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Listen Live
Saturday’s: 9AM 1590 AM/97.9 FM KVTA
Sunday’s: 7AM K-EARTH 101 FM
Life’s financial journey isn’t about the speed; it’s about recalculating the route to ensure a prosperous destination. Shift the direction, seize the opportunities, and chart a course for lasting financial well-being. In this episode, we discuss the slow and prolonged healing process in the financial labyrinth itself. We will guide you through various financial opportunities, from understanding reverse mortgages to exploring home equity lines of credit. Discover how equity isn’t just key—it’s the map to unlocking possibilities. We also discuss the world of credit cards, where 0% offers may not be as crystal clear as they seem. Learn to outsmart deals and avoid pitfalls to keep your financial journey free of unexpected fees and interest rate increases. Tune in now!
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I want to know. What kind of loan do you have? We’re talking to people throughout the United States. We’re talking to individuals who need to save money. It’s not only refinancing. It’s not only looking at your purchase, but it’s what you’re doing with that money and with those obligations once you have them. Is it doing the bank’s plan and making your monthly payment until it’s over? Whether it’s in 30, 20, 15, or 10 years, a personal loan you have for 7 or 5, or a car loan that could be 72 to 74 months even.
It’s when you walk into that car dealership. They don’t talk rate. What payment do you want? All of a sudden, you get that payment because it stretches the loan out accordingly. We want to make sure your effective rate can be better because of the volume of interest you’re paying. We want to talk about turning up your frequency by turning down your interest volume.
I talk about interest volume on an amortized loan. It’s much different when you compare a simple interest and an amortized loan. They work differently. If I told you that you had a simple interest loan interest only, let’s say a mortgage interest only, I’m giving you a rate. I’m throwing any number out. I’m not looking for comparisons. I’m throwing a number for an example.
You have an 8% simple-interest loan for the first ten years. It will amortize and pay off because they want to get paid. For eight years, you’re paying 8%. Anything additional is a principal reduction. If I gave you a loan at 6.5%, you’re paying some principle, but on that amount, you’re amortizing the debt, and it’s being front-loaded. You’re paying closer to an interest volume of 83% because you’re going to pay a lot more to the principal later. You’re loading all that interest instead of simple interest across the board, 8% across, and 8% payment. It’s easy. You’re loading in interest earlier at closer to an 80% clip. What’s better, 8% or 80%?
Some of the interest-only loans, if used properly, can do well, and that could be an advantage. That’s why we talk about Home Equity Lines Of Credit, HELOCs. We talk about the utilization of that simple interest of utilizing it every few months and getting it paid off, using it, rinse, repeat, but doing it in an effective way with the right numbers, at the right time for the right amount to gain further movement on your amortized loan.
There are many different strategies that could be looked at. I’m talking about a perfect financial GPS that can navigate you in that direction in the most efficient manner possible. You drive, and you rely on technology. You went from the roadmaps. You went to MapQuest. MapQuest was great. It told you the roads and the direction, but it didn’t tell you the bridge was out, or it didn’t tell you there was traffic. It was a finite instruction to get to destiny from A to B or maybe a stop in between. That’s great.
As it progressed, you had Garmin and other devices. Some of you used Waze and others. You have all these advancements. Having participation, traffic, and timing. It even tells you where the highway patrol is. It shows you what’s going on through satellite navigation to get you to your destination in the safest way possible. I want to do that with your finances, getting you from point A to point B and various items that may be in between, but getting you to your destination the quickest, most effective, and safest way possible. That’s eliminating interest and getting you debt-free.
Some of you are saying, “I don’t want to be debt-free. I want to leverage my money and get more wealth.” You can do that. This would help you to achieve that. We have individuals buying more doors and real estate and gaining additional planning two years down, whatever that case may be. We can show you future predictive capabilities. We can do that with automobiles or any of the other items you look to do.
We have individuals who use this with business as well as personal. We can show you how this can be done, if you own property or not. We have individuals who own no real estate, and they’re paying off their debt within three years. I have an individual who I signed up at 3.4 years. She’s down to low two, and she’s excited. She sees now a couple of these things getting taken care of. There are many ways to do this. You can choose the cheapest, you could choose the most expensive, or you can do it in the best way possible. Let’s get your momentum started.
We’re helping people save money, whether you’re purchasing or refinancing going forward or in reverse, whether you’re looking for ITIN financing or DSCR financing, which is Debt Service Coverage Ratio lending. When it comes to investors, we’re doing that now in over 30 states, helping people gain more income through the front door through rental property and gaining appreciation in some markets.
