SVB Bank Fallout And Rates

• March 17, 2023
• realestatelife
• Podcast

If you think it’s fine to follow the bank’s plan in paying your debts, then you better pause for a moment and see what Michael Harris can offer you in this insightful episode. Michael shares his wisdom to help you with your finances and create wealth with the fastest and easiest way to pay off debts. His Perfect Financial GPS Program allows him to pay off his debt quickly without changing his lifestyle, and that’s what we should aim to do. With the more debt you have, Michael can show you how much more money you could save! So, tune in to this episode with Michael Harris because he will guide you into creating wealth.

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Listen to the podcast here

SVB Bank Fallout And Rates

I’m here each and every week talking to you about your real estate life. If you found us now, where have you been? We’ve been saving people money. If you’re telling me the interest rates have gone up, how are you saving money? It’s putting that debt together correctly but also adding an extra component, which is a perfect financial GPS program. I can show you how to eliminate your obligations and debt a third or half the time.

I’m a licensed mortgage banker. That’s what I’ve been doing for many years. I’m President and CEO of United Mortgage Corporation of America. I’m Mike Harris. I have been doing this for many years. What we’ve done in this market environment where people say, I got a 2%, 3%, 4%, and even have a 5% interest rate. I’m not touching it.” I’m not asking you to touch it, but I’m asking you to get rid of it and pay it off a lot sooner.

Have you looked at that mortgage statement, the one that you open up, look online, or don’t look at it at all? Maybe you should. How much of that monthly payment went towards interest and how much went towards the principal? For years, I had individuals who would tell me, “If I refinance, I’m starting over.” I have the notion to tell people you’re not starting over if you pay exactly what you’ve been paying. That’s going to eliminate interest sooner because you’re moving faster with a lower interest rate but paying the same payment, which means more money is going toward the principal.

It’s easy for an individual to pick up a payment and pay the lowest amount that is due and not continue with the higher amount that they were paying before. They’ve moved their lifestyle to lesser payment. Sometimes, it’s about affordability. If you couldn’t afford that other payment, lifestyles, things have changed or become less efficient to pay, saving money helped and people pushed it out.

There are talks about people who are in trouble under FHA. FHA is approving a 40-year amortization for those individuals to move their loan to that. That sounds awfully sweet and great. You make a lower payment, but how much more interest are you paying? If you look at your amortization schedule, you’ll notice you’re not even at the halfway point. You’re not there until about 21.4 years in. At 21 years, I’m halfway through. With that remaining nine years, you’re going to pay a lot more principal than interest.

If you were moving every 3, 5, or 7 years and you stayed on the bank’s plan, you’re paying a lot of interest upfront, and you may say, “I’m at 2.75%.” If you look at what you paid, you paid closer to 70% interest. When you look at that division right now, you’re seeing how much interest you’re paying. If you go the length of your loan over 30 years, you’re paying 50-some-odd percent interest. You have to watch that.

It’s the same principle. If you’re looking at your credit card, a credit card could have a simple interest where you’re not paying amortized interest. Let me give you an example. You have an offer that comes to you in the mail. It says that you can have 0% interest for eighteen months, but you have to pay a 3.99% or 4.99% cash advance fee or charge fee. This is great. This is a lot better than the 30% we’re paying on the other credit card. Let’s go ahead and move the balance over to this one at 4.99%.

You then move it over. Your idea is, “It’s going to go way high if I don’t get this thing handled in eighteen months. How am I going to do this? I’m twelve months in. I have to figure this out. I don’t want to be in thagoing to work for you t spot.” You come to the darnedest and you figure it out. You get it paid off in eight months, but the problem is it was an eighteen-month cash advance to save you at that rate. When you start paying it early, that 4.99% halfway through is double that. If you paid it off in a quarter of the time, it’s even worse. If you didn’t pay it off at all, all of a sudden, the whole balance and all the money owed comes back at you.

