Time To Erase Debt – Cancel Interest Volume

• September 12, 2023
• realestatelife
• Podcast

In this episode, Michael Harris explains how to turn up the frequency by turning down your interest volume. He discusses its difference from interest rates, how to understand your credit to get a higher score, and the right way to eliminate loans up to 30 years much faster without changing your lifestyle. Michael also talks about erasing debt, reducing obligations rapidly, and using that extra money for better purposes.

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Listen to the podcast here

Time To Erase Debt – Cancel Interest Volume

I always want to know what kind of loan you have. It’s coming down to your finances. It’s looking at your finances and making sure they’re working right for you. It’s time to turn up the frequency by turning down your interest volume. It is different from the interest rate. Interest rate is the rate that you signed on for your mortgage, car or maybe even your credit cards, but interest rates are not alike. They have different numbers, but it’s also the frequency and how they’re getting paid. Are they loaded more toward the front like an amortized loan or is it simple interest, more like your home equity line of credit? That makes a difference. The way you work with numbers and money can make a big difference in your real estate life.

I’m here to talk to you about financing a home, condominium, townhome or commercial property. Whether you’re going forward or in reverse, I’m here to help you obtain the best decision for you and your family. That’s about education and information. It’s gathering enough facts so you can make that decision. It’s not making a decision and then saying, “Should I have done this? That might be too late.” We will look at the preparation of the process, understanding your credit and what needs to be done to obtain a higher credit score to borrow money at a lesser dollar amount.

Interest rates are still higher, but historically, they’re not. If you remember back in the early ‘80s, you had 18% at one point in time. The bottom line is prices are higher and they are maintained. We’re not seeing a large decrease or any decrease in some areas of price because inventory is still low. Demand is there, but we’re looking at the affordability factor, whether it’s 12% or 18%. Whatever the course is, the people don’t believe that they can afford to buy it. Can you afford to rent? Where is it that you’re renting?

You are making a mortgage payment. It’s not your own. It’s your landlords. Your landlord loves you. You don’t need that love in your life. It does not take 20% down to purchase, but a larger down payment is a lower loan obligation. A lower loan obligation is a slightly lower mortgage payment. You pay now or you pay over time. If you are paying over time, or even if you put down a larger down payment, I like to show you how you can retire that early interest much sooner. We’re looking at our past, current, and perhaps future or other people’s clients who have done a mortgage alone. We’re showing how we can eliminate that 30, 20 and 15-year loan in 1/3 or 1/2 the time.

It’s as little as 1/3 or 1/2 the time without changing your lifestyle. No pork and beans. No starving yourself. No love living by candles. We’re looking to utilize monies monthly discretionary, lower your obligations and attack early interest with a perfect financial GPS like the one in your car or on your phone. When you put in your destination, it tells you the best way to get there, even takes into account traffic and makes sure you make the right turns at the right time and get there the fastest possible way.

We are looking to show you how you can do that with your finances. A perfect Financial GPS is an example. My 26.4 years have gone down to 7.9. Some of you were saying, “I could do this myself. I could probably pay for this. Do this and that.” Why haven’t you? Looking at it myself, I was looking at about 12.3 years.

That difference of 12.3 to 7.9 is larger than over 4 years. If you took your monthly expenses, the ones that you contracted to, gas, electricity and all that’s going to stay, but if you take the other items and you times it by 12, then 4, that’s a lot of money. I want to put that money back in your pocket. I want to help you look to finance the poem that you want to be in with the best possible opportunity, and then I would like to show you how we can eliminate that together much sooner. We have a Tuesday night webinar. Email me at Webinar@AHeadForMoney.com.

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My goal is to give you a path to homeownership as United Mortgage Corporation of America was approved to do loans in 5 states, but in 30-plus other states, we have the ability to close a DSCR loan. What’s a DSCR loan? It is Debt Service Coverage Ratio loan for investors where first-time home buyers can have seasoned investors. In 35 States, I’m able to close those loans. If you’re looking to be an investor and you’re buying in another state, give me a call at (888)543-3980. For conventional loans, Fannie Mae, Freddie Mac, government loans, VA, FHA, USDA and all those others, I’m approved in California, Colorado, Montana, Texas and the State of Washington.