We’re not seeing a drastic change in the value of properties going down. In some regions, it’s still going up. We’re seeing demand is high. We’re seeing availability is low. We have volume issues. We have fewer people listing, and now we’re heading into the fourth quarter. It’s going to maybe get a little bit more difficult. The people that are there are serious about what they’re doing. They’re selling for a reason.
That is what I’m talking about here. You are making these decisions with the right information for the right timing for you. If you’re doing nothing, “Why am I reading this blog? I’m not looking to list my property. I don’t want to buy anything. I’m not refinancing. I’m fine,” let’s talk about what you have. Let’s talk about your mortgage. Let’s talk about your car payment if you have one. Let’s talk about the home equity line and what you’re not using that home equity line for to help improve your current position. I want to talk to you about using these tools and items to achieve an earlier date of your interest-free or debt-free date. It does happen. Most people say, “I’ll never be debt-free.” You can be.
I had a gentleman a few weeks ago. I still laugh. I scratch my head, and I don’t understand. The gentleman was going to be debt-free, 62 years of age. He’d be debt-free at 70. The current plan he was on was to be debt-free at age 90. That’s now keeping income, keeping everything afloat, and moving forward. I was saving him that many years over $400,000.
The response initially was, “I’m not sure I’m going to live to 70.” Under that notion, he’s not living to 90. I didn’t want to help push him into that 70 idea because of the stress that he’s under now. The stress that he’s under now is not helping that end date. I want to help alleviate that stress by having something smarter than both him and me put together, giving him information so he can be more comfortable that much sooner.
It’s about him leaving a legacy for his family and those he cares about and not leaving the debt or burden to them but building a legacy going forward. Marisha Charbonnet, on our program, talks about it all the time. It’s building that legacy and item, setting it up correctly, your life estate, and doing these things that you should be thinking about rather than, “How do I survive?”
Let’s move it a little bit further down the path. Let’s get you comfortable with what’s going on now and do it the best way possible. I would like you to plan, if possible, on a Tuesday evening from the comfort of wherever you want to be. I’d love to have you log in on a screen. You don’t have to speak. You don’t have to be seen, but I’d like to get you information so you can watch a one-hour webinar that will change your life and give you valuable information.
Some may say, “I can do some of that.” Some of it’s not all of it, and it’s not hitting the bullseye. I want to show you how to hit the bullseye with your finances and reduce your debt-free date tremendously. Write down the address to allow yourself to get the information. If you can’t attend at 6:00 PM on Tuesday, that’s okay. Write down the email address, and let’s set up a time on your calendar and mine that.
We can do a one-on-one engagement. There’s no obligation. It’s just information. Usually, I would like to give you a slight homework assignment by gathering your numbers. We can see on that first meeting if there’s a reason for a second meeting. We’ll talk. We’ll get more familiar. I’ll send you a few items to watch prior to, but let’s start that process and see what we can do to make your life a little bit easier.
Email us at Webinar@AHeadForMoney.com. By sending that email, I would like to send you a few links to watch to become more familiar. If you can attend on Tuesday night, 6:00 PM, that would be fantastic. I’ll give you the link for that. If you tell me in the email, “I cannot attend Tuesday night. It’s not convenient.” Throw me an option, but I can give you my Calendly. We can schedule a time.
I’d like to see a one-hour appointment that’s easier. I’d like to have you on camera. I’d like to have a Zoom. If I’m talking to you on the phone, we’re doing what I’m doing now. I would like to have that information so we can go forward and gain your stuff for items or meeting number two. Get your debt-free date and show you if the opportunity is right for you.
Philosophically, it’s going to work, but you need to also participate. If you don’t participate, it doesn’t work. If you give me half the information, I’m going to give you a halfway result. I want good information so we can get a good result. That’s how I work. I spend your money the way I spend mine. Sparingly, I want value for my money, and so should you. I want that interest to go away. I want to pay the least amount of interest as possible. If you want to pay the most interest as possible, I’ll raise your rates, and we’ll all be happy.
That’s not what I’m looking to do. This is me trying to assist you and give you information so you can move forward and save. I’m sure you know many people who are going through a tough time now with debt. Many people are going to have that interest that started to accrue already and payments being due on student loans, not knowing what to do next.
I’m trying to provide a roadmap, but I’m trying to provide a perfect financial GPS to destination zero. Zero is your friend. I want to get that to occur for you. Call (888) 543-3980. Our website for our radio program is YourRealEstateLife.com. For our mortgage entity, United Mortgage Corporation of America. It’s United4Loans.com.
