Powell Visits Capital Hill

• March 12, 2023
• realestatelife
• Podcast

Understanding the economic symphony is the first step to empowerment in finance. Michael Harris talks about the impact of FED Chairman Powell’s discussion at Capitol Hill, with a focus on how to live and thrive in today’s financial world. He explains ripple effects that happen through different sectors of the economy and explains how these discussions influence everyday financial decisions. Michael also discusses interest rates, mortgage trends, debt management strategies, and more. Also, Marisha Charbonnet joins Michael to talk about the best way to deal with your most treasured possessions.

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Listen to the podcast here

Powell Visits Capital Hill

I want to know, as always, what kind of loan you have. If you’ll lose an hour, where does it go? You may lose an hour but I’m going to show you how you can gain back your dollars, every single dollar. Let’s work on that. We’ve had many individuals retire their debt much sooner without changing their lifestyles. We’re here to help you with financing when it comes to one of the largest items you have, your home.

I may get you into that largest item but I want to show you how to responsibly pay for that item and pay it as fast as possible without changing your lifestyle. (888) 543-3980. You can email me at any time at Radio@United4Loans.com. You can get started on our website. Go to our radio site at YourRealEstateLife.com or our company site at United4Loans.com. We will work with you on your purchase refinance going forward or in reverse. We’ll help you here in California, Colorado, Montana, Texas, and the State of Washington.

We can help in about 30 other states when it comes to what is called DSCR loans or Debt Service Coverage Ratio loans. For those investors who are looking to purchase, we can help there. We’re also helping a growing number of individuals on cross-collateralization loans. That was a term of the past. No, it’s a term of the present. We’re helping individuals who own multiple properties. Some may be free and clear. Some have tremendous equity.

The equity lines have gone higher. Yes, they’re interest-only. They’re not amortized loans but they are at prime plus 2% on a lot of occasions. Even at the reliable local banker institution, they’re charging to get those closed, a number of them are. When you’re looking at a rate close to 9%, it’s 10% as the Fed will look to go up and we’ll discuss that shortly as well.

We are looking across collateralization loans at about 7.25%. That’s on an investment property as well. If you’re looking at 7.25% and then as equity increases or your debt goes down, you can release the other properties on hold, that is a viable solution. We’re here to come up with solutions for you, whether you’re a first-time home buyer looking to put down 0%. We have some cases like that but even that cross-collateralization loan, 90% financing up to 100% financing for certain qualifications. If you want details, give us a call at (888) 543-3980.

We are about solutions going forward. We have individuals who are getting pre-approved for their first purchase. Yes, they’re getting qualified. We have sellers that are also looking to contribute towards closing costs. We have buy-down programs, whether it’s a 1-0 for one year, 2-1 for 2 years, or 3-2-1 for 3 years. They’re buying down the rate 1% at a time to help a home buyer get into a property.

If you buy down the loan for 3 years, a 3-2-1, if the market is coming back and interest rates go back in the 5% as I anticipate perhaps come the third quarter of 2023, we’re looking at an ability to then refinance to a long-term or 30-year fixed. The buy-down money is not lost. That goes into the payoff of your existing loan, which means your seller is perhaps paying for your next transaction, your refinance. There are a lot of details when it comes to lending and this is in my lane. I’m not over my skis and I’m right there with you.

I want to be on your team and be your teammate. You do what you do best. This is what I do best and I want to work with you. Call me directly. You can reach us at any time at (888) 543-3980. Anytime I’m not reaching you directly by answering the phone, I will be planning on doing that almost immediately thereafter. My weekend does not rest until I reach you, whether it’s a text, a call, or an email, whatever the case may be convenient for you. You may be on your way to work or your way home from work but I’m here for you.

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We’re talking about lending and debt. We’re at the highest we’ve been in credit card debt ever. That was a large item. We’ve seen a lot of the gyrations of that statistic. What has moved with that statistic was during the pandemic and the first sign of some of the money coming back in from the government to help, people pay down their debt. That was the first thing they did. They wanted to get in a better position but the next time they got money, they bought things and then they started using that credit card again.