For other states, I can refer you to other professionals as I have those referrals to give. That’s what I try to do. I want to make sure you have the right information with the right advice with the right professional. We don’t list. We don’t sell. We refer realtor professionals in various areas and territories. We want to make sure you have the right resources like we have state planning attorneys and other guests. We want to make sure you have the right representation for your unique needs.

Oil Prices And Real Estate Notes

In the headlines, we’re watching a lot of stuff going on about oil gushing higher. The price of oil has been on the rise, hitting a ten-month high due to low supply levels and production cuts by Saudi Arabia and Russia. The rise has also led to a spike in both jet fuel and diesel. The latter is a concern because, as we’ve learned, high diesel prices elevated food inflation everywhere within the food supply chain. I mean that diesel price makes a difference. Factories, shipping, all those items and food costs go higher. Is that going to cause a reverse of the inflationary news that’s been going down but not down fast enough?

We saw the ten-year treasury that was touching 405. We almost saw a three-handle again. It went back up to 430, finishing at 4.258. It’s a little off the highs, but it’s going to be very key if we can see and test that three-level or break into that lower four and stay there. It’s going to be very important. We have the fed and the quiet time coming. A lot of fed officials were speaking. Some are hedging the fact that maybe they’ll pause, but maybe then they’ll look at November’s 50% chance again going higher on the FED funds rate. Some say, “Maybe not. They’ll look at the economic news as it comes in.”

A lot’s going to be pegged with oil because we’re looking at some different news and items coming out on the economic front. We have $44 billion of 3-year notes, $35 billion of 10-year notes and $20 billion 30-year notes. Why is that important? The demand to purchase these notes usually will come from overseas. What we’re seeing is the strength of the dollar is not then allowing these treasuries to be purchased in high demand due to the fact that some may even want to sell their treasuries in order to obtain money to help their currency improve against the dollar. Lower demand, higher yields and mortgage rates have pressure to go higher.

It’s not that it will happen, but that is what we are watching. Oil and treasuries, demand and the strength of the dollar are on top of our economic news. On the economic front, we do have the Consumer Price Index. We have Core CPI year over year and year over year core. We have initial jobless claims producer price index core PPI. PPI year over year, US retail sales, retail sales minus autos, then we have business inventories. On Friday, we have US import prices, Empire State manufacturing survey, industrial production capacity utilization and consumer sentiment. We have a pact week, but I’m looking at the information, the treasury, the notes, and how they’re being sold.

I’m going to see how that translates into looking at right now that 30-year fix where we’re closing some with a high 6 handle, but most of them with a 7 handle on a 30-year fixed. Your results will vary depending on your particular information, whether you’re putting a low down payment, a high down payment, or whether you have good credit scores. What’s going on with your debt-to-income ratio? I love to see that under 43 can go up to 50 in some cases. We’re looking at that very key discretionary income. At the end of a month, it’s making sure how you fare so then we can attack that interest rate.

Interest Rate Vs. Interest Volume

Why do I say interest rate is different from interest volume? How many of you have a current mortgage or had a mortgage? Do you look at it online or do you get a statement still in the mail? Either way, take a look at the monthly statement. You tell me at Statement@United4Loans.com what is the percentage of interest to the overall payment. Take out the taxes and insurance if you pay the monthly, which is impounds or have MIP or PMI, but what is that percentage of interest to the mortgage payment? 50%, 60%, 70% or 80% of the overall payment and you’re telling me you’re a 3%?

Imagine if you’re at 7%. That’s almost 80% payment. I’ve seen 84% of the payment going towards interest in the early years. That loan is front-loaded in your up to 5 to 7 or to get to 50% 18 to 22 years in. You’re paying mostly interest. Some of you are saying, “I need the deduction.” Based on your tax bracket, you’re not getting all that money. Wouldn’t you rather have a dollar than have that dollar saying, “I have a 30%-some-odd tax deduction.” You’re still losing $0.60-some-odd. I want to get that money in your pocket and you control what’s going on. We’re going to exact your debt-free date.

I want to show you how effectively you can utilize money to have that money stay with you. You work hard each and every day. It’s my thought that I want to help you keep that money. You may have used a different loan individual in order to close, that’s fine. We have had individuals who closed. They’re making the first payment. The first lesson I taught them, I talked to someone right before the beginning of the month, “I mailed my first payment.” You mailed your first payment.

