Bonds Mojo Rising – Let’s Divorce The Debt

• April 14, 2023
• realestatelife
• Podcast

Let’s marry the home, date the rate, and divorce the debt! But is it possible to divorce that debt by eliminating interest? That’s what we will dive into today with Michael Harris. Michael talks about how you divorce the debt sooner rather than later after adding it to create wealth. Michael will show you a better education to create a better result in wealth. He emphasizes why it’s important to pay off those obligations earlier. Learn to play the numbers game with Michael Harris today when you tune in to this episode.

—

Listen to the podcast here

Bonds Mojo Rising – Let’s Divorce The Debt

I want to know what kind of loan you have. Give us a call at (888) 543-3980. That’s LIFE-980. Utilize that number when you can because I want to evaluate what you can do to own a property if you’re renting because your landlord loves you. You don’t need that kind of love in your life or if you own a home, make sure that you’re doing that in the most efficient manner.

You may have a 2%, 3%, or even a 4% as the front number on your loan and that might be pretty good in this market. I agree. However, how much interest are you paying on that mortgage statement as a percentage of that monthly payment? Have you thought about that? Have you looked at your statement or just set it and forget it and the payments being made?

Playing The Game

If you look at that statement, unless you’re about 21 years in, you’re not even 50/50. If you are even prepaying and dumping some extra money in, you’ve been doing some fun stuff and throwing some darts, hopefully, it gets a little bit better. That game you’re playing is a little bit better than not playing the game at all but it may not be the most efficient game that you are playing. I’m about efficiency. I want your money or dollar to be spent at the right time for the right place and right reason.

It’s not like, “I’m going to pay that one.” That’s better than not but it may not be the most efficient way because you’re not doing it necessarily in the best timing or direction. Let me help you with that process. We’re helping individuals who own real estate and don’t own real estate retire debt by eliminating early interest sooner and attacking the principle faster.

When you look at a home loan, you’re going to pay a lot of that principal later in the game. Early, you’re paying a lot of interest. I’m doing it myself but I’m attacking that debt in my 26 to 27-year mortgage. When I bought a new home a little over 3 years ago is on a scale to go down under 10 years. When you look at that 16 years of not having a mortgage payment, you have to understand that 16 times 12 is a lot of payments.

You take that mortgage payment times by that number, that’s a lot of money that’s back in your wallet and not going out towards the bank. When you look at your good faith estimates of old, depending on when you got your loan through some lending, or you look at your CRED statement, you’re going to see a disclosure that could be anywhere from 50% to over 100%, which is the true amount that you’re paying back. That’s what is going on.

If you go the full term, you’re paying that much back in interest over the life of the loan, even though you may have that 3% or 2% interest rate. I want to show you how money works and I want you on the other side of that equation. It’s a necessary item to leverage to buy and own property. I got it. If you don’t have cash sitting there, you don’t have a tree growing and it’s not dripping off money. It is a necessary item.

However, once you have that item, in this case, it is my job to help educate you and your job to gain the best method to get rid of these excess interest payments so you can enjoy and have that cashflow and extra money in your wallet every month. It’s added discretionary income. Let me do that for you. Email me at Radio@United4Loans.com.

—

We are making a difference in your real estate life. I’m changing lending one household at a time. Is that your household now? What I am doing is I may not be able to lower your current interest rate if you’ve been on top of what you’ve been doing. I don’t want to touch your 2%, 3%, or 4% but maybe you have high credit card debt that’s bringing your average higher. We’ll evaluate and understand what it is you have. You marry the home, date the rate, and divorce the debt.

Divorcing The Debt

In this episode, I’m talking about divorcing the debt. How do you do that? No. You don’t divorce it and give it to somebody else. You’re paying it off correctly and efficiently at the right time in the right place. It’s using the principles of money that allows you to do that more effectively. Going back to your school days, people told you about compounding interest rates. They always gave you that question, “Would you rather have $1 a day starting now?”