Have you looked at the credit card interest rates? Some of you don’t have balances and you pay them off every month but some of you don’t. I was going over some debt with some individuals and trying to put them on a better track, 29% or 30%. It goes up and it’s large. What we’ve done is sit down with individuals and look at the current structure of their obligations. We’re looking at their current mortgage, which perhaps has a great interest rate. We’re looking at their credit card debt and when they’re going to be debt-free. What’s the bank’s plan?

In some cases, they were paying the stuff off in 26 or 30 years. That was the whole course of the debt structure. We’ve been able to reframe using eight principles of money and a perfect financial GPS program that enabled many, like all of whom I’ve sat with, to decrease the term of their debt. Without changing their lifestyle, we’ve seen 1/3 or 1/2 of the term go down. I’m not eliminating the principle. You’ve bargained into that and signed for it. What I’m doing is using the eight principles of money to help alleviate the interest that was contracted over the term by decreasing the term and eliminating early interest, especially on the mortgage.

We can go over this example individually but if you look at your mortgage statement, especially if you got your loan in the first 21 years, you’ll notice that more money is going towards interest than principal. In some cases, with interest rates going higher as they are, we’re seeing up to 84% of that first payment going towards interest. If you amortize the whole loan out and you go 30 years, you might be paying over 50% interest. Your loan at $275,000, $375,000, 4%, 5%, 6%, 7% is a lot higher than you may realize. The true interest rate is different.

I want to go over this with you and show you how I can eliminate hundreds of thousands of dollars of interest with no obligation. All I ask is I like to know that you want to see some of what I’m talking about. I’ll send you a few links that you can review. If you want to do that, you email me at Radio@United4Loans.com and say, “Send me the links.” Give me your name and phone number, and I’ll send that right out to you.

All I’m asking you is your opinion. I want you to review the information and decide if it is right for you. It should be. Not emailing and calling is going to cost you thousands of dollars. It’s a free phone call. I’ve utilized the same principles myself. My 26-plus year’s mortgage and all other obligations are being retired under 10 years.

I want to show you how this is done and run your numbers but first, I want you to understand the concept a little bit further. You don’t have to be an expert but I want you to understand. If you’re in your car and you could use your phone, use a GPS. You get directions. You miss the turn. Recalculate and it’ll re-forecast to get you back in the fastest way possible to your destination. You’re going, “Technology.”

Some of you are going to say you have them still but when was the last time you had a whole glove compartment of roadmaps and you’re out there driving? You open up the roadmaps all over the car and you’re sitting there driving and then you’re in a nice accident. You’re using technology to move yourself further forward. I want to show you what the banks, insurance companies, and others have done for years.

No one has shown you. I want to show you and let you in. I want to show you how you can be a secure bank. Your items are secure. No credit card numbers, bank account numbers, or personal information is on where you’re logging into. You have full access and it goes 90 days out. You could update and change things. I want to show you how. Radio@United4Loans.com.

I have a very busy weekend of appointments many on camera and we’re doing those after the program. We have appointments, and people in first or second appointments are looking to take a step forward and improve their current financial position without refinancing, consolidating, debt forgiveness, or anything of that kind. We’re not living on pork and beans. We’re sitting here not changing your lifestyle but saving you money.

I’ve been able to use this in tandem with my current clients, past clients, and future clients. We have clients who don’t even own a home but have debt at $85,000, which is being paid off in 15-plus years down to 3.4 years. We had an individual who was going to be debt-free in 28 years down to 5.9 years. We are looking to make a difference in your real estate life and financial life. (888) 543-3980.

We had Fed Chairman Powell, who was speaking to both houses, the Senate and House. He was talking about where things are going for interest rates, where things are with inflation, and how we’re data-dependent. We had the employment numbers come out. We’ll talk about that too. We’re still looking at what’s going on.