A Perfect Financial GPS Program: Use The Principles Of Money

You have to understand the rules of money, engagement, and use of that. There are eight principles of money. I’d love to share those with you. You don’t have to be an expert. I’m not giving you a degree in finance, but I want to help you with a perfect financial GPS that will stand on your side of the wall. It’s going to work for you day in and day out and be effectively guiding you through the process. When you make a wrong turn and you’re using your GPS, it recalculates and gets you back to your path the swiftest and fastest way possible. That’s what I’d like to do with your finances and show you how. Email me at Radio@United4Loans.com or call me at (888) 543-3980.

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I have a challenge for you. It’s been a busy weekend already for me but I like to be busy. I’m busy helping people save money. Email me right now at Radio@United4Loans.com. Before you do so, I’m looking for two things. It’s your willingness to save money. Do that and have an evaluation at no cost to you, but you’re sending me an email with your name and phone number.

What I’m going to do is send you a few links to look at. I want to get your opinion. In that opinion, I want to run your numbers. When I do that, you’re going to see that I’m able to reduce your debt and obligations a third or half the time without changing your lifestyle. I’m only looking for $100 as a discretionary income at the end of every month. That’s all we are looking for, cashflowing. Let me show you how.

I have room for twenty additional appointments. I’m not going to turn anyone away, but I do want to make sure I’m giving you priority to time. We’ve had a busy week of individuals who have taken advantage of move forward and utilizing this opportunity of many great results. Those people are also referring. I’m still in a spot where I’d like to be involved with each and every step. I’m not looking to hand you off to anyone else. I want to make sure I am there for you to save money.

As you get started with the opportunity, you’re going to eventually teach me a few things because you’re going to be using it yourself. It’s a perfect financial GPS program that I also utilize for my own family and finances. I’ve seen the results of my new home purchase, and many of you who read the blog know I bought it on Thanksgiving several years ago.

That mortgage is going to be paid off in full under ten years. I’m not changing my lifestyle. I’m not doing anything different. I’m using eight different principles, and I can show you how that works for you. You don’t have to get a degree in finance. It’s like when you were younger, you were always working the math, and you wondered, “Why do I have to do this if I can use the calculator?” I’m letting you cheat. I’m letting you use the calculator. It’s going to allow you to get this done.

When you have a GPS giving you perfect directions when you’re trying to find it to get somewhere, when is the last time you pulled out a long map? You try to figure out how to fold it back and stick it in your glove compartment. Many of you have those relics still there. They might be worth something, but I’m looking at a perfect financial GPS for your finances. What I like about this is it’s a system, a product, and a service that is smarter than me when it comes to money. When I have another idea, it will show me numerically how my solution may cost me longer to pay off my debt.

I can understand that, but the thing I like most doesn’t talk back. It tells me facts and gives me information. It becomes a real game. You have to figure out how you can shave off and even pay it off sooner. You want to see the results go from 9-8 to 9-7 to 9-6 and go lower. Time does that. Nonetheless, it even takes some chunks out as you handle certain items and certain things.

Life does throw you unexpected curves. What this opportunity also allows you to do is program. It’s like, “I’m going to buy a car in two years. I want to put this in. It’s going to be a $45,000 car. I plan on financing it over 72 months. The monthly payment is such and such.” It will show you. It may only add a year and three months or a year 1.3 to your payoff and not the 72 months that was programmed in because the system is going to pay that off much sooner based on the debt and the way it’s handling your items.

It goes ahead and computes that quickly. The what-if scenarios, vacations, and unexpected items. Maybe you have a windfall of some money that comes in. You want to set up that reserve and savings account. It’ll always protect your assets. You can program that as such. It’s not difficult at all to achieve. You could run reports, annual items, and budgeting. You can take care of this. You can strategize. You can take care of it for business purposes. You can show different items and ignore certain accounts. There are many things that you can do and you can not have to deal with 400-page spreadsheet formulas you put together in Excel.

If you have 10 to 15 minutes a month, this opportunity is going to save you thousands. In my case, it’s about $207,000 of interest. If I had my druthers and let’s say this program didn’t exist and I put my mind to it, I could save about $160,000 to $170,000 using certain easier principles that I understand and utilize and can do without having to go nuts with thousands of algorithms and computations. It’s not worth me leaving $30,000 to $40,000 on the table plus it’s a lot simpler to have me open up the window. It tells me what’s going on daily and I’m following the actions.