Compounding interest is very powerful. That is the reverse side of what is going on when you amortize or borrow, and you’re doing that where you’re paying mostly interest upfront and less on the back. I want to gain control of that mechanism and put it back on your side of the ledger. It’s not doing whatever one has always done and OG because there’s a large group of individuals who don’t and they are finishing further on top.

We talk about sports analogies all the time here. Only one team finishes on top but in this case, it doesn’t have to be one. It could be multiple people on top because you’re on top of your finances. It’s not what you did years ago that is good. It’s continuing to do what’s right based on market, circumstances, and time. How many of you still have an account that pays 0.1%? What are your idle funds doing?

There are places you can put your money idle and you can transfer it if you go online. Some of you don’t like doing that. I can help show that as well but you could be earning 3%, 4%, or 5% on your money where you have it sitting maybe at 0.1%. There are so many ways and things that we can do to help efficiently eliminate interest being paid sooner. We have individuals who have gone from 30 years to 28 years, 26 years, or 22 years. We got them down to single-digit years and they’re going be debt-free.

What’s the definition of debt-free? You still have your car insurance. You still have your electricity, gas, and water bill. Some of these items are still going to be reoccurring monthly but if we got rid of all your credit card debt, student loans, and monthly obligations, that’s going to free up a tremendous amount of discretionary income. It may leave the burden off your gig job, extra job, or the other things that you’re looking to do, the necessity of working in retirement. All of these things come into play.

We had an individual who is 75 years of age. We ran her numbers. She had debt and a mortgage. She still was doing a lot of things. She was going to be debt-free at age 103. She is self-employed. I asked her, “Are you going to be working just as hard at age 102 to pay off that last year?” She laughed. We ran her numbers. She should be debt-free at 5.9 years including the mortgage.

You’re going, “It’s too good to be true.” It’s not. Numbers are very powerful if they’re utilized correctly. If you get in line, you could be standing in line. I want you in the front of the line with the right rules. You got a big line. There’s a small sign in the front and it mentions all the rules of the game but you’re in the back and you don’t see it until you get up but you stand in line all this time. When you find out the rules, the game isn’t yours to play. You stood in line for no reason.

Game Of Money

I want you to understand the rules and the game that’s being played. It’s the game of money that nobody showed you how to play. They just assumed you knew the rules and they’re playing you under that assumption. I want to give you the behind-the-scenes look so you can finish on top that many people do and don’t share with you.

Some of the financial advisors, insurance, and realtors are not playing the game either and know all the proper rules. It’s been an eye-opening experience as I’ve done some lunch and learns and sit-downs with individuals and professionals who come in denying the capability and were astonished. They’re then singing the tunes of understanding what this is doing and helping their clients create additional wealth. It’s not about adding a debt. It’s adding a debt to create wealth but eliminating that debt sooner so wealth is further created.

This is not something I’m asking you to get a degree in or be an expert but I’m asking you to have an open mind to review some simple items and links that you can look to and get a better understanding so we can have a further discussion to gain your numbers and run those for you. We can then show you what can be done. That’s all I’m asking and all I’d like to do for you. I want to run your numbers. I want you to gain a better understanding and further finish on top. (888) 543-3980.

If you made the decision to refinance in the last few years and you have a low interest rate, you made that first step but let’s get that effective interest rate. I had one with 0.74%. Their effective interest rate is below 1%. It’s not a refinance. Don’t call me up and say, “I heard you talk about 0.74%. I want that refi.” It’s not refinanced. I need to run your numbers and show effectively what it can do for you.

We’ve taken 4% or 5% interest rates and got them down below 2% effectively because we’re retiring the interest and eliminating that interest being paid which then lowers the overall percentage that’s being paid on the note. It is simple math but it’s very complicated if you’re not aware of it. I’ve been excited to help a lot of families and people.

In a mortgage, it’s a different cycle of events. Half the battle here is getting that first deployment and then it’s like, “Why wouldn’t I do it?” It’s getting people to do something a little bit different outside the current lane they’re in and then seeing that with no obligation but it’s all about education and understanding. It’s making decisions with the right information.