That was the first mistake. Some of you think mail was the problem. The bottom line is that they paid it on the 28th of the month, which was due the 1st, late the 15th. They floated their money to somebody else for quite a bit of time. There are other ways that we can look to have a perfect Financial GPS that lets you know what you need to do when you do it. You still have to drive the car and make the payments and decisions, but it’s going to guide you in the right place.

Some of you may have a driving car by yourself, but the bottom line is that the navigation device you use tells you what and when to do it, but it’s not driving the car for you. I need you to drive the car, but I need you to have a better and best route available. Call me for no obligation. I’ll send you out information for you to evaluate. You let me know what you think of that information and then we could possibly set up a time to see how it can work for you. No obligation. I want to give you your debt-free date with no obligation to allow you to make a decision. That’s right for you and your family.

You can attend a webinar. Email me at Webinar@AHeadForMoney.com. I’ll get you out and info item back so you can attend and get information. I can send you information ahead of time, some links for you to watch and some information for you to then gather. We can make that decision together. Ultimately, it’s your decision. I’m showing individuals that they can save $50,000, $100,000, and $150,000. This past week, $414,000 of interest because the more debt you have and the more properties you have, the more I can save you. You don’t have to own real estate or have a loan in real estate to benefit.

The student loan is an evil word. It’s already accruing interest people. You have payments starting on October 1st. Some of you are income-driven. Some of you have a higher payment coming and you’re not sure what to do. We can discuss that as well. If you have credit cards, car payments, student loans and not a mortgage, we’ve seen individuals go from 15 years down to 3 years. We’re able to save interest and save plentifully. Let me show you how it works. It’s the power of money.

Look at compounding interest. If someone gives you a penny and you keep doubling it every single day, at the end of a month, you’re going to have huge amounts of money. Go have fun. Work that exercise. If you did it every other, you’re going to have hardly as much. There are many things that numbers can do if they’re understood and used properly. You have to stop fighting the wind and change your Sail. Change the sale move more efficiently.

(888)543-3980. That US dollar and those treasury notes, I’m watching it. We got the Fed meeting. What are they going to do? They’re thinking November is a 50% chance. Possibly, here in September, it’s very small and probably not looking to do something. We would rock the world a little bit too much, so maybe the whole tight. We’re going to watch those treasuries and notes sales. Stay tuned for that.

If you go to our website at YourRealEstateLife.com, it’s up to date. It has information regarding what the mortgage-backed securities are doing while the market is open. It also has a barometer there on the site. It shows you the needle, whether things are hot, cold and what’s going on in the direction of interest rates.

As you’re going through the process or thinking about doing so, we can get the trend, but right now, what’s been popular has been lower down payment, people are keeping their own money and then we’re showing them how to reduce the obligations fast. We’re showing people how to utilize what is a 1-0 buy-down. We have sellers who are able to contribute towards closing costs to allow that rate to be bought down for an additional year.

What is that? It’s a buy-down from the seller and paying prepaid interest early, benefiting you. If interest rates do come down later, we can then move sideways into that buy-down rate basically as market rates will be lower. The goal is to not have you spend your money, but if you could spend it through other people’s money, that works, and then we’re going to attack that interest together. You still owe your principal. We’re not talking about settling for less and all this fun stuff. We’re not damaging your credit. We’re improving your credit because your ratio is going to improve.

We’re utilizing a perfect financial GPS program so you can save, be debt-free much earlier, do what you want to do and provide for your family, whether it’s college, insurance or estate planning, or eliminate debt to create wealth. You’ve been working on the bank’s plan. You’re staying on that amortization, paying it left and right. I want to convert that to retiring the debt and establishing a wealth plan.

We are here to help you get pre-approved for your purchase. There are transactions occurring. It may make sense to look at consolidating debt depending on the interest rates that you have. We’ve had individuals at 3% looking at consolidating much higher credit cards and other debt. The first mortgage rate is higher. We’ll look at that cashflow and monthly payments. With interest volume, if I could take a 7% and convert that interest volume below 3% and get rid of all the double-digit interest rates that you have. Otherwise, it makes sense.