It’s not spending my money or moving my money, but it’s telling me what to do, how much to do, when to do it, and what to do in transferring and learning certain principles. I don’t want your money sitting idly in an account earning 0.1%. Why not be idled and sitting at 3.4%? You could always transfer it anytime you want by going online or on your phone. Why not earn some money? Even if it’s $100, that’s an extra $100 dollars.

I want to show you how you can put yourself on a good and better foundation for your financial success. I want to show you the principles that will allow you to do so without you having to do them all yourself. Let me show you. Email me at Radio@United4Loans.com. I’d like to send you a couple of links to look at you. Let me know what you feel.

In that email, you’re going to have the ability to schedule an appointment with me. On the very bottom, you’ll see A Head For Money with a green logo there. You can have a calendar or a schedule there where you can Calendly an appointment with me. I’d like to do that with you and set a time to make sure I give you my time that will allow you to save your savings. It is what I’m all about.

If you’re able to save money, put yourself in a better position financially, whether you’re looking to buy your first home, maybe buy a rental property depending upon where your priority is, eliminate debt, create wealth, where you are, and in what stage. We can have that conversation. There are different points of entry to where you want to achieve success, whether you’re getting started or you’re trying not to wrap things up, but you’re trying to get a little bit more simple to what things are going on. We can tailor that accordingly and understand how the program and the opportunity are going to allow you to achieve that success.

I have a limited amount of appointments. I have appointments going into early next, but I want to get you on the schedule. Let’s get a time. Let me first get you out of this email. Your first order is to go ahead and send me a request to allow me to get you the information. You can even request that at the number (888) 543-3980. You can send it there and request it. I’ll get a text on that or you can go to Radio@United4Loans.com. It’s a popular item. Many people are getting an effective interest rate below 2%. In some cases, in the 1%s or even lower, depending on where they start.

The more debt you have, the more money I’ll show you I can save. If you have any discretionary money at all, it’s going to save you money. If you have credit card debt, any debt at all, or any monthly obligations, this is also allocating for anything else. Your gas, water, and all the items that you have go into the equation and formal household budget. Anything going in and going out, everything is on the table. Your life insurance, disability insurance, property and casualty, earthquake if you have, and flood if you need.

All these items will go into your budgeting. We’ll go ahead and get everything in, junk in and junk out. We want everything proper. The proper items come out in the right result. There is a guarantee to the program. If you follow the program, the program is going to do what it says it’s going to do. If you don’t follow the program, it’s not going to work. We’ll show you that. We’ll answer all your questions.

I’ve been having a lot of fun looking at the results. When I do a home loan, the results are getting the home and mortgage. For many years, that’s been a terrific opportunity to help people get into their home or their dreams. The goal is to have them stay in their home, retaining that home, being happy to be in the home, and not having to be locked in the home with both behind them. I want to show them how, once I get them into one of the largest debts they have, to responsibly handle that debt, eliminate that debt as soon as possible, and allow them to create wealth. Give us a call at (888) 543-3980.

I mentioned last time that we’re at the highest credit card balances we’ve seen. We’re looking at our personal savings rate. It’s one of the lowest we’ve seen. We’ve turned that back around in January 2020. We were at a huge savings rate. People were looking to pay down credit cards, and we went down a lot. What happened was when we looked at the stimulus that came in January and again in April, which range of 2021, people didn’t save those funds. They bought more goods. Once they do that, there’s no more money. We’ll put it on credit cards. From about mid-’21 to going in ‘23, we’ve seen the credit card rate go up exponentially.

We have credit card balances, the highest we’ve seen, and we have interest rates that have been moving up on the consumer side. As we are looking at these interest rates and as I’m sitting down with couples, we’re trying to handle and eliminate these debts and interest in credit cards, I’m thinking, “It’s 23.99%.” No, 29%. I’ve seen credit card rates over 30%. It’s starting to get astronomical. Those aren’t going to move anytime swiftly without additional attention and understanding in a way to do so.