We do home loans and lending, whether it’s going forward or in reverse, whether it’s your first home or second home, moving up or moving down, or whatever the case may be, construction or commercial. We’re doing FHA and VA. We have various other programs. We have the California Dream Program. It’s 20% with CalHFA. They’re out of money. That’s no longer there.

It doesn’t take 20% down to buy a home. You can do that with no money down on a VA loan. You have a little 3% down with some of the bond issues or maybe even 100% financing available. You have 3.5% with FHA. They can allow lower credit scores to get in the door. If you can get in the door with a 550-credit score with 3.5% down or even down to a 500-credit score or in some cases, a little bit more down, we can get you in the door.

I’m curious as to what it is that’s causing your score to be as low as it is. I want to attack that to get you a better score to get you a better loan. That goes into marrying the home and divorcing the debt but also, you’re dating the loan. I want to make sure that you’re dating the loan but you can choose not to continue to date the loan by getting rid of that loan prior to having to divorce. They’re all the semantics of what I’m trying to explain.

It’s crazy. There are a lot of ways that we can help improve your situation, save money, and keep that money with you, and I want to be a part of that. I want to be on your team and be your teammate. I want to make sure we can do that together. You have expertise. This is my expertise. This is what I like to do for you. I don’t sell your information. It doesn’t go anywhere else.

I will ask all of you to make sure that you go on your computer or phone. If you are in the market and you’re thinking about running your credit for purposes, I want you to go to OptOutPrescreen.com. I need you to opt out. If I were to run your credit, which I don’t run at first glance because I want to gain documentation and understanding first, I want you to understand that your information from the credit agencies is being sold.

I don’t want you getting 34 or 56 inquiries about your decision to purchase a home or get a loan. Go to OptOutPrescreen.com. You can call them at (888) 5-OPT-OUT but you need to register to do that. It takes 3 to 5 work days to get that in line. I want to make sure you do that. I advise that on my signature on my email to every party. There have been some interesting stories where you had a loan officer doing their loan and the person calling was telling her, “Your loan officer said they couldn’t get your loans so they told us to call,” and they were talking to her.

There are a lot of fishy things that will go on and I’m allowing you not to have that happen. Whether you’re using my service or someone else’s, I want to make sure your time is protected because you’re going to get those phone calls. You don’t know when you’re answering and who’s on first. I don’t know third base. It’s crazy. I want to try to eliminate a lot of that. We all get emails and we’re getting all this junk stuff coming in. Sometimes it isn’t junk and we thought it was junk and then we missed the item that we needed. I want to make sure your stuff is correctly moving through the process. Give me a call at (888) 543-3980.

We get a lot of appointments that are set through this program. You can go to our site and set up an appointment on my Calendly. It will have the openings available whether it’s a 15, 30, or 1-hour appointment. I can do that on screen, on the phone, or whatever is best for you. I want to make sure that we have that ability. If the appointment is not there, pick up the phone and call me. Let’s see what we can do to move things around because I want to have time to work and speak with you. I’m never too busy to make that happen.

I want to make sure I have that time so we can help save you money and help you with the right decision. I have appointments in regard to some purchase pre-approvals with people looking to make offers. I have others who are doing some ADU, home improvement, and consolidating debt. They’re being ready to move on the financial GPS program to eliminate that debt even sooner starting from a lower interest rate cycle than they were before.

Also, getting rid of those 18 %, 20%, and 30% credit cards and getting them down to a consolatory number closer to 8% to 10% even on a line of credit. That line of credit is simple interest and not amortized interest so your home loan is paying 50-some odd percent interest or even higher based upon the breakdown of your statement. However, that equity line is sitting here constantly even a 10%. That 10% money is cheaper than the mortgage money that you’re paying even if that mortgage has a much lower interest rate. That’s part of the principals but it’s manipulating those items to get rid of those higher and more expensive items so we can attack effectively.