I can also look at your equity position and look at why a home equity line of credit should be explored. Yes, the Prime mid-eights and Prime Plus, I got it. You see a ten-figure. A ten simple interest is a level of interest. Your amortized loan that has a lower digit in the front is higher than 10% because you’re paying interest volume. The loan is skewed to be heavier in the earlier years. Pull out that statement and take a look online. You tell me the percentage of interest that you are paying on your monthly statement and Not the little digit that’s telling you what your rate is.

I’m talking to you about taking your interest, dividing it by the payment. Principal and interest, divide interest into that, and you tell me what percentage that is. Most of you are paying a higher amount of interest than principal. That means you’re paying over 50%. Some of you are saying, “I make up the difference. I make it even or 50%.” What you’re doing is you’re playing a good game and you’re doing well to play the game, but you may not be playing it and understanding the rules the best.

You’re throwing money in, but it may not be working optimally for you. We’re going to look at everything you have, all your monthlies, expenses, the ends and the outs. It’s going to come up and we’re going to talk together and have a perfect financial GPS program. If you want more information, call us at (888)543-3980. Let us know if you’re looking for information regarding the perfect financial GPS program. You want no more.

You can email us at Webinar@AHeadForMoney.com. If you can’t attend a 6:00 PM webinar, I understand. We have lives. We’re busy. I also want to have a one-on-one time with you. You can set an appointment on my Calendly. We can talk further. We can explore that together. There’s no obligation. No decision will be made. I will look to have a one-hour call that hopefully leads to a second appointment. We want you to save money. We want you to have the perfect financial plan.

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Joining The Webinar

Many people are inquiring regarding the webinar. What will you do? You email to at Webinar@AHeadForMoney.com. I will then send you back a link in order to access the webinar. That is a general webinar. You’ll be on there with other individuals. The camera does not need to be on. You don’t need to be talking about anything personal, but you’ll have information. What I’m hoping to do is send you out some items ahead of time, sending you some items that will allow you to get more familiar with them. I’m going to send you a partial presentation. I’ll send you three different links and a demonstration.

With that information, you’ll be armed enough to understand that another meeting is right for you. (888)543-3980. It’s quite easy. If you take that number, you can text me there. I don’t want you to do it while you’re driving. Hand the phone to the person next to you. They’re not doing anything. Let’s go ahead and get your information. I love to know your name. If you’re texting, I have a phone number. I can get that back out to you there. If you want to toss me your email, that’s fine.

I would like to know your name because as you attend, I want to make sure you’re there and your needs are taken care of. I want to make sure you have the proper information. I also want to make sure that we’re progressing forward because my goal is to save you money. There’s no other goal in mind. It’s giving you more information and an education. Some of this program is now read nationally. I’m very proud of that. If you’re looking for times and others, I have appointments both on days of the weekend. One appointment is out of Hawaii. He signed up. We’re helping him. We have others that are out of Texas and Nebraska. I have one in New York.

We have various people who are taking advantage of The perfect financial GPS program to allow them to eliminate interest fast and sooner. We had one person very skeptical. He didn’t want to understand. He wasn’t sure that he wanted to keep his appointment. I did send him out the partial presentation and some information. He reviewed it. He came back saying, “I do see the value in the program.” I’m anxious to talk to you. That is what this can mean for you.

It makes a difference whether you have an engineering background or you are more in the arts. Money and the decisions of money sometimes are easy. Sometimes, it is hard for others. This will take that burden away or assist you with what you like doing best, but it gives you the time back that you don’t have because you’re spending a lot of time on spreadsheet analysis and, “What bills do I pay? Why? When?”

All these items, it’s nice to have someone there who’s going to give you perfect information that doesn’t talk back but suggests what you should do for the best result. It’s very easy to operate, resolve and handle. I want to show you and help you with that. I’m a certified field trainer for the opportunity. I own the opportunity myself. I use it each and every day. It doesn’t take each and every activity to be efficient. When you’re looking to pay bills, you take a look. What to do? What’s going on? You execute and move along the path. Maybe it’s once or twice a month. Maybe you do it every week, but it’s only about 10 to 15 minutes of your time.

It beats those spreadsheets and trying to keep that together if you’re still working with that. It beats the envelope method of trying to stuff money in an envelope and trying to resolve yourself there. It’s like yellow stickies on your behind. I want to give you something and move you up in technology. How many of you are still using roadmaps out of your glove compartment? You open the glove compartment. You pull up the road map as you’re driving, open it up, and cross a whole dash, and you can’t see? You don’t do that.