Let me help you save money. If it’s not for the mortgage directly, let me help you set the household and the family system up well using this perfect financial GPS. Hand the phone to the person next to you. Go ahead. You could text at (888) 543-3980 or you can go ahead and email Radio@United4Loans.com. I’m looking for your name and phone number. If you text, I have your number and I’m looking for your email. I want to make sure I get you the information. That’s all it is. We don’t sell your information to anyone. It stops right with me. That’s all this is going to do.

Go To Your Opt-Out

It will not be sold or go anywhere else. You’re not going to get calls from anyone. If you look at my signature on my emails, I implicitly advise you that you must go to your opt-out. You guys need to start opting out so you’re not getting all these solicitations when you get a credit run. When you get your credit report run, within 24 hours, you might get 30 other inquiries. You have to make sure that you’re on top of that and nobody is soliciting you. If you want more information about that and getting opted out of that screen, you can also reach out to me. It’s important because I don’t want you spending all this time answering the phone for people soliciting you.

I was talking to someone. She’s also a mortgage lender. She’s doing her own loan. She had her credit run. She started getting phone calls from many individuals. They were all saying, “Your lender told us to call you. They couldn’t get your loan done. They told us to call you to handle your loan.” She’s doing her own loan. She didn’t opt out and she’s getting calls on calls. I want to make sure your time is protected, you’re getting the right information at the right time, and your questions are all being asked, but you shouldn’t be going through a difficult process.

I can evaluate your current information and the quote that you’re getting. I can make sure that it’s the proper based on the current market. I can make sure you save money, the proper setup, and ideas. We had a buyer who was able to get a $10,000 credit from the seller. We were able to have all of his costs covered. We did a loan at no point. In doing so, we’re in a position to save money as rates will come down. We’re going to be able to lower his rate again but we didn’t throw money out the window. We were able to gain results by how the offer was written.

The seller needed to stay in the property for another 60 days after closing. By way of setting up this offer creatively, they were able to do a seller rent back for $1. Everyone else was looking at these larger monthly totals at their principal and interest to cover. Setting it up that way made it easier for the seller to go, “It’s not going to cost us anything to rent back.” With their sales price, they’re getting a deduction for the credit. The buyer was gaining the funds to utilize now rather than waiting for rent that he had to hope for, and he had the money already.

It was a better way of setup that was done effectively by a qualified realtor and a lender that was working in conjunction with the consumer’s best result. That’s what I want to bring to the table. That’s what a professional and a realtor in your market will do for you. You want to work with someone who has experience in understanding a difficult and changing market.

We don’t list or sell. We work with professionals and others. We are a lender. We’re licensed in California, Colorado, Montana, Texas, and the State of Washington. I can help with DSCR loans or Debt Service Coverage Ratio loans in 30 other states. We could do commercial financing and farm financing in some markets right now. We’re also doing construction lending with some builders who are building homes in various markets and states.

We are here to make a difference. We want to make sure we are there for the first-time home buyer looking for grants and various programs for 0% down. We’re working with our veterans at 0% down and our FHA clients with 3.5% down and, in some cases, various bonds and items to go behind to also get those loans done with no money down. For USDA loans, we’re helping there. We have ITIN loans or Tax Payer Identification loans. These loans are for individuals who do not have a social security card and have an I-tent and E-tent. Those items will allow them for two years of filing to buy a property as little as 11% down. We can get that done for you.

We want a higher credit score. We want good makeup and good information. We can go over that with you. We can get you into a property, but I want to make sure it’s affordable for you. I have an individual who needed a bank statement second mortgage because they couldn’t qualify on paper when it came to tax returns. The interest rate is double-digit, but it’s better than the 30% alternative on the credit card. I want to make a difference and help you, but I want to make sure it’s an affordable option. Be careful what you wish for. I might get it for you. I’m going to be transparent about what we can do and how it gets done.

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Pick up the phone and give us a call at (888) 543-3980. Go to YourRealEstateLife.com or United4Loans.com to get started. You can get pre-approved. Talk about getting your documentation, the tax returns, the bank statements, the pay stubs, your homeowner’s insurance declaration page, your identification, and all the items needed.

We start with a conversation to understand the makeup and what we need to gather because I don’t want to necessarily send and figure. People ask all the time, “How long does it take to get pre-approved?” It could take one day, but it’s as good as the documentation you’re giving me because if I keep on having self-discovery, that update keeps on happening and changing. It’s how quickly I’m able to gather the items and get the full picture in to evaluate.