I want to show you those examples and give you a couple of links to take a look at that are very simple to follow and understand. We can then look to set a time to run your numbers. I’m going to make sure I’m a part of every single call and transaction and it will be me who will be speaking and working with you. I make that commitment. I truly do. Let the phones ring. Let me be busy and I’m going to make sure you have the right result. You’re not going to be let down.

If I can help you, I’m going to let you know. If someone else can help you better, I’m going to let you know where you should go get that help. I had some informational items. I had past clients. One’s moving to Georgia and one’s moving to Tennessee. Another one was moving to a local state in Nevada. I’m not approved in either of those three states but I had individuals that I was able to refer to in those markets that they’re calling and working with.

I was confident with the individuals that I had to refer. They are not associated with my company but I wanted to make sure those clients were professionally taken care of and I knew that they were being handled right. The clients thanked me for everything that I’ve done over the years, what they’ve done for their families, and for helping them with the right referral to move forward. They wish me the best. I wish them the best. I’m here for any of their family or friends they left behind.

The five states that I do loans are California, Colorado, Texas, Montana, and the State of Washington. I’m able to do loans in those states. I can do rental properties in about 30 other states under the DSCR loan or Debt Service Coverage Ratio loan under non-qualified mortgages. When I can’t, I’ll refer. If I’m not the person or the profession for what you’re looking for, I will help people that I know have done the job before.

I have Marisha Charbonnet who comes on our program, some financial experts about money, insurance experts, and various people that I can help refer you to and that can give you answers so you can make the right decision. You can compare that with the other experts that you have to make sure it’s right for you. I’m not a CPA. I can give you what I believe in certain cases for tax but I’m not a CPA. You check with your tax advisor what’s right for you but I’m here to save you money.

I’ve had some people in the past say, “I can’t afford to lower my rate any further because I need all the deductions I can get.” “I can raise your rate to 12% and increase your deductions and we’ll be in good shape.” No. I want to show you how you can save money and have more money in your wallet and you can make sure you’re in a better financial position.

In past programs, we’ve talked about reverse mortgages. A reverse mortgage has gotten a little bit different because interest rates have gone up and they’ve changed some of the percentages on how they’re being computed as a result. You’re not gaining the same percentage as you were before based on age. The actual real tables have changed based on the rate. That’s changed a little bit to the percentages. I want to make sure we’re running those numbers.

If you’re 55 years of age and older, all I’m asking you for is the date of birth and how much is owed on the property. I want to know who you are and maybe I want to get an email to send it back to you. I want to do a workup if that’s possible. Let me try. Let’s see what we can do to help alleviate some of the obligations you have monthly and maybe even eliminate them much sooner.

—

It’s an interesting time that we’re in. Mortgage rates have been moving up historically but we’re still historically lower than our 30-year average. Many of you haven’t seen interest rates in the areas that we’re in with 5s, 6s, or even 7s as the front number. In some cases, even higher, as the prime rate is at 8% and soon to be maybe 8.25%. Many of you have prime equity lines plus so you’re sitting at 9% or even 10%.

Equity Line

Some of the inquiries that have begun are, “My equity line sits at 7.75%. Can you get me a lower rate?” Your interest rate is better than the market but what I’m effectively doing is lowering your interest rate by eliminating interest up front by gaining a better result. We’re attacking those balances a lot sooner allowing money to be saved. We had a gentleman who wanted to protect his first mortgage. He was sitting with 3% something in the front.

He had a second at 7.75% and he said he needed help because that second went up. What he has is in good shape but he also has credit card debt and other items. We were able to sit down. We shared a screen and we went over his numbers. We took his current obligation, his first, his second, and his credit cards, totaling them all up and doing the payoffs on it. His current bank plan was to pay off all of his finances in 27.2 years. In 27.2 years, you would have been debt-free and staying on course, not adding anything new as far as outside debt.

Under our GPS program that I’m talking about, we took him down to 7.8 years. If I told him it was 12.2, he would have been happy but 7.7, 7.2, or 7.3. It was moving around because as he saw it was so low, he was making a game of it and he wanted to refine his numbers even better to what he wasn’t telling me. That goes into the junk in and junk out so accuracy becomes important.