The bottom line is that’s what you’re doing. You’re opening up and using a road map, maybe an atlas. You’re using, plotting a map and stagnant, As even GPS programs started getting going. You started with MapQuest. It told you how to get from station A to B, but they didn’t tell you where the traffic was. You ran into the traffic and then you had to figure out what to do. You had Garmin come out a little bit better. Big Earth and whatever, then you had it on the phone. You’ve had Waze and other things. You have consumers and participation telling you what traffic is.

You’ve had developments even in that, but you’re going back to the old ways. Some of the old ways are people have pride they never asked for directions at all. They fly by the seat of their pants. I don’t know where I am, especially when you go to some states where you have no mountains and nothing to look at and everything’s all flat. You don’t only know what direction you’re facing. Now you’re looking up at the sun. We’re looking to give you a perfect navigation device for your finances because finances are very volatile.

We have Fed officials who were speaking out. Federal Reserve New York President John Williams was talking about he thinks we’re in a good place as things have been moving and perhaps maybe we don’t have to be raising rates again, but we’re going to watch. We had the Dallas Fed Chief Lori Logan skipping. It’s a good idea to skip this meeting and then look back at November based on data. Atlanta Fed President Raphael Bostic said, “Economy is slowing. We’ve seen inflation come down.” Is it coming down fast enough?

Chicago Fed President Austan Goolsbee talked about keeping the rates at this position. That’s his thought, but the question then is, how long are they going to keep rates at this position and when will be the first time we’ll see rates going down sometime in 2024? Federal Reserve Boston President Susan Collins was talking about patience. It seems to be a common theme. Everyone’s thinking about pausing. They’re thinking about maybe another move could be in the cards pending data or economic events.

The question is, “How long down the line are they looking to ease?” The mortgage markets always look about six months in advance. As they see that ease perhaps coming in the end coming to rate increases, we’re seeing interest rates stabilize. I also mentioned oil and the demand of our treasuries and people selling our treasuries is a key item. We want to watch what’s going on with that. The Fed is meeting on September 19 and 20, 2023. We want to watch that carefully. We’re going to see the news going into that meeting. We’re looking at inflationary news and everything else.

We’re going to watch that carefully because we’re looking to not spend your money. I spend your money the way I spend my sparingly. I want value for my money and so do you. I want to be sure you keep as much of that as possible. you eliminate interest, create wealth and attack the proper location. You may have credit cards, student loans and mortgages. You may have various other personal loans. Which one do you pay first?

Some say, “Pay the lowest one. Pay the one with the lowest balance. You get rid of it and keep attacking.” That’s great. It builds momentum. It gives you confidence something got eliminated, but was it the right and perfect decision? It’s a decision. It’s better than not making one at all. I want you to be confident. It’s the correct one, mathematically. We can go through each of those and you can go through each of those by a few keystrokes and it will tell you exactly how much money each one of those decisions would save.

You could do predictive analysis. If I want to buy a car and I’m financing over 72 months, perhaps you might be able to pay it off in a year and two months because of discretionary and other monies. If you want to buy a rental property, we can show you how buying a rental property can with rent, perhaps put you in a position to pay that off in single-digit years. As an investor, you may not be interested in paying off the debt because you’re looking to leverage to buy more properties and more doors. We can show you how to do that efficiently and effectively. We are able to show individuals how and why they should be looking to take their social security option, take it at the earliest point, midpoint and endpoint.

How much money will that save them and what that means? Is the lower amount better because they’re getting the money sooner and it can go to work for them and other methods, including debt retirement? Is it the middle of the road or is it the end? That is what we want to watch? We want to show you and illustrate to you that you can make these decisions efficiently. They won’t be a strain on what you do currently. You do what you do best. I want to show you what this program can do for you.

We have many of our investors taking advantage of this opportunity utilizing a DSCR or Debt Service Coverage Ratio loan, then looking at the opportunity to efficiently eliminate interest faster and create more equity coming-in and more income coming in from that property, and then able to utilize, rinse and repeat the process and create more rental opportunity. Creating income. We’re looking to increase your income, lower your debt and plan for your financial future.