We had an individual who didn’t provide his documentation in a timely fashion and we found out a lot of things at the last minute that created some hiccups. I don’t issue a pre-approval for a purchase of property unless I can get a loan approval, but be careful. I want to make sure it’s the right loan approval for the right product based on the information that’s coming over.

I don’t like surprises and neither should you. The more information we have, the more accurate we’re going to be. It’s like I told you on the personal GPS program for your finances. If everything goes in, the right items come out. If you put the wrong items in, you’re going to get the wrong results and they’re going to be misleading.

I want to make sure your pre-approval is accurate. We’ll have a conversation and understand whether you’re self-employed, salaried, or doing real estate. It is what it is, and if you have bonuses, over time, and all the different things. If you work 2, 3, or 6 jobs, what is it? Are you self-employed? If you are an independent contractor with six different places and money is coming in, we have to document and understand the setup. Are you in the entertainment industry? Are you a contractor?

For all these items, we want to make sure we have the right setup. We have self-employed using bank statements for several months. The investors are using cashflow through real estate. All these items can be set up and done, but we want to do it properly. We want to be careful, look at bank statements, and make sure we have no NSF charges. We want to make sure we have a minimal amount of NSF charges because you’re handling your finances correctly.

I talked about getting a credit run. I’m careful about that, but I want you to use OptOutPreScreen.com. You can call them at (888) 567-8688. That’s (888) 5-OPTOUT. What that does is within 4 to 5 business days, it’s going to allow that to be blocked. If you have a credit report run for the purpose of financing, it’s going to activate the ability to have that information from the credit reporting side. So-and-so ran a report. Everyone is going to know about it, and who wants to know? All of a sudden, you get 30, 40, 50 phone calls coming your way going, “I’m so-and-so. I heard you’re looking for whatever it is.” You don’t need that.

It’s happened to people prior to utilizing this that I put on my signature. They’re getting all these phone calls. It’s horrendous. As the mortgage industry and the credit industry have less volume, they’re looking for that volume elsewhere. Everyone is looking at that one person as their person. Some of them are doing scrupulous things and things they shouldn’t be doing. Go to OptOutPreScreen.com and (888) 5-OPTOUT. That is on my signature. Email me at Radio@United4Loans.com. I can include that back with you.

It will give my Calendly set up so you can get an appointment with me. I’d like to show you how I can eliminate a half or a third of your term on your debt and have you debt-free. It will also show you where you can get information about getting pre-approved. At the bottom, you’ll have more information about the special segment that was run on the program. I want to send you some links so we can get you and your information run.

We’re helping people with purchases and refinances going forward and reverse mortgages. We have our senior community now 55 and over. We’re able to help with a reverse mortgage based on equity position. We could run those numbers. All I need for that is your date of birth, the property address, and how much is owed on the property. We can also do a reverse purchase.

Some of you are protecting a low mortgage. There is now a reverse second mortgage. I could talk to you more about that at (888) 543-3980. Whether you’re working with simple numbers or more complicated or higher numbers, whether it’s 2 plus 2 or $50 million plus $50 million, we can work with high numbers, more complicated tax returns, and individuals who own more property. We’re able to save debt and structure even on more complicated ownership. Nothing is more endearing to me than helping people with debt. Whether you’re making large amounts of money, debt is still an issue on the table.

I want to make sure I’m there for you. This program is not only for those who are having trouble. It’s for those who are doing well and want to do better. We will do one-day approvals. I get the documentation, it’ll be reviewed, it’ll get underwritten, and we’ll be ready to go. It’s all about getting the right documentation. You can upload it securely right through our website. You can email it or fax it. You can do anything you want to do to get it my way or I can meet with you if available. We can do that.

I want to make sure we get it. It could be uploaded to the cloud or whatever the case may be. Whether it’s residential or commercial, I want to help. For the residential side, it’s one-day approval and documentation. In commercial, we will move as fast as possible. We have cross-collateralization loans now we’re doing for investors. I had an investor who owned a property, free and clear, and had another property with some equity. He was looking to buy another property. He was able to go up to 90% on that new one. He had some reserves on his other property. One of the requirements was six months of reserves per property. We did 100% financing.