Once you have the program, you’re able to maneuver certain things. If you have variable income, you can then get that right where you have more income in part of this month and less that month. You can move things around as such and it’s very easy to do. We’re on the initial workup. We’ve got to put it together in a way that it’s making sense but I am not having it free flow because the program isn’t yet open for that instance. It’s more of a demo. It’s very accurate and we stand behind that accuracy. If you follow the program, they guarantee the results. We’re very much on top of that.

Since 2006, 2007, or 2008, nobody has cashed in or done anything on those results or guarantees. If you follow the program, it works and it’s not that difficult to do. Every day people talk about 10 to 15 minutes per month and maybe you do it a couple of times. I do it a little differently. I have it open on my screen. In the morning, I log back in if necessary. I open it up and see what goes on. “What do I need to do? Those too, okay.” It tells me when, how, and why, whether it’s transferred from this account to that account. It’s got everything there.

Security-wise, it’s very secure because it doesn’t have your account numbers, name, or anything else other than, “It’s a ledger.” It could be anyone’s ledger. You’re not too worried about that. Your personal information is not there but when I’m able to open that up, let’s say it tells me, “The water bill is due now.” I go ahead and pay it online. I execute them. It’s paid. It automatically keeps track and it’s ready for my next month. If you go down, it gives me 90 days and tells me what I need to do.

We have property taxes that were due. That was a budgeting item that was on my budget that it was budgeting for. It was appropriately putting the money aside and making sure I didn’t reach certain thresholds that I didn’t want to reach. It was making sure my items were paid to that point that was then taken care of. It’s out of the way so it’s not an item that occurs every month. It’s going to allocate funds appropriately and do some acceleration until the time that we get to the next debt item which then will be in December 2023 for the property taxes.

That’s the property taxes. You can put it in there for two different payments and do different times, whether you have auto insurance, umbrella policy, earthquake insurance, or life insurance. Whatever the case may be, you can put everything there as those larger items along with the credit card items and any other monthly household items you may have, whether it’s gas, water, power, electricity stuff, or a waste management type of stuff. You could put all those things in. Some of those vary on a month-to-month basis.

I was talking to a gentleman. There have been some subsidies that have been occurring with different utilities. One of them, let’s say, has a normal utility bill of $70 some a month, and all of a sudden, this month, he had a credit of $7 because they credited back money. It’s not typical but that extra money will come in handy and the system will utilize that effectively to eliminate debt. In the next month, it goes back to more uniform to what it was but the program in the system is going to allow that to occur. You have thousands of programs that are working simultaneously and instantly.

Go back to your childhood when everyone’s teaching you and showing you how to do math and all of a sudden, they showed you that a calculator exist. You’re like, “Why would I do math if I could just use the calculator?” It’s nice to know how to do it and how something works but it doesn’t necessarily mean that you have to be the person doing it.

I take it to this. A few years ago, I had to have surgery. I’m not performing my surgery but I want to understand what it was that was getting done. Understanding is one thing but doing it is another. I want it done the most efficient and proper way from the person trained to get it done. This is a perfect financial GPS program.

The thing I like about it is I love numbers. I’m pretty good at this thing but I was leaving money on the table because I’m not going to be that perfect algorithm of computation. The thing that I like is I can divert away but it tells me how to get back on course in the most efficient manner if I need to do something different. However, it’s also a smart system that you get smarter for looking and following at the same time but I like the fact that it doesn’t talk back.

Be smart. If I do something different, don’t be like, “I told you.” I don’t need someone giving me crap about it but I like the fact that I’m learning a little bit more about timing, effectiveness, and things that I thought I did know and do know but maybe I wasn’t doing as efficiently. I’ve had about 9 out of 10 clients who have savings and checking money, and it’s still sitting at 0.1%.