We are writing commercial, construction, residential forward, and reverse mortgages. For reverse mortgages, you have to have tremendous equity with interest rates where they’re at and look at the actuarial tables and various items in the computation. You need to have good equity and also good age. You could be 55 years of age, but you have to have huge amounts of equity in order to qualify now for reverse or even some of the hybrid reverses that are in between.
I can run your numbers and find out what we can do. We are closing reverse mortgages for others and individuals. Equity is the key. It could be up to 30% to 40% of the obligation, but it depends on the age to move forward, property address, and date of birth for both individuals or any individuals on the application. I’d look to go ahead and run those numbers.
We can do a lot of pre-work and get some good information so we can make certain decisions. We were also talking to a lot of individuals about a home equity line of credit. We have a process that we can close in five days, from start to finish. It depends upon your equity position, how much you owe, and your credit position. We can talk about that and move as quickly as you want to move.
Home equity lines of credit come in handy, eliminating amortized debt and interest. We could talk about that. Maybe it’s consolidating some of these more expensive credit cards, 20% to 30% credit cards. Those are crazy. Some people say, “I got a 0% credit card.” Maybe you do, but how much did you pay to get in? A lot of those were 5% upfront. Some of them are balance transfers, 0% on items you purchase, but you need to be careful because if you go over your limit, you miss a payment, or you go past the term of that offer, all of a sudden, it’s going to shoot up some of them are retroactive. They’re looking for you to mess up. :
Part of that mess up is those of you who decide to pay it off a few months in saying, “I was good. I got the money. I was able to pay it off sooner.” You paid all that money upfront for the opportunity. Based on the early time you did it, you paid a lot more interest because you paid all that upfront for the term that you signed up for. We can go over that. I’m all about money, numbers, saving, and getting that back on your side of the ledger. I can do it good, but I’m not a perfect financial GPS.
I was leaving years on the table. I’m 58. I’m not sure what I’m going on. When I was doing all these items at an early age, saving a lot of money, and providing for my family, it started at age 29. It was when I got married. I have two children, 22 and 24. Both of them have graduated undergrad at college. One is getting her master’s. They’re going through both, and the one without any student loan debt. We set up items properly. There are various options. Check with your financial planner about that, whether it’s certain programs and education programs or items through Roth IRAs. You can talk about that. They are going to be set where they’re able to move forward with their careers and not worry about the past. That was one of my goals.
I’ve had life, health, and disability policies. I am licensed for that. I’ve never written a policy, but I am licensed, and I have the education for that. I’ve made sure my retirement was set up properly. These items were provided, and I’ve navigated through them. I’ve set up the future. I’ve had Marisha Charbonnet. She updated my plan years ago and reviewed those plans. I’ve referred her to many people that she’s helped move forward with their financial strategies as way of planning.
In doing that, as long as day-to-day is good, the future is set. That’s what I want to have you accomplish. I want to get you out to paycheck to paycheck and into planning, comfort, and less stress. It takes takes time to get into what you have. It takes a little time, hopefully less, to have the right direction. I need you to have an open mind. I need you to take a look at things the way you have not looked at them before. Maybe you don’t know what you know. Once you learn, it’s putting those actions into effect and moving forward.
I talked about it on the show before, but some of you are fighting the wind. Let’s change the direction of the sale and make it work better for you. Let’s stop looking at what has been done and talk about what can be done now. Let’s take a look at your current items. Let’s assess them. Let’s see where you are on your discretionary income. That’s the money left over at the end of every month.
If I asked you how much money, $50 or $100, what’s left over after everything is spent at the end of each month? If that number has a positive number and I can take a look at some items to show you why it’s positive, maybe you have a biweekly paycheck every other week. There are various ways where you have 26 checks versus 24. Whatever the case may be, we’re going to explore that opportunity because we’re going to look at every penny and how we can get that to work harder for you to get a better outcome.
I truly mean what I say. You have my attention. I’m never too busy to work or speak with you. My current clients text me or call me. I may be on the other line. I’m going to reply, respond, and say, “I’m on the other line. Are you available at?” I don’t ignore things. It’s never been my nature and never will be. I was doing that even before technology back in the pager days. That was fun. He had to decide to get off the freeway, not get off the freeway, use the thing, and god forbid, they hung up on the pager. Now, things are a lot easier. I can reply a lot quicker, but I want to make sure you get the right information at the right time and that you have my attention. I want you to get started now, call (888) 543-3980.