We had the employment rate go up a little bit. We see things happening. We have inflationary numbers coming out but it’s still about May 10th, 2023 before we start seeing a change to some of the inflationary numbers. We’ll see it for three successive months. I see lower interest rates coming soon but we had a bank failure. That caused a lot of stir in the bond market and a flight to safety on treasuries. We saw a little bit of betterment of interest rates.

Although we have better interest rates, we’re still not where I see them eventually going. It allows us to do some planning. We want to get people on loans with little to no cost. We may still see a six as the front number. My thought is we get a loan at a lower cost to be in position 6 or 7 months down the line to then lower your rate so we don’t outlay money now.

I have a gentleman who had wanted to buy down his interest rate but if he’s buying down his interest rate on let’s say a $500,000 loan and he pays a point, $5,000, and if he’s saving $40 or $80 even a month, he’s not going to like me until 7 years or whatever it is. We’re going to be moving the loan prior to that based on the cycle. I don’t want to throw the money. If it’s a seller paid, maybe but then he’s adding it sometimes to his purchase price.

We’ll talk about that with your expert, your realtor. We’ll look to have that proper offer with financing in tow and the proper negotiation in place. You have a team of experts. You’ll lean on that team of experts based on the market. The market is not the way the market has been. You need someone who has experience, whether it’s your realtor or lender. You need to know you are being represented. You could perform your surgery but good luck. I hope it works out well for you. I want to make sure you have the best representation from start to finish. It starts with a pre-approval. We gather documentation.

We will look at bank statements. Looking at bank statements, what’s on them? Odd deposits, non-sufficient fund charges, or various things that can cause a little bit of a hiccup. We want to make sure we’re ahead of that, especially if you’re self-employed, because if you’re self-employed, you may even be using bank statements instead of tax returns to get a loan.

You might be filing your tax returns, getting them ready, or maybe you’re getting ready for that extension but you better be ready to pay what is owed because the lender’s going to want to see the obligation through what you have coming forward is being taken care of. We can look at profit and loss statements, bank statements, and tax returns for the previous two years but we need to get a good idea of what’s going on.

If we have bonuses over time and various other items for W-2 employees, we’ll look at history. We want to make sure it has been occurring and will continue to occur. We want to look at these items. That’s why you get prepared. I’ve had individuals. We look at credit. I want to gather the income and make sure everything’s okay. We’ll talk about credit but then we want to zero in on credit as well. We want to see that 740-plus, 720-plus, 700, or 680. We want to get a higher score.

Credit is going to be even more important come May 2023. They’re looking to move the scale higher for risk management to credit and scores and equity position. If you’re looking at cash out, you have a higher LTV, Loan-To-Value, and less equity in your home. If your debt-to-income ratios are high, these loans will have additional price adjustments.

I want to make sure we’re getting every single benefit we can through and through, and not leaving any money on the table. It’s very important. It’s your money but I spend your money the way I spend mine sparingly. I want value for my money so should you. I’m serious about saving money. I hope you are as well. I want to get you qualified but I want that money to stay in your pocket as long as possible and I want it getting back in your pocket as soon as possible.

We’re going to be looking at some items coming through. We had the non-farm payrolls, ADP, and various other items that came out. We’re looking at some lesser items happening but we’re seeing the market and the responses occurring as we go. I’m keeping an eye on things for you. I can’t say I’ll be 100% all the time but I’ve been doing it for many years. I’ve been watching what’s happening, working the marketplace, and making sure we can do the best possible for you. (888) 543-3980.

We had US job growth surged in February 2023. The economy added 311,000 new positions. The US unemployment rate rose to 3.6% so we did see that occur. We’re keeping an eye on things but the Fed is looking for that unemployment rate to continue to rise. People are talking about going up to 4.5%. The Fed was looking for some pain and that’s going to be felt by others throughout the system and that’s going to be probably problematic.