Are you guys aware that you can go get 3.4%, 4%, or 5% under money with idle funds and then you can move them? One day, it’s moving from one to the next and you can take care of that just like that. These are things in the principles of money that no one’s sharing with you unless you ask. I called my cable company. I got a cable bill I wasn’t extremely happy about. I saw that it went up. I’m going, “How did it go up?” I gave them a call and they’re like, “The promotion that you had has expired. Now that you’ve called us, we’ll put you on a better promotion.”

If I didn’t call, I wouldn’t have gotten that. You’re going, “What are you watching?” My cable bill went down a $100 a month because I asked. It’s the thing I saw about utilizing this opportunity, labeling, having everything there 90 days out in a screen, and understanding as I execute these payments. It’s like my water bill. It changed by $2 last month. “That’s fine and understandable.” However, if it changed by $25 or $30, do I have a problem? Did I leave something on? Is something incorrect?

It’s going to make me more aware as it is visually there, keeping track and showing me debts and pay off. It’s not costing me time or money to do so additionally forever and ever. You own the program. Let me show you what it can do for you. Call me directly at (888) 543-3980 or email me at Radio@United4Loans.com. I want to know what I can do to save you money. I write home loans but once you have a loan, I want to talk to you about your debt and getting that to go away.

—

I’m excited to be here. How about you? If you’ve stumbled into me, what do I do? I own a mortgage banking company called United Mortgage Corporation of America. I’ve been doing it for many years. My goal is to try to change lending one household at a time, whether you’re lowering your rate and what you pay, whether you’re gaining pre-approval and buying a home and knowing your why. Why are you buying a home? What’s your motivation? Are you looking to be here short-term or long-term? Are you adding to your portfolio?

We’re going to identify all of that but we’re also going to take a deeper dive and take a look at what it is you are doing. Where are your goals? Are you expanding a family or are you downsizing at this moment? Are the kids coming back? Where are you in your process? Where are your debts, obligations, and payoffs occurring? When do you see them being taken care of, or do you? Maybe it’s not as important to eliminate the debt as much as to leverage the debt to buy more possible doors for more income through real estate.

Maybe you have better ways to earn a higher return. We do all of that. As a lender, we’re not going, “Here’s a loan. Goodbye.” We want to make sure we’re there on your journey for your real estate life. Whether you’re buying a home to live in and that’s where it stops or you’re buying a rental property, a commercial property, or construction, we want to be there throughout the process to help with every decision.

We want to make sure you’re making effective decisions as you’re walking down the street every way. We’re looking up, down, around, left, and right. We’re looking everywhere to make sure the next move is the right move. What we’ve been able to accomplish and do for many is a perfect financial GPS program that we’ve been moving and having done with loans that we’re closing, as well as past loans that have closed and clients that are not even doing loans with us.

We’ve been able to help them eliminate mortgage interest sooner and eliminate credit card debt faster by not changing their life. You’re not going on pork and beans, going on a diet, eliminating things, or changing a lifestyle but it’s effectively utilizing time and money. Utilize the eight principles of money to gain a better result. Someone said, “Hogwash.” It’s not. I want to send you maybe four links with no obligation. It’s not taking a lot of your time but you can gain a better education to what it is I’m talking about.

No one’s trailing the item or calling you because you got it. You’re not being tracked or sold to somebody else. That’s not the case. It stops with me. I want to help enlighten you about the thought of having more money than you do now without changing the way you’re earning your money. A better result. (888) 543-3980.

Your income taxes are due in April but you’re going to say, “No, they’re not. We have another month. I could file an extension. They’re not due until October.” If you have an obligation you owe, you need to make those payments or else you’re going to have a huge bill additional on the penalties or interest. Don’t go there. Talk to your tax professional.

Some of you are saying, “I got a refund.” That’s great. I’m glad you got a refund but thank you so much for giving your money interest-free to our government so they can give it back to you because they wanted to hold it longer than you could have used it. There’s a better way. Let me help guide you through a path so you understand and can utilize your other professionals to understand better how you are going to finish out on top.