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Many people are taking advantage of a perfect financial GPS, setting individual appointments but also looking to participate and show up in a Zoom meeting where you don’t have to be on camera. You don’t have to speak. You gain personal information that can help you with your finances, but that’s the first step. What I would like you to do is register for the webinar. I like to send you out the invite to where you’re going and then also include some information so you have a head start. I want you to be ahead of the curve. I want you to be in front of the line.

I want to give you a partial presentation to watch on your time. I also want to give you some links to watch and demonstrate how the program and the opportunity work. I would like to schedule a time with you either before or even after the general meeting at Webinar@AHeadForMoney.com to register. I would like to set up a meeting with you to discuss further, answer questions, put those items together, and understand your why. What drives you? Are you looking to pay off debt or create wealth? Where are you in your path and where are you on your course with your family?

I would like to know your for our second meeting your numbers. I would like to gain routes and items. Accuracy is important because I don’t want to give you the wrong information. We then will look for your debt-free date and how much money this opportunity can save you. No decision. No obligation. I’m going to put a lot of time and energy into helping your financial path. That is what I do. I have a lot of appointments and meetings with a lot of families all over the United States from one coast to the other and then across the water on one. I’m here to help you with your real estate life, your finances and where that money is going whether you own real estate or you don’t. I can help in that respect if you are an investor or a first-time homebuyer. I can help.

I want to talk with you at (888)543-3980. Register Webinar@AHeadForMoney.com. I’ll get you the information on where to log in and show up at the event, but I also want to get you information so you have a head start. You’re not pressured and you have information ahead of time. We’ll look to possibly set up a meeting at your convenience when you’re available. We’ll go from there, but I’m meeting with quite a few people each and every day. We’re saving thousands of dollars for these individuals.

My goal is to find out if the opportunity is right for you. I’m the first to tell you, “It’s not right for you. Maybe it’s not something you want to do. It’s not something that you believe in once you see it.” Some people say, “I have no debt. I only have three mortgages.” That’s debt. I mentioned to you about interest rate versus interest volume, if you look at your statement, how much interest volume you’re paying versus that rate? Even that 2.8% or 2.58%, in that low-interest rate, you’re still paying 60% interest volume.

My goal is to bring down interest volume. It gives you a head start better than seven, but I was running some numbers for an individual the other day. We took 54% of the down overall, over the 30 years, down to 52%. That was from 7% down to 3% interest rate. As much as you think that rate matters, it matters cash flow-wise monthly. It’s very important to watch. That’s for sometimes an equity line comes in. We can also show you a method and the program’s going to be orchestrated for you and where you can use an equity line to reduce a few more years off your first mortgage because the interest rate is different when it’s simple interest or amortized interest.

People who would guess, “I’ll put this in for my lawn and put it over it.” The problem is that you have multiple payments and monthly affordability. I like to illustrate and show you how monthly affordability can still be there, but at the same time, reduce 6 or 7 months at a time off your term on your first mortgage. Let’s work together. There are about 7, 8 or 9 different principles that I would like to illustrate for you, but you don’t have to be an advanced scholar in finance.

I love working with numbers. You may not, but I do. You may push them off to the left, right or off your desk altogether. I got it. I’ll attack him in the middle. The one benefit you will have with this perfect financial GPS program is coaching. You’ll have people to talk, go and get information. You’ll have unlimited support. If you follow the program and guidelines of what the operation is telling you, you have a money-back guarantee. We’ll go into that together.

Eliminating Interest Burden

The one aspect that I’ve not gone over is from the professional side. Why hasn’t your insurance individual, your real estate professional or maybe your loan professional that maybe you did get a loan from spoken to you about eliminating this interest burden? Maybe you’re reading about mortgage, insurance and finances. Maybe it’s an attorney in the estate planning or mediation divorce. Why aren’t you looking at this opportunity for your clients? It is a tremendous ability for you to share an opportunity for them to free up discretionary, eliminate debt and utilize that to help with retirement items through insurance and financial planning.

It also helps with tax and liability. CPAs will tell you that. For mortgage professionals, we’re not as busy as we were. We’re looking to gain new loan business, but why not talk to your existing business clientele and help your affiliated clientele, your realtor, understand how they can get more investors, free up more money to allow more income to come in, but at the same time, you could take that 30-year loan you did a few years ago at 2% or 3% and show them how that effective yield can get down to 1% without refinancing.