The Fed is looking to raise the discount rate. That discount rate should be going up 25%, which is going to be going up from the two-day meeting. We’re looking at May 3rd, 2023 of probably another 25%. June 14th, 2023 is 25% on the table. Some people were talking about a high percentage. They thought it would be 50% instead of the 25%.

What fears I have of that is we’ve already gone to 25%. We stepped from 75% down to 25% to go back up to 50%. It would instill some fear. It’s the path of 25% being data dependent and then taking a look. On July 26th, 2023, we may stay the status quo going into September, November, and December 2023 dates. Looking at the dates I mentioned, May 10th, 2023, we have inflation numbers coming out that’ll eliminate 0.6% off the table from 2022.

Depending on how things are going, we can see some improvement. That’s the tip. The following month in June 2023, we will eliminate May 2023 of the previous, and then in July 2022 again, another one. That will take us through our July 26th, 2023 meeting after what I feel might be the last move, June 14th, 2023. We’re going to go status quo as we start seeing a stabilization, not the 2% that the Fed’s talking about but getting more on the path. It takes some time for these Fed moves to move through, the 75%. All these moves and the quarters are going to take time for these to get through the system. It’s that all the adage.

When you take a shower and put on the hot water, you want hot water right away. You might get it right away but sometimes you don’t. You put it on full and go, “It’s too hot.” You dial it back. Are they going to go too hot and then dial back, or are they going to try to get it just right? We’re keeping an eye on that. Some people think maybe they’ve gone too far. Others think they should go a lot faster.

These are the things that we’re looking at in a complicated economy. We’re looking at what’s going on and how things and people are faring. We’re looking at various goods and services having issues and items and others not as bad. Some professions are doing well. Some others are getting hurt. Going through the programs and the systems and doing what’s going on, we will see. There are lending programs that can help you purchase your home.

We have investor products that can handle that for an investment property that is doing very well. We’re doing commercial and construction financing. For people who own a property free and clear rather than pull out that equity line, they’re able to cross-collateralize the other property to obtain financing on the new purchase. We’re helping with ideas and putting together the best plans based on the current market and circumstances and what’s coming or forecasted in the future.

If you want an honest opinion and approach, give us a call, United Mortgage Corporation of America, at (888) 543-3980. It’s so very important to be prepared. In our next segment, we have Marisha Charbonnet. She’s going to be talking about your stuff. It sounds like a good comedy routine. It’s very important to understand your stuff, what’s going on, and how you are looking to have that distributed.

It’s making sure you’re protected and your wants and wishes are being honored. I want to make sure you have a comfortable path from buying your first home to moving up, moving down, moving sideways, and adding to your real estate portfolio. If you are making a mortgage payment, chances are you’re paying too much. Your answer back on that is, “No, my rate is great. I refinanced. I’m in the 2%.” What if I told you I could get your effective interest rate below 2% with a 1% or maybe even lower? I’m not refinancing the loan. I’m showing you how to effectively handle money.

No cost to you. I want to meet on Zoom, input your numbers and all items, and show you the results that you can see for yourself and your family. It’s truly that easy. Radio@United4Loans.com. Say, “Send me the link and the email.” I’ll have your email address and I can send you a nice email. Toss me your name and phone number. I’m going to get you that information. Let me know what you think. It’s all about saving you money.

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I’m so happy to be here. We are talking about your real estate life. We’re talking about financially affording and having the right mortgage but also eliminating that debt responsibly, using the eight principles of money to allow you to retire that debt much sooner by eliminating interest faster. We’ve had individuals that have eliminated years, a third, half the time, half the term, saving $200,000 in interest. It can be you. You’re shaking your head but it is you.

All I’m asking is the ability to look and talk to you about your items, income, current liabilities, and obligations. We’re going to put them in and go over them. I’m going to show you a report. That report will show you how quickly you can pay off that money by doing the same thing you do. It’s that simple. It’s a perfect financial GPS. We’re looking at credit card balances as the highest they’ve been. They truly have.

