7% rate right now. Maybe you got a 5% as the front number, but if I can show you how to bring that down effectively and have the proper money management, you can oversee and look.

This doesn’t take a lot of time. Maybe an extra 10 to 15 minutes of your month, but how much time are you spending right now with your spreadsheets and items and things and budgeting and not knowing? What should I pay? How do I do? Do I pay for this? Having a perfect financial GPS telling you day-to-day what is the priority and what you should do and you’re not going to be late and now, you’re going to owe less. This is everything from monthly bills to credit card items, things with interest and things without interest.

It’s maximizing the Eight Principles of Money that we can go into and saving you money now and in the future and then being debt-free. When you refinance, people say, “I’m starting over.” You’re starting over if you pay the new lower payment, and then you start that cycle of larger interest payments. What I have done over the many years is when I refinance and you can afford the current payment, it’s not a necessity to lower the payment, but it’s to lower interest.

You stay on the same payment you had paid before and you pick up right there and now you accelerate it even further. It was about debt management and responsibility, but I know how easy it is. You get a new mortgage and you have choices. I could pay this payment or I can pay that payment. Let’s go to the lower one and you worry about it later. I want to show you how later is now and effectively you’ve been leaving money on the table without even realizing it.

Let me show you how. I know it’s morning. I know it’s a heavy topic. It’s money. It’s money management, but you don’t have to be a money expert to utilize this opportunity well. Let me show you how. We have individuals who are learning about technology. We have individuals who are going, “I got a what?” I laughed about it and it came to my mind right now. Just because you have checks in your checkbook doesn’t mean you have money in your account.

That’s not the philosophy we’re at here. I’m not overspending here. This is effectively utilizing your money to work harder for you. You work hard each and every day. I’m wanting to help guide you through this process. Let me help. This is not what I do on a daily basis. I handle mortgages and lending, but with interest rates where they are, we have buyers but not as many as what we’ve had in recent times.

Many buyers are going to be coming into the market as we start seeing interest rates with 5% as the front number. I mentioned there are programs out there, 3-2-1 buy downs, 2-1 buy downs, and 1-0 buy downs. It means you’re buying down 1%, 2% or 3%. In 3 years, 2 years, and 1 year, you’re buying down the rate, but that buy-down comes with fees. You’re paying the interest for the buy-down. You’re getting money from a seller, but my thing is you want to spend the least amount of your money now to being ready for a better rate coming soon.

You’re marrying the home, you’re dating the rate, but we’re divorcing the debt together. That’s what I want you to understand. We’re here to have you come out on top. Only one team every single year comes out on top. How’s your NCAA bracket doing? That’s a fun one. All these teams are going bye-bye, but only one team finishes on top and only you can finish on top with your finances and I want to get you there.

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