I was in Indianapolis at an event talking about these items. One of the segments that I did in front of an audience was we were talking to other professionals. Why should other professionals look to do this and help their clients? In the same way that I’m a mortgage professional. I’m a mortgage loan originator and a broker. I own a mortgage banking company. I have been in the business for several years, and I’m doing loans. I’m doing that loan, which is the amortization loan. It is causing more interest early, but it’s a necessary item in order to obtain a property in most cases.
Why wouldn’t another mortgage loan originator, in this current market environment where they’re not doing refinancing purchase volume is down, reach out to their past clients and help them achieve more success with their finances by eliminating interest, having an earlier payoff date, and creating more equity? Why wouldn’t somebody want to find out more?
If you received a phone call from your previous lender, wouldn’t you want to understand a way that you can save more money without refinancing if refinancing was not in the cards? If you can eliminate other debt and put your family in a better position, sure you would. Whether you are a mortgage loan originator, a realtor, an insurance professional, a financial planner, a CPA bookkeeper enrolled agent, a money coach, or you work with cashflow management. I call myself, in this respect, an interest cancellation specialist. We’re looking to cancel interest in the most effective manner to save you money.
If these other professionals and I did leave one out, we’ve been working well there, a divorce professional, an attorney, or a mediator, those of you who have gone through the unfortunate events of a divorce, you’ll understand and recognize that money becomes a large topic. Who takes on what debt? You try to come up with an equal thought, but I’m going to throw you a curve.
If one spouse values the debt at 25 years of interest in debt and the other one understands these principles and has had some tutelage, and they see that it all could be paid off under their new lifestyle and what numbers they have, it could be paid off in eight years. I’ll take the debt. They’re going, “Okay.” All of a sudden, they think you took 25 years of debt where, in true spirit, you already have a computation that’s going to be gone in eight.
Who had the advantage? Information is the advantage. There’s information out there that I can help you with. It’s easy to understand. You don’t have to have a degree in finance, but I can send that out to you. If you are a professional and you’re on the side of dealing and working with individuals, giving advice in your selective field, whether it’s legal, finance, insurance, real estate, or other mortgage loan professionals, MLOs, if that’s you, I’d like to show you how you can bring that to your clients. Your clients are your clients. They’re not going to be shared with other individuals and people. They’re your clients.
I want to show you how you truly can market to your clients and give them a benefit that doesn’t cost you to do so, and you’re truly helping them. You’re not looking for something. You’re giving something back. Let’s find out more. Call (888) 543-3980. I’d like you to join us on a Tuesday night webinar. That webinar is if you’re doing it personally and you’re working on your own items.
I can also talk to you about a Thursday night webinar if you’re looking at this as an opportunity. Maybe you need that gig job, another item, or an extra $1,000, $2,000, $3,000, or $4,000 a month with my tutelage and help. I want to work and speak with you. Call (888) 543-3980. We’re only halfway home. We got another half to go.
I’m looking at some items on the table here as we head into October 2023. We’re heading into the fourth quarter of 2023. It’s always a vital time in any ball game, whether it’s the fourth quarter, third period, or whatever it is. Are you armed and ready for a good finish? Are you looking at the right items? Have you done what you wanted to do? Is your income right? Have you done the right planning?
We have the ISM manufacturing index coming out for September. We have construction spending coming out as well for August. We have job openings. We’re seeing what’s going on there as far as how many are there for August. We have the ADP employment number. We have factory orders for August and the ISM services number for September. We have initial jobless claims and the US trade deficit. We have the big one. We have the US employment report, hourly wages, and the unemployment rate year over year. We also have consumer credit.
A lot of information comes out, and what that means is it’s how the mortgage-backed securities react and trade. That’s how it then affects mortgage rates. Mortgage rates will react accordingly. You do have a ten-year treasury that will move up and down and around, and it’s more the visual item that people see. They go, “The treasuries are hurting.”
Generally speaking, they move hand in hand. That’s not the true relationship. When the mortgage-backed securities move, whether they’re off twelve basis points, that’s an eighth and fee, not rate. If it’s up, we gain a little back in fee. If it moves enough from 30 to 40, now it starts moving enough in fee to then add rate to keep the rate better and the price the same. It takes a few little jumps to make the rate move effectively on the spectrum of choice.