We saw them being paid down in January 2020 with the first set of money coming in from the government. We then saw people buying goods on the second set in January of ‘21. We saw credit card debt go higher. It’s making sure you have your house in order. (888) 543-3980. We’re joined by Marisha Charbonnet. You are gathering items. Where are those items going? Who wants them? Marisha, what do you have for us?

One of the most common questions I get in estate planning is, “What do I do with all my stuff?” As humans, we like to collect things, whether it’s tchotchkes, shoes, sports memorabilia, or our kids’ macaroni art from preschool that we can’t part with. We tend to place tremendous value on those items we can touch and see. Sometimes those items have tremendous value like jewelry and artwork. Sometimes the value of those items, like my husband’s college collection of beer steins, is entirely tied to the sentiment and personal meaning they hold.

What’s the best way to deal with all our treasured possessions? For those who create a trust, personal property, AKA the stuff, is typically assigned to your trust, which essentially means it automatically becomes part of the trust assets and will be subject to whatever distribution terms you indicate in your trust. If your trust states that upon your death, the assets are to be divided equally between your kids, each of the kids is entitled to an equal share of the personal property.

The value of personal property often tracks garage sale prices. While much of the property won’t have much monetary value, it may have enormous sentimental value, which can spark a battle between beneficiaries if more than one person wants a particular item. One way to minimize arguments amongst beneficiaries and make your trustee’s life easier is to specifically designate certain items to certain people.

While people sometimes think they need to document every item they own in their will or trust and indicate a recipient, that strategy can be unwieldy because it may result in an extremely long list. It may create a situation where you’re frequently amending your trust or will because you’ve acquired something new or changed your mind about who should get something. A more efficient approach may be to list only the most important or valuable items in your will or trust.

For everything else, include a separate memorandum that the trustee or executor is to follow. That memorandum is a separate document you can update personally as things change. If you’re not inclined to specifically designate gifts to particular people, you may want to consider including a provision in your will or trust that directs the executor or trustee as to how personal property should be distributed.

Some people will draw straws or pull a number from a hat and the person with the highest number gets to select an item first. There are also services that will photograph, catalog your property, and then set up an online bidding process amongst the beneficiaries. Whatever method you select, giving the trustee or executor some direction can be helpful since emotions frequently run high after death and it’s often the items of the most insignificant value that trigger the most controversy.

More often than not, our legacies consist of so much more than cash and it is those items of no monetary value that people turn to for comfort and remembrance. Whether it’s a 5-karat diamond ring, your favorite rocking chair, or the collection of shot glasses from every state capitol, taking the time to allocate your treasures can be a worthwhile effort to keep the peace. For anyone interested in learning more about estate planning, I can be reached at (805) 496-4681 or FamilySecurityLawGroup.com.

Thank you so much, Marisha. That’s a challenge as each of us every day gets a little bit older. Some of our loved ones are getting older and we start thinking about that. We try to understand what we need to do and be prepared. You need to make sure your estate is in order and your wishes are being watched over. If it’s not, your state has a plan for you.

You want to make sure you’re looking out for that. Give Marisha a phone call. Give us a call directly here on the program at (888) 543-3980. We’ll get you in touch as needed. If you currently have an estate plan, you may want to make sure it’s reviewed and updated. Make sure it’s accurate to what it is you want to do.

We had the FHA change some of what is called mortgage insurance premium levels. We’ve seen savings on that went from 0.85% to 0.55%. Depending upon what you’re doing for fifteen years or the equity position, it could change a little bit differently. That 30 basis point is a big difference on a monthly payment.

We’ve also seen some changes a little bit on the VA side as well. We’ve seen some of those costs go down on low down payment loans. We’ve seen some costs also decline but when you have less equity and you’re pulling cash out, we’ve seen some of those costs increase. We’re beginning a little bit more creative with some of the formatting of those loans to try to save money for you.