The cross-collateralization loan rate was seven and a quarter. Not a bad rate at all. That can go for investment or primary. It’s a great way not to have to tap equity out of the other home by pulling an equity line or trying to find that lender. Some of them aren’t even doing the lines of credit anymore. The ones that are now charging and they’re lowering the equity position available in order to obtain the financing.

We want to make sure that you have the right roadmap. We want to make sure we’re that for your lending and that we have the perfect financial GPS program for your finances overall. That’s going to help eliminate debt sooner. I’ve shared with you I have over 26 years on my mortgage because I bought my home several years ago, Thanksgiving, and I’m taking it down under 10 years. All my stuff is down under ten years. I’ve lived my life. I got gas, water, power, and all that fun stuff I pay, but all the other debts and obligations will be gone. Let me show you how I am doing it and how you can do that. Call (888) 543-3980 and email Radio@United4Loans.com.

I was asked about the conforming loan limits and different markets in different states. We’ll stick to California for a moment, but when I’m looking at various markets in Los Angeles County, there’s a high balance limit of $1,089,300 for a single-family unit. Two units go up to $1,394,775, three units are $1,685,850, and four units are over $2,095,200. That’s the same in Orange County, but Riverside in San Bernardino doesn’t have a jumbo limit. It’s the conforming limit of $726,200. In San Diego, it goes down to $977,500 instead of the $1,089,300. Santa Barbara is $805,000, and we have other items like Ventura, which is $948,750. There are many levels to lend and I can share that with you depending on the market you’re in.

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We’ve had a busy program. A lot of people are taking advantage of appointments and getting those times on the calendar. Hopefully, there’s an opening. If not, you call me. We’ll figure it out. We’ll get me, myself and I together. We’ll split us up in three and figure this out. I’m kidding, but sometimes I feel that way. It’s all about your results and that’s what I’d like to do.

There is no time like the present to get on the calendar. First, I want to get you the information. You can set the appointment in anticipation. That’s great, but I’d like to get you an email. You have a couple of two-minute items to review and one item to additionally review on video and PowerPoint. This way, you can understand it fully. I’m looking to gain your numbers with a call. I want to share a screen and time with you. I want to go over that and make sure that you are saving money. I know you are, but I want to show you.

I mentioned it in the last segment and someone asked about it. Again, I want to make sure I repeat it. Make sure you opt-out. If you get your credit report run for any purpose, you’re going to be looking at a lot of people calling you up and saying, “Hi.” No, OptOutPreScreen.com. That’s (888) 567-8688 or (888 5-OPTOUT. I want to make sure that you have that done. Don’t have your credit report profile sold. I want to make sure you’re not being solicited by 50 other people in the next day or so. It’s a nightmare. Your phone keeps ringing. You can’t get your job done. The efficiency is crazy. You don’t want that. If you don’t want to test the waters, don’t do it.

I want to help you save money, get you the right loan for your unique situation, protect you and your time, and do what you do best and not be bothered. Give us a call. We don’t sell your information to anyone. It stops with me. I’m President and CEO of United Mortgage Corporation of America, United4Loans.com.

I want to make sure you have an efficient journey on your home purchase. We don’t list or sell. We finance. On that journey, we’re making sure you have the right product and the right money being spent. We help eliminate it as efficiently as possible. Call (888) 543-3980. We’ve been helping some commercial individuals with public and private placement. Those of you who’ve had your ears perked up on that large transaction when it comes to public and private placement loans, sometimes they’re delayed for years.

We have some individuals who work with the billions and can handle millions and handle those items. We can get those done for you and save you a lot of headaches and time in handling those efficiently. I have a network of referrals and information on that and some good results. If you’re looking for large items in the oil and gas areas, I have resources there.

With farm lending and various items of commercial, we can help there. We do the mixed-use in some of the apartment lending. I want to hear what you have. Give us a call at (888) 543-3980. We talked about cross-collateralization. I talked about traditional primary financing, whether it’s FHA, VA, USDA, or whether we’re looking with a bond product to go getting up to 100% financing for some or we’re doing the traditional down payment, but it doesn’t take 20% down to buy a home.