We watch that carefully. Our goal is to save money. If you’re doing a $500,000 loan, an eighth in fee is $600 and change. I’d rather save the $600 and change. We do what we need to do. If I see based on economic reports and news, it makes better sense to what is called float the loan we do. If rates aren’t moving that fast, I’d rather not lock you in longer to spend more money now. If we cannot spend more money, we do that. It’s based on the timing of your transaction, purchase, escrow time period, and what we’re looking to do. Based on size, it can make a difference. We evaluate that together.
Our goal is to save money. Click To TweetTo start a loan process, we need to make sure we have the right information. Are you salaried or self-employed? Do you have overtime? Do you have a bonus? Do you have a pension? Do you have social security? What is your income stream? Is it rental property? We want to make sure we are gathering the right information, whether it’s tax returns, bank statements, pay stubs, in some cases, profit and loss statements, possible partnership returns, corporate returns, social security awards letters, or pension award letters. All these things matter.
Sometimes, you’re self-employed, and you don’t show a lot of income because you do legal write-offs and you take your income down to a lower level, but you have good cashflow. We go to a cashflow type lender. We’re looking at 3, 6, 12, and 24 months’ bank statements. We’re looking to make the deal fly. You’re paying less in taxes, but you’re paying a little bit more in interest rates. You’re paying a little bit more on a monthly basis, but you’re paying a lot less in taxes annually.
You might be coming out ahead. Sometimes, you’re not getting that, “I got the lowest rate.” No, you got the rate that you need to get based upon the way you show income and write off and save money somewhere else. We try to have that happy medium and do the best on both sides. If I can get you qualified for the other loan, I will do so, but we have to make sure that the cashflow and the debt-to-income ratio make sense.
That is what I do from my side, but it starts with you getting and gaining the information I need. When I give you a checklist based on my understanding and those items pertain, I need a few more. Because I didn’t know and it wasn’t discussed, we need to get those. When I asked for ten things, I needed ten, not 6 or 8. I need ten.
The thing that happens now is people will go ahead and print out their bank statement rather than save it and send it to me on a computer, and that’s fine, but they fax me or send me pages 1, 3, 5, and 7. I need 2, 4, 6, and 8. Even if it’s a computational sheet and it says 7 of 8, I need eight. These are things I need. That allows me to get the loan approved with no conditions, and we’re ready to close.
United Mortgage Corporation of America is a direct lender. We can close on our warehouse line. I can close that loan, maintain control, draw documents, and close under most circumstances. That allows us to get the close efficiently and move it forward. I can fund a loan on a purchase the same day you sign loan documents. We can get the job done. Timing is not my problem. The timing works. It’s you responding. It’s the other affiliated people, individuals getting me the fees and the items from escrow or title or the closing agent.
It’s getting these items done if we need an appraisal and there’s work to be done on the property. It’s getting that satisfactorily handled and getting the communication channels open. Communication is important to any successful transaction. Whether that’s the debt space or eliminating interest, accurate communication is important. How is someone representing you in the best way possible if they’re missing key information? It’s a problem waiting to happen. I make sure I’m about eight thoughts ahead. That’s always been my life, eight sentences ahead. I already know where I’m going on this. That’s what you do.
I need to keep my eyes on the road, looking up, looking down, and looking around on every single transaction because I have to anticipate that someone won’t tell me everything, and I have to anticipate future problems so you don’t have a problem. The more we communicate and have that information shared. We’re free to do other items because I’m there trying to save you money. If I’m looking for problems, that’s a problem.
My office knows. I look for problems so we don’t have them. That’s what I do. The busier I am, the more I’m having fun. I’m having fun saving my clients and the transaction money. When all the problems are solved, and everyone is high-fiving, that’s when you make sure I’m okay. I’ve got nothing else to solve, nothing else to look for you. Make sure I’m okay. Usually, I have another transaction I’m working on and taking up the same spot.
For all of our loans and items we work on, we’re either starting, getting disclosures out, getting them submitted, having approvals, they’re drawing docs, or they’re closing. We’re at different stages of the game throughout the process. Your process is important to me. I’m never too busy to work or speak with you. I want to make sure you save the most money possible. Many of my clients have told me, “Mike, this is great.” No, tomorrow, there’s a little bit more money we’re going to gain. Let’s do this tomorrow. We have plenty of time.”
They’re happy, but I want more. I want that money translated back to you. Working with this perfect financial GPS, I’m excited when I see 28 years go down to 6.2. Even 12.2, for that matter, would be huge. The amount of money that I’ve seen that I can help people save interest has been astronomical. It’s not smoke and mirrors. It’s getting done.