A lot of that has to do with being prepared and also getting your credit score as high as possible. We are looking at equity positions. We can run a report on your property. I can send a ten-page report out to you showing the past, present, and future where things are to your property and value. I could email that to you. Send your request to Report@United4Loans.com. No obligation.

That’s going to give you an idea of where the lender sees value in your property. There’s a low, middle, and high. That middle has been about where things are. We were in the middle to high and then at one point, we were the higher up. In some markets, we’re still looking at higher than the list price. If that list price is trying to be competitive, sometimes that list price is still sticking its neck out a little too far. Depending upon your realtor, strategy, the way the property is listed, and the market that it’s in, you’ll see different results. Sometimes the price declines. Sometimes we see bidding over.

I have a few clients who are putting offers in. Some are slightly over the purchase price. A couple of them have been appraised still at that slightly higher than the purchase price in the market that it’s been. It’s very competitive in some areas, whether it’s a single-family, 2-unit, 3-unit, or 4-unit property. We have one buyer who’s looking at a five-unit property but that does put them into the apartment and commercial arena. It’s not single-family 1 to 4.

I want to go over your strategy, qualifications, and affordability. I may be able to get you a loan but be careful what you wish for because it may come true. I want to make sure you can afford that monthly payment and you are comfortable. Once you’re in that property, I’m going to show you how you can eliminate that debt not in 30 years but I’m going to take it down 1/2 or 1/3 the time. I’m going to show you how to do that. (888) 543-3980.

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What we do here on the program is help you obtain a home loan, whether you’re purchasing, refinancing, consolidating debt on cash out, moving up, or moving down, whether it’s a small loan or jumbo loan. We can help. We’re licensed in California, Colorado, Montana, Texas, and the State of Washington. We can do loans in 30 different other states on debt service coverage ratio loans.

If you’re looking outside of our market, I will look to refer you to a professional in that market if I can. This way, you can make sure you’re getting the best advice possible. If you want me to review any loan estimates, I can do so and let you know where the market is if you’re getting a good shake on the opportunity, making sure you are not spending extra money.

You’re an expert and you’re good at what you do. This is what I do. I want to help you save money. I spend your money the way I spend mine sparingly. Your lender should not be your Valentine. If you’re spending too much, shame on you. I want that money back for you. I want to make sure you are getting it back as swiftly as possible even after you’re financed.

I want to make sure you understand the outline of the principles of money, the eight principles that I want to go over with you. You do not need to be an expert. I want to set you up with a perfect financial GPS program that tells you day in and day out what it is you need to pay and do and make sure you’re on top of your bills, improving your credit scores, and reducing your debt. How does that sound?

We have investors who own multiple properties and they’re paying off properties in as little as four years. I know paying off a property isn’t necessarily the primary item when you’re in an investment. You’re looking at the income coming in. If you’re freeing up capital and qualifications to allow you to accumulate more doors and increase your income, that is the ticket. We’re not only decreasing in having debt elimination but we’re creating wealth.

I want to show you that eliminating your debt under 10 years instead of 26 years allows you to take that money that you would normally have been paying even at 1%. You know that in some of these institutions, you can get 5% on a 12-month IACD. You can get 3.4% on idle funds. I’m talking 1%. You could be sitting here accumulating over $1 million because you didn’t send it somewhere else. I want to show you how you can keep your money and have it accumulated. (888) 543-3980.

I’d like to spend one hour with you once you review an email that I will send to you with some links so you can watch the comfort of your home and time. I want to send you three links that will take you maybe a couple of minutes each. I’d like to send you a link, which will be about 28 minutes. That’s a long one but it’s 28 minutes instead of sitting with me for those same 30 minutes. You can be more prepared.