We’ll look at the program and setup of the program to determine whether we have seller participation or not. We’ll look at points and fees, whether it makes sense to pay those or not or to wait and see where the market goes so you can get a better rate later. It’s all about you, your timing, and where you are with your family and real estate life.

This is not a loan if someone else is making the payment. You’re making the payment. I want to make sure it’s affordable and comfortable for you. Just because I can get the job done doesn’t mean it’s right. I’m going to tell you, yes, I can do this, but I will let you know where the payments are. You also check with your tax advisor. You want to make sure of your deductibility and how much you additionally will save perhaps with the interest and write-offs, and what that difference does. Maybe you take more home from your paycheck. You adjust your adjustments on your work and take home more of that paycheck because now you have more deductions. You want to check with your tax advisor regarding that.

There are many professionals on your team. I want to make you aware of what you need to find out. Your insurance agent is important. Where you’re looking to purchase, you need to make sure that there are not any issues regarding homeowner’s insurance, whether it’s hillside, fire area safety, or flood. You need to make sure what the cost of financing is. If you’re looking to buy in a homeowner’s association, what’s the health of the homeowner’s association? Do they have reserves? What’s going on? Look at some of the minutes and items of their meetings and get that from the listing side so you understand what it is you’re buying into. You want to understand that.

Is there going to be any major improvements that need to be done? Are there going to be assessments? Are there more renters than homeowners? What’s going on? What is the makeup of where you’re looking? These are things that qualified realtors are going to do for you. They’re going to be able to represent you and find these items out without you having to do all the homework and paperwork yourself.

You will save money utilizing a professional. That professional has a designation for a reason. They’re going to know the market and area. Sometimes, it’s not using a friend who lives hundreds of miles away or in another state. They may not know what is going on. They may have a connection to another person in order to get the information, but it’s not the direct line. Sometimes, that direct line will save you so much in money, cost, time, and aggravation.

That is what I want to bring to you. I want to try to quarterback the item and see when I need to hand it to the running back or send it to the wide receiver in order to take the play to the finish. I want to get over that gold line with you and make sure we do that effectively. I love this time of year. We have baseball season starting in a couple of weeks. Every team is in first place. You can’t say that for too long. Every team is in first place, but only one team will finish on top. Who’s that team? Who made the right changes? Who’s going to tweak and make the correct changes during the season? Whose players are now hurt that may come back? Who’s planning appropriately?

We got the NFL Draft. You had some trades that occurred on that with the first pick being traded. Five players went for the first pick. They traded from 1 to 9. They got a first, a second, and a wide receiver. All these things are going on. Teams are trying to make up their team and get it to the right spot. It takes time. How much time do you have with your finances? You can’t afford to be sitting back and hoping everything is okay. I made a great decision five years ago. If your team didn’t do anything for five years, they wouldn’t necessarily be finishing on top. They’d be mediocre at best.

I don’t want you to be mediocre at best. I want to see you finish on top. I want to get your debt paid off and give you the ability to have wealth creation, a perfect financial GPS, and qualify for the home that you want to buy or add to your portfolio. I want to be a part of that and guide you through and give you the right information and education so you can make a decision that’s right for you and your family. I don’t want to be dictated to. I want information.

Thank you, as always, for joining us. You can go to our websites at YourRealEstateLife.com and United4Loans.com, and you can get started now. Email us at Radio@United4Loans.com to gain valuable information that you can review so you can eliminate your debt in a third or half the time. The email or the call to (888) 543-3980 is going to cost you thousands of dollars if you don’t make the call or send the email. It’s going to cost you nothing to send it, but it’s going to cost many things if you don’t.

I want to show you this result. It’s phenomenal. You can be a master of mathematics and say you’re good, but all your spreadsheets are done with algorithms and down to fifteen minutes a month to be a perfect answer to your finances and what you have. As you get through a 30-day cycle, we’ve been able to perfect it because now we go through a cycle of every single item of every single bill of anything was forgotten.