I have now individuals that I have had get started on the process, and they’re like, “Can I tell more people?” What I’d like to do is get on a call, find out their information, and see what we can do to help them save. I’m not trying to entice somebody to start a new job. You’re busy doing what you do. If you want to refer people, it’s a non-licensed opportunity, and I’d love to talk to you about that.
You can be as involved with it is as much as you want or not, but you’re helping people. It’s helping one household at a time. That’s what attracted me to it. I see it now. I’ve been helping people save money on their interest, effectively handling their debts correctly. With the lower interest rates, they did get and the need not to be able to get a new one or lower it further in that direction, I want to take it to the next level. I want to help you eliminate debt sooner. I want you out of debt and debt-free with your debt-free date, predictive capabilities, and a perfect financial GPS at your disposal. Word is moving it along right here. We have another segment to go.
It’s been an exciting program moving through the hour. We’re getting a lot of calls coming in (888) 543-3980). Those calls are inquiring about a couple of items. We have some individuals who are asking to get numbers run on reverse mortgage calculations. I’m getting their age, date of birth, and property address. We’ll want some values and find out how much they owe on the property. We’ll run some numbers for them and get that back to them.
We have some other individuals who have an ITIN number and a taxpayer identification number. They’ve been stuck paying rent that’s going higher. We’re getting them into pre-approval status. They can find property in their local market. We don’t list. We don’t sell. We refer. If they don’t have a real estate agent or a realtor, we look to refer them in their market or region, but they’re looking for property and getting qualified with as little as 11% down. Some have higher down payments, from what I see. We have that end of our spectrum.
We have other individuals who are investors or soon-to-be investors and want to invest in real estate and buy property. They’re looking to get what is called a DSCR loan, a debt service coverage ratio loan. Those loans utilize the rents of the property, offsetting and showing how that could be used to bank the mortgage payment and get qualified. It’s the property qualifying, but we’re making sure they have enough backing on their own end, they’re okay, and they have a decent credit score.
We have some traditional calls coming in regarding low down payment. For some veterans, it’s 0% down. For FHA, it’s at 3.5% using some zip code-related items to get some grants and some other items, such as USDA and some agricultural areas down south. We’re getting some of those calls in inland. We’re also seeing utilization of the current market and maybe what is called a one-zero buydown. Whether it’s 10, 21, or 321, buying down the first year or 2 or 3 of a loan to allow the rate to be lower monthly cashflow.
Maybe the money is coming from a seller or gift funds. Maybe you’re buying that money upfront. The money is there, but it won’t be there on a cashflow basis until later. We have some individuals who are in jobs that are paying a little less, but they’re growing jobs where they’re going to be paying more soon. That buydown could do well for them to get in.
We are still looking at some interest rates that still have 6%s as the front number. It depends on your closing costs and what you’re looking to do on a 30-year fixed. You can get a fifteen-year loan, but you want to make sure you can afford that payment because it’s being amortized over a shorter period of time. Your payments are higher even with a lower rate.
We’ve been talking about a perfect financial GPS program where we’re able to utilize the principles of money. You could become the bank, and we’re showing you how you could retire interest sooner by retiring that interest volume, especially on an amortized loan. An amortized loan is more front-loaded on interest, and you’re paying on your 3% loan. You might be paying closer to 64% interest when you get started. Take a look at your statement. We can talk about that. If you want me to take a look, email us at Statement@United4Loans.com. I can throw you back some results.
What I’m asking people to do is see what your schedule looks like on Tuesday night at 6:00 PM. If you’re available, you’re at home, you’re able to log into a computer, you don’t have to look all sharp, you cannot put your camera on, I’m fine with that. I want you to come to an informational webinar. It’s a webinar regarding a perfect financial GPS program where I can show you and give you great information on how your interest can be lowered, your debt-free date, and improved. It’s a 6:00 PM webinar. If you can’t make it at 6:00 PM, send me an email. We’ll set up a time that’s right for you.
I spend a lot of my days meeting with clients and people, educating them, and providing information, which is the first appointment. The second appointment is running your numbers. Let’s see if it’s right for you. Email us at Webinar@AHeadForMoney.com. That’s 6:00 PM Tuesday. If you can’t make it, send an email and say, “I can’t make the webinar, but I’d love to set up an appointment.”
What I’d like to do is send you my Calendly. We’ll get a timeline, but I’m also going to send you a few links that I would like you to watch. One will be a demonstration. I want you to see how this works and how easy it is. The results are going to be tremendous. I’ll send that out to you if you would like to attend the webinar so you have a little head start, but that webinar is 6:00 PM on Tuesday. I’ll send you the link to get in on that webinar.