When we then get together, I want to talk to you additionally, answer any questions, and provide solutions but I also want to look to gain your information to show your results. You have a decision. Do you want to save money on your new plan or stay on your current bank plan? We’ll have that comparison together. It is truly that simple.

My biggest problem at the moment is reaching as many people as we’re reaching and having the time to spend with everyone but I’m doing it. If I have 30 of you in a weekend who want to look at your numbers, who want to understand what it is you are doing and how you can save money, and I want to spend a couple of hours with each of you, I have 60 hours to allocate. I want to make sure it’s convenient for your timeline.

I have appointments. I’m meeting with individuals. We’re on Zoom on camera and having people move forward and save. I want that to be you. If anything, be curious about what the program is. Let me send it over to you for review and then let me know your thoughts. We’ll get a calendar and an appointment together so we can run your numbers. It truly is that simple. (888) 543-3980.

I have professionals and insurance agents who are doing this for their clients, freeing up monies faster to allow wealth creation. They are able to retain their clients. No one’s taking them. They’re able to provide additional results. We have realtors who are signing up for the program, not only for themselves but utilizing it for their clients and investment clients who are then looking at this and buying more property.

We are seeing a huge influx in activity. It’s a different thought process. We have issues and people who are looking at this in divorce situations where someone is valuing the debt better than the other because the debt is being eliminated much sooner. We’re getting that taken care of as well. I want to talk to you about your real estate life.

Don’t forget that it’s daylight savings. You’ll lose that hour. As we have our Sunday morning program, you may think it’s an hour earlier but it’s not. I’m here to help you answer your questions, provide solutions, and save you money. I want to help you with your real estate transaction when it comes to financing. I don’t list or sell. I refer professionals as needed in the market that you are looking for.

I’m approved to lend in California, Colorado, Montana, Texas, and the State of Washington. I can do investment property loans in other states. If I need to refer, I will, but I’d like to hear from you. Let me know about your current 2%, 3%, or 4% loan that you cannot refinance because the rate is so low. I want to show you how I can get not a refinance but your effective rate that is below 2% by eliminating the forward interest that you’re paying.

Take a look at your monthly statement. You tell me the percentage of interest to the percentage of principle that you’re paying. Take the overall payment and get rid of the taxes and insurance. That’s not part of the principal and interest and divide the interest portion. Is it 57%, 63%, 78%, or 85%? How much interest are you paying on every payment?

As you look at an amortization schedule, you start getting less interest as you go. Your breakeven is about 21.4 years in. That’s when you get to your halfway mark, halfway to your balance. Let’s say you have a $600,000 loan. At 21.4 years, you owe $300,000. It starts getting heavy later but not heavy early. I want to help tip the scales the other way. It’s not difficult but it does take a lot of perfect items. Financial GPS with thousands of algorithms can handle it like that. Let me show you how. (888) 543-3980.

I’ve been so excited watching people of all ages get started on this program. I’ve had some younger individuals get started and set up their families in a terrific manner getting debt-free by their 40s, others by their 50s, and others by their 60s. I had a woman who was looking to get started in the program and she did. She was going to be debt-free initially before she started the program at age 103. Now, she’s going to be debt-free in 5.9 years from her current age of 75.

The Power of Debt Elimination

There are a lot of results that can be had. Let me show you how this can be done. There’s no miracle pill. No wand is being waived but you’re not only eliminating debt, you’re creating wealth. Let me show you the eight principles of money. Let me illustrate this to you with a very easy-to-understand PowerPoint presentation that we will share on a screen. We will look to do that together. First, I need to know you’re there and you’re wanting to save. You’re tired of doing the same old and you don’t have to.

Every single one of you reading, if you have a car payment, a credit card bill, a mortgage payment, or even if you’re paying rent and you have credit card debt, you don’t have to have a mortgage. You could have many different mortgages. Anyone who pays interest or makes a payment can benefit from this program. Let me show you how. Prove me wrong. Radio@United4Loans.com. It will cost you nothing to make the phone call. I’m going to rephrase that. It’s going to cost you thousands not to make the phone call.