In 2023, I got a refund from the state but I owed the Fed so I had to play the game the way I had to play it. I filed my state. I got the refund from the state and then by tax day, I’m going to pay the Fed to not have penalties so it’s robbing Peter to pay Paul. I did what I did but the bottom line is that I want you to navigate which you can do best for your particular situation with your professionals, CPAs, accountants, enrolled agents, or whoever the case may be.

However, if you have student loans, car payments, credit card debt, other obligations, a mortgage, second mortgage, a second home, or investment property, I want to talk to you about a better way to help lower your obligation and pay it off sooner by especially attacking the amortized debt. Take a look at your mortgage statement when you have the opportunity, and then tell me. Send me an email at Radio@United4Loans.com.

Give me a percentage. You tell me how much of a percentage that interest payment is off your overall payment. Is it 53%, 62%, or 83%? Depending on where you are in the process, you’re not even 50/50 until you get to about 21.4 years. Maybe you’ve paid an extra $100 and you rounded it off. You sent an extra. Maybe your breakeven is a little bit sooner. Your amortization has changed. Your payoffs are a little bit sooner but maybe it’s been redirected a little bit not as accurate as it could be.

You’re playing a game and hitting the dart board but you’re not hitting the bullseye. I want to get you the bullseye and save you a lot more money. We’ve been seeing tremendous results. I’ve seen people save $500 up to $2,000 a month in interest based on their current obligations. Some people have a lot more holdings, credit cards, or other debt.

We saved $247,000 in interest over the life as his payoff. Mind you, he was paying that loan off so much sooner with the money that he didn’t have to pay anymore. If we shove that money at 1%, he had almost $1 million of additional cash. It’s crazy how money and numbers work but they do. Numbers don’t lie. It’s understanding and utilizing them correctly that most people don’t do.

We have the opportunity to fill appointments with the local calendar. I like to get more appointments and people online after they look at the links. I want you comfortable. I’m also going to send you a spreadsheet so we can fill out the information so we can be ready for that appointment to run your numbers to make sure where your payoff is so you have a decision to make. However, we can go through that as fast or as slow as needed to make sure you’re making the right decision.

If I told you I could shave 5 to 10 years and $50,000 off your debt, you’d go, “Really?” How about if I tell you that it’s $100,000 and it’s more years? How about it is 1/2 or 1/3 at a time? In some cases, it’s 5 to 7 years. It’s that much of a difference. I work the same opportunity myself and I’ve taken my obligations down. I had a mortgage that would have 26-plus years and I’ve gotten it down under 10. Let me show you what I’m doing. You could tell me at that point, “No, I want to pay more. I’m good.” Okay, but let me show you what the opportunity is.

The thing I like about this program is you have the ability to view this on a screen. It’s secure and your information isn’t being shared because it doesn’t have account numbers and details like that but you have the ability for you or your spouse to hop in and each of you knows what’s going on at any given day and time. It’s very transparent. It’s not rifling through a drawer, looking for the right envelope, the right statement, and the right item.

You can still run your backup and have those statements. It’s up to you, or store them as you get them electronically, if that’s the case but you have the ability to log into 1 location and see 90 days out with all your items listed. As they’re retired, they’ll have zero balances and won’t show up on the daily but you’ll still have them there. It gives you an itinerary and an accounting of what is going on.

Let me help organize. One day, you bought a calculator. You went from the typewriter to the punch key to the long Remington’s. You went to that electric typewriter that moved too quickly and you got rid of that typewriter. Who’s using a typewriter? Who’s using a roadmap that’s in your glove compartment? I remember that. I remember my dad opening it up and it’s blocking the whole windshield. My mom’s yelling at him, “What are you doing?” All of a sudden, the map comes back to me. I had to figure out how to fold it up and get it back into the same squares that it was in before.

You’re sitting all frustrated not knowing what to do and someone else eventually got to it. However, you’re not using those roadmaps. Some of those are collectibles probably but you can go on and have that GPS program for finding out where you’re going most effectively. If you don’t make the right turn and you miss the turn, what does the program do? It says, “Recalculate.” It gives you a better path to go back to the most effective route to get to where you need to be. It’s all about time but in this case, it’s money management.