I’ll have your name, and I know you’re there. I’ll be there as well. You’ll see my smiley face and my background there. We’ll have that conversation at that meeting. You’ll be able to observe because it’ll be a one-hour consultation where you’re listening. We can set a time when you’re talking, and we’ll talk more about things. It’s Tuesday night, 6:00 PM, Webinar@AHeadForMoney.com.
If you want to have a consultation regarding mortgage, pre-approval, or prequalification, we could do that. The same Calendly link, I can send out. Not to confuse you with many more things, but that’s more mortgage-related. It’s Michael@United4Loans.com. For any of those emails, we’ll figure it out. Let me know what it is you’d like to do, whether it’s mortgage-related or eliminating interest. We can get you the information.
See if your calendar allows you a Tuesday night to be opened up. You can watch it in the comfort of your own home, and we can go from there. We’re seeing a lot of results. I’ve been busy helping people save money. It’s a good feeling when you see the results, and they can’t believe it. They wonder why no one’s told them about this sooner. That’s where I talked to you earlier.
It's a good feeling when you see the results, and they can't believe it. Click To TweetIf you’re in the business, you’re a mortgage professional, or you’re an MLO, and you’re reading this, you know what’s going on in our industry. You know it’s a little slower than it has been in recent years. You have past clients. You have people that you can help. If you’re not helping them, you’re not completing your service to them. You can show them how they can eliminate their interest much sooner. It’s not a refinance. It’s not a conflict of interest. It’s showing them a better way to handle their finances and utilizing technology to do so. I’d like to show you how that’s done. I’m not taking your clients. They’re your clients. You need to service your clients. You need to help them move forward.
If you’re not getting a phone call from your mortgage loan originator or the loan that you did in recent years, even though it’s a 2%, 3%, or 4%, there’s nothing they’re doing lending-wise. They should be doing something finance-wise. If they’re not, I’d be happy to talk with you. You’re going to talk to them once you’re moving forward because now you’re in control of your finances.
Call (888) 543-3980. If you’re a real estate agent realtor and you’re not talking to your clients about trying to buy property but telling them the current market interest rate environment, it’s at 7%, but I can show you how you can own your property free and clear in as little as one third or half the time without changing your lifestyle. You’re not sharing that information with them. Do you think that would create another sale or escalate a sale faster for you? Probably would. I’d like to show you that.
If you are a person who’s looking for property and someone’s not sharing this information with you, do you think it’s valuable that you should have it? I think so. If you have an insurance professional who’s trying to sell you an insurance policy, that’s great. It’s also utilizing the insurance policy to eliminate debt to create wealth.
Whether it’s utilizing a whole life policy or an IUL, whatever the method of that is, it can show you how you could become the bank. You have the ability to utilize your own money and pay off debt while it’s still also accumulating wealth. You have the ability to do both at the same time. It’s rare that that’s possible. I’d like to have that opportunity to show those professionals how they can use this and lead with this. You’re helping your clients free up discretion, create wealth, and utilize the opportunities you have to succeed.
If you’re a divorce attorney and you’re valuing a conversation or a mediator, you can show how one set of debt is cheaper than what others think it is. If one thinks it’s paid off in eight years and they know the principles and see it, and the other one thinks it’s a 30-year opportunity or twenty-year debt, they’re gladly able to give that, and maybe they got the better side of the equation. I’d like to show that.
We’re meeting with mortgage loan originators, real estate agents, realtors, and insurance financial professionals. We’re working with money coaches. We are able to show people how money works, and this is an additional tool that they have in order to do that. We’re dealing with individuals that are in the credit space. We’re helping people with their credit and giving them a plan that they can follow going forward.
There are many dynamic ways to use and understand this to the consumer or to the business to reach more consumers. My goal is to educate one household at a time, whether it’s business or personal. I’ll work on both sides. I have no problem doing that. I want to make sure you are comfortable and successful with your business endeavors, whether it’s your personal or your household. It’s not about guessing. It’s not about being spun around, throwing in a dart, and hopefully hitting the target. It’s about hitting the bullseye. It’s understanding you have the best plan, that GPS program, and plan as you utilize to get to your destination when you’re traveling.
Imagine if you were going from California to New York, but you, I always say stop in Hawaii, and maybe you want to do that, but if you’re trying to get to your destination as quickly as possible and you want to go from Los Angeles LAX out to New York, and you have to go the other way to go the other way. I know when you take off, you go a little over the water to turn around, but you go to the best destination possible without the stops and items. You want to get there the quickest time possible, but you also want to do it at the best cost possible. I’d like to deliver all of those to you.