Understanding the Economic Pulse

(888) 543-3980 or Radio@United4Loans.com. I want to show you how you can save money. We’re watching the CPI report coming out for inflation. The PPI program is coming out as well as retail sales. We have a housing market index coming out for February 2023 with permits also. We’re keeping an eye on those things. We’re going to keep an eye closely and see if the idea of the 25% or 50% is going to be coming from the Fed.

These numbers are important whether we go 50% and then it’s going to cause a little bit of a murmur because the 25% is the easier way to go. Add the 25% on the back rather than go 50%, and then it’s another 25% next. It’s like a hiccup. We go 25%, 50%, and then 25%. I’m not sure. We don’t want to have a disturbance but we do want to move based on data and the Fed is saying they’re data-dependent.

Federal Reserve Moves & Impact on Mortgages

As we come to the end of a cycle of the Fed moving, mortgage rates will sigh but with the 50% that was starting to be priced in, the mortgage market had already seen some moves. With the bank failure and some other items in the flight to quality and safety, it came to the treasuries and the mortgage-backed securities. We have seen the 10 Year Treasury fall 28 basis points. We came back from our higher levels. We saw the mortgage-backed securities also improved by 29 basis points. What that means is roughly about 25% points in fee. We saw some betterment in pricing. Prices got better, not best as I’d like, but that did save our clients’ money.

We had a client close. He signed loan documents. He signed at 6.125% at no points on an FHA loan. We’re putting him in a position to cash out refinance. We’ve consolidated a bunch of debt, taken care of some items, and saved him a ton of money. He’s already a signer and a user of the financial GPS program. He signed on to that.

Once he closes, we’ll update the other debts, take those out, add the new mortgage payment instead, and update his years to be debt-free. He has me assisting in helping him as well as rounding-the-clock systems and ways of support that he doesn’t lose for a lifetime. No additional fees or costs. He is looking to maneuver and save money.

What we’re looking to do is give him a loan at no point. This way, he needs a position later on when rates fall to perhaps streamline and save even more on his rate. We’re not looking to start over. We’re looking to conquer and hit all of that early interest to maneuver him further through the process so we can pay off debt much sooner. It sounds like a foreign language but it does not have to be. Call me at (888) 543-3980.

If you send an email to Radio@United4Loans.com, put your name and phone number. I’ll have your email. I want to send you some links and you’ll have those. I want you to take a look at those. Let me know your thoughts. Throw an email back saying, “I looked at them. I’d like to set an appointment.” If you look at the email I sent you, there’s a rectangle there saying, “Set an appointment on my calendar.” You can go ahead and set that in there right there.

You’re looking at the one-on-one 60-minute meeting there for the financial GPS program. You can set that time on the calendar and your appointment will be set. You can set up a consultation for 15, 30, or 60 minutes with me as well on the mortgage. You could do that right for my signature. I want to talk to you, give you the proper amount of time, and save you money. (888) 543-3980.

Financial Freedom

Appointments are filling up. If necessary, and you can’t find a slot that meets your needs, you call me. We’ll juggle, figure it out, and get the information you need so you can move forward and save money. I do not want to be a hindrance or a stopping point for you not saving money as fast as possible. That’s been my biggest concern. I want people to save as fast as possible. I have a team of individuals. If needed, we’ll go ahead and enlist. We’ll do it and get it. I’m going to be involved. I want to make sure your results are fantastic.

(888) 543-3980. We’re helping people get pre-approved for purchases. We have some refinancing, closing, and debt consolidations, and then we’re eliminating debt much sooner than anyone had ever thought. Thanks for joining us. I’m excited. I hope you are as well. Until next time. What kind of loan do you have?

Important Links

• Radio@United4Loans.com
• United4Loans.com
• FamilySecurityLawGroup.com
• Report@United4Loans.com