I want to make sure your money works hard for you and you’re not leaving money on the table. I want to make sure there’s not a hole in the pocket and where the change goes. Who deals with change? Those coins don’t even feel the way they used to feel. They’re not made with the same material. A lot of us don’t even carry money anymore. You’re carrying various items with debit, pay cards, and other things.

You’re able to go electronically and that’s great but this is the next step for you to be efficient with your finances. Let’s make that happen. You don’t have to be a computer whiz or a text expert. This is very simple to handle. You made it through your calculator. You can make it through this. I want to make a difference in your real estate life and with your finances.

I have a broker’s license in the state of California. I’m a mortgage loan originator in five states, California, Colorado, Texas, Montana, and the State of Washington. I do hold a California insurance license for life health and disability. I do not personally write at this time but I am licensed. I want to help you attain additional wealth through real estate. I want to make sure your money’s working most effectively for you but you have the right protection for your home, family, and life.

I want to make sure your estate plan is in the right order. That’s why I have Marisha on my show once a month because she’s making a difference in many of our readers’ lives by doing the right thing and having the right estate plan. It’s not making a decision going, “Was that right?” Making a decision and then looking back is not the best way because you can’t correct certain things and it can cost you thousands upon thousands of dollars.

Add someone on the title and take someone off the title. “I gave it to my kids. I did this.” It’s changing the tax basis and so many things. You want to make sure you understand the ramifications before you make a decision. The simplest example is when you call your CPA, “I just leased a car. Should I buy it?” You just lease the thing. You should have made that call first, or the opposite, “I bought the car. Should I have leased it?”

You have to look at the consequences of what your actions are but understand those prior to making them. That’s part of life. I want to make sure your financial decisions aren’t things that you have to learn a lesson to do. I’ve been doing this for many years. I’ve seen many successful individuals and people who have stepped all over themselves and created havoc. Regardless of what was being advised, they did what they did and then came back saying, “Oh, my gosh.”

I had someone call me who said, “I elected to utilize someone else for my purchase but just to let you know, they messed up my loan. I didn’t get the house. I’m looking for a home this weekend. Would you help me?” I look at it another way. I was the second choice but I should have been the first choice and maybe he would already have his home, or maybe not. He’s coming back because he was burned by somebody else but we saw the light and he’s coming back.

Some people would laugh. I’m going to try to help him in the best way possible to save him money. The fact of the matter is he’s going to benefit by utilizing the perfect financial GPS program on top of the acquisition that he’s looking to do. We’re going to save him more money than they ever even imagined. He made a mistake perhaps. Maybe it was the right move. Maybe you shouldn’t bought that house. You never know.

It happens for a reason but he’s going to come out extremely happy with where he’s going to be heading and going. You marry the home, date the rate, and divorce the debt. We’re going to walk you through each of those stages. If you already married the home, we’re going to show you how you could date the rate. If your rate is good, let’s lock it up and keep it but let’s go ahead and divorce that debt.

I’m going to walk you through those steps. I need to hear from you. Radio@United4Loans.com. I want to know who you are so I can go ahead and send you those links. I can get that done pretty quickly and I want to hear your opinion. You can call me at (888) 543-3980. I want to talk to you. Until the next episode. What kind of loan do you have?

—

Thank you so much for reading. I want to make sure your finances are working perfectly for you. Have a tune-up. We want to make sure the interest that you’re paying is not too much. Your lender loves you but you don’t need that kind of love in your life. Let’s retire that debt early. It’s not a refinance or debt settlement. It’s nothing of that kind in most cases but it’s me showing you the principles of money and eliminating debt sooner. Give me a call at (888) 543-3980. Let’s get on my calendar. Email me at Radio@United4Loans.com. We’ll talk next time.

Important links

• Radio@United4Loans.com
• OptOutPrescreen.com