If life changes and things happen, it’s going to give you that quick response and give you the best destination possible. It’s going to say recalculate. It’s not going to say that, but it’s going to do that, and it’ll be instantaneous. If you get a bonus, you get extra money coming in, but you can set limits if you want to set up an emergency fund and save some money. You want to do that. We can show and get those predetermined. It’s not utilizing. If you start this opportunity, you will have $100,000 in the bank. No, it’s not going to spend your $100,000. You put buffers on it to make the program and the opportunity work harder without using your reserves.
You can do what you want to do. We understand good in, good out, bad info in, and bad info out. That’s when I get to know what you’re looking to achieve and where things are heading. We want to talk to you about your real estate life at (888) 543-3980. I’d like to talk to you about your real estate life. Go to our website at YourRealEstateLife.com. You can go there, get good information, and sign up for various items, but you can also sign up for that webinar by going right to an email Webinar@AHeadForMoney.com and (888) 543-3980.
You can do what you want to do. We understand good in, good out, bad info in, and bad info out. Click To TweetLook at these programs that we do, and I look at the results. I’m always happy as we start here in the fourth quarter of 2023 and go back to who we’ve touched this year. It hasn’t been as much in the lending side this year as it has been done in previous years, but we’re touching individuals and families where it counts. Their monthly payments, discretionary money, and insurance have changed.
For those of you who have gotten your renewal notices or, in some cases, your non-renewal notices, I’ve heard individuals who had claims twenty-some-odd years ago being canceled because of those claims. They don’t know where to go. I have individuals who are being told they’re in flood zones and they’re in the middle of somewhere where the water hasn’t been there in years. I have individuals who have a hill in the back of their home or a view somewhere, and all of a sudden, they’re in a fire zone.
You need to understand if you haven’t gotten your renewal notice yet and you know your premium is coming up for renewal later, do some homework and make sure you’re okay, but also be prepared for that 39%, 50$, 75$, 100%, and 150% increase in your annual policy. It’s budgeting those items, things that perhaps you don’t have control over, or when you get them, “I’ll shop it with someone else.” That someone else is no longer offering insurance or may not be even better cost.
I put out that out of my own curiosity because I wanted to run some stats on it. Someone sent me an email marketing and said, “We can beat anyone’s current insurance.” I gave it a shot. I sent out the thing. He sent it back to me and told me that he couldn’t get any lower than it was. I go, “You said you had other insurance stuff.” He’s like, “I have other insurance stuff, but nothing I can do lower than what you have.”
Be careful about what you see and make sure you check what it is, but do it on a timeline that you can do something about. That’s what I like about this perfect financial GPS program. It allows you to do that. You could be ahead at the beginning of the line, making the right decisions at the right timing rather than the would have, could have, should I miss it. I don’t want that to be you.
I have been coming to you on the weekends doing talk radio for several years now. At various times, there are various priorities in life as to what we’re doing and what we’re trying to accomplish. We’re all trying to save money. In this current market and environment, some of us are seeing this stuff for the first time. We’ve always been enjoying low-interest rates. Rates were going down. When I got started in the business, I was told, “I missed the first refinance boom.”
I had 30-year fixed rates at 12%. I was told that I was lucky that rates were that low because, in the early ’80s, they got up to 16% to 18%. Twelve percent was a lot better. In my earlier years in the business, when rates got below 10%, we were not doing letters but legal-size flyers, nine and seven-eights. We thought we’d never see a single digit.
As we’re getting a little bit higher in the 7%s, I’m not sure we’re going to hit those 9%s. I don’t believe we are. I believe maybe 7%s is about where we’re going to be. We’re going to start turning back and see something with a 5% in the front number sometime in 2024. We’ll see what happens in the world, the economies, and anything else that may jar something any further. We’ll see if we have a soft landing or one that goes a little harder.
Someone told me, “When you’re on an airline flight, and the plane is landing, you can tell if you have a Navy pilot or an Air Force pilot because a Navy pilot has to land on the carrier. The Air Force pilot has a little bit longer of a runway.” It’s interesting. I play that game as if it’s more abrupt or prolonged. Correct me if I’m wrong, airline pilots, if you are reading. I find it interesting as I go on flights, you do something, and you talk to individuals and find out what’s going on throughout the United States. I was talking with you. Give us a call at (888) 543-3980. I look forward to talking to you about your real estate life. Until the next episode. What loan do you have?