I like to start thinking about the annual items that come up and the twice-a-year items to get those in so I don’t miss them until several months from now. I started there in my mind, but for the monthly ones, I forgot the water and the electric ones. All of a sudden, in that one-month cycle, everything is in and there. Until then, we have an uncategorized amount that we set aside and we have that at zero to allocate for each and every single item as it would occur during a billing cycle.

Many people have already tried to refer once they get started, and I’m not churning that away. I’m working to help them, their friends, family, and coworkers, but I tell them I want them to understand, go through a one-month cycle, and be comfortable. This way, you can say what you are doing. You have an understanding, but I want you to have a full understanding. That is what I do. I’m in no rush, but I am in a rush to save you money. I’m going to rush to save others money and the ones you care about, but we want to do it at the right time. You want to make sure that I’m not putting a burden on you. It’s the last thing I want to do.

I’m trying to make a wave of individuals who will eliminate debt and interest. The company has eliminated tons. We’ve eliminated $2.4 billion in interest payments and over $8.4 billion in management. The amount of funds has been incredible, and it’s going up every single day. I had a shirt that said $2.3 billion. Now, it’s $2.4 Billion. They should have put $2.3 billion and put a plus sign after it. It would’ve been more useful.

It’s an incredible opportunity to save money and learn something that you were not taught before. Nobody wants you and shows you how to be the bank. The bank works with your float each and every month. Your credit card and mortgage float. All these floats together add up to a lot of money. Your simple idled funds at 0.1% could be sitting at 3.4% idled with no risk. I can show you how.

The other items are about paying off debt, borrowing money at 0%, and using that money rather than giving it back. Those of you who are bragging, “I got a tax refund.” Congratulations, you lent the money back to the government for a year at zero interest. That’s not necessarily what’s advised. That money was better off in your pocket being utilized for your obligations and reducing your obligations by multiple folds. You are not getting back anything, but you would’ve got back so much more of that money that was being used during the year.

I want to show you how to effectively do that. It sounds like a lot. It is a lot. The results are a lot, but it doesn’t take a lot to get it achieved. It allows you to gain the best results with the perfect financial GPS if you have an open mind to understand. All, at this point, I’m asking is an email to go to you so you can see what I’m talking about. Email me at Radio@United4Loans.com. I put a challenge out earlier. In the first twenty, I can get on the calendar easily. After that, I’m going to have to juggle a little bit and figure it out, but I want to try to get the results to you as soon as possible.

As we get started, I may have you guys also gather and put together a spreadsheet of your items so we can achieve that and get a little bit of halfway up on the next meeting. We can be efficient for you on your savings. I want to make sure we get this done. I don’t want to leave anyone behind. I’m excited. I’m seeing these results. People of all ages are saving money. They’re saying, “Where has this been?” I want to show you.

I have been on the radio for many years. It is an exciting time. Different opportunities give me different times to do certain things. This was one because I was getting a lot of individuals saying, “Why would I refinance if I’m sitting at 3%?” I agree if there was not a need. Some people are looking for equity lines. Equity lines can additionally save you another year to year and a half of your payoff. You’re going, “What? Equity lines are prime. Is it 7.75%, soon to be 8%, 8.25%, or 8.5%? It’s prime plus two. It’s going to be 10%.” That’s simple interest versus amortized interest. I would like to show you the difference, how that can effectively be used for you, and how the program and opportunity are going to take care of that. I would also like to show you how to manage that effectively and save you even more money.

I’m standing by after the program to take your phone call. You can email me at Radio@United4Loans.com. Throw your name and phone number. I’m going to send you an email. I’m going to send it out personally myself. I’m making that commitment. If you want to test me, text me back or email me back and see if it’s not AI. It’s me.

I’m going to be there for you. If you need to talk with me on the phone, I’ll talk with you. I’m anxious to get an appointment and run your numbers. I’m anxious to help you with your offer and send out a pre-approval on the purchase of a property that you’re looking to buy or refinance. Maybe add an ADU or consolidate debt on your way to help eliminate debt a half or a third of the time quicker. Hopefully, you enjoy this program. I got a lot of solace in it. Hopefully, you take action. Taking action is the key to saving money. Until the next episode, what kind of loan do you have?

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