The Perfect Financial GPS

You have the ability to reach out to your past client, gain the ability to get this done and for anyone looking for an opportunity not proficient in the terminology as yet, no licensing required coaching, you’re going to have the ability to have someone working with you in order to close the opportunities. I’m offering you to get started and work with me side by side for $1. If you are interested in learning more about your finances and the perfect financial GPS and you want to share and help others, I would like to talk to you about an opportunity that can help you with your monthly cashflow but also help others improve their position.

It sounds like it’s cheap. $1. If you like me, great. If you don’t like me tomorrow, you lose $1. For $1, I’d like to show you more of this opportunity. You let me know if you’re interested in this opportunity. I will send you out an item for you to look and sign up for, then we will set a time and we will get you on your journey. We have individuals who are making extra money from referrals. We have others who are getting involved and doing it more because their business may be slow.

We have individuals who are making huge amounts of money. Now, they’re not. This is allowing them to get marketing money and other monies that they need, but other monies, whether it’s $500, $1,000, $1,500, $2,000 up to even I’ve seen $8,000 for part-time getting started, it will vary. Your time, energy, enthusiasm and ability to help others and share will make a difference and we’ll evaluate that together. It may or may not be right for you.

I would like to start with you directly. How are you currently doing with your finances? What’s your interest obligation? What is your income? What is your outflow? Whether it’s gas, electric or water power. All those fun things come into play, but then you have the items that you can’t control. You have to pay regardless. You could always live by candlelight, but nonetheless, you still have that car, credit card, a couple of mortgages and an equity line. You have monthly obligations.

The individuals say, “I have no interest.” I have an individual who has said he had no debt, then all of a sudden, in the same paragraph, he says he’s looking for a better way to pay off his debt. He had no debt, but now he’s looking for a better way to pay off his debt. What is that? Is that student loan that started accumulating again that you have a balance? Is it that car? Is it that mortgage or personal loan? Some of these credit cards are getting up to 20% to 30% percent depending on your balance and ability to pay those officially monthly. It makes a difference.

Some people say, “I don’t have any credit card debt,” but every month, they’re paying thousands of dollars for their credit card because they’re paying it off every month. They’re not paying interest, but they’re course utilizing that discretion. What is the other debt and what’s more costly? If you can get that answer to the T very effectively, why wouldn’t you take it?

Over many years in the mortgage lending field, I’ve been doing analysis for people with interest and interest volume. I’ve been doing it for myself for many years, but I saw this as an opportunity to bring it out to you, showing you effectively how to utilize money and finance, something you were not shown in school. Most of you weren’t shown in school unless you majored in it, but you’re not getting a lot of this in the lower levels of your education unless you look at specialty.

My children are now 22 and 24. I’ve been able to show them money and how that works. They’re handling their items effectively and it’s going quite well. They were able to graduate college without any student loan debt from the university. One is getting her Master’s. Those are being taken care of. It’s not too late. We can get you started now. We can get you on your journey, whether you’re getting started, young kids, middle road kids or coming back the kids or you’re looking at setting up your retirement in a better position.

We’re helping those who forward loans and reverse mortgages on the finance side, but we’re helping efficiently handle that interest, handle and retire that debt properly to create wealth and good cashflow. Rates are historically low, but they’re a little bit higher. A reverse mortgage becomes a harder thing to accomplish, depending upon age and equity in your property. We can talk about the options there. We can look at cash-out refinancing if it makes sense to consolidate more expensive debt and maybe free up some more discretionary monthly money to attack other debt sooner. There are ways we can look to do that.

I mentioned the Fed. Many of them came out and were speaking, but I’m looking at some other charts and items, but I’m looking at interest expense other than a mortgage. We’re starting to top off again. We’re looking at those levels coming up to 4.2% from a low of 2.5%. As we hit that 4.7% level, that is usually a sign that we are in a recession. We’re getting close. We’re teetering tottering. We’re seeing what’s going on with oil, with production being cut and with the strength of the dollar. We’re seeing about decisions and indecisions that are occurring. We’re seeing where rates are heading.

I think long-term rates will be heading slightly down, but it’s not going to be a free fall. We’re going to see it gradually. We’re going to get comfortable. Hopefully, We’ll see 6 handles and then maybe 5 handles, but it won’t be a free fall. During the loan process, I’m trying to save you an eighth to quarter here and there, everything we can do to save, but it’s setting up the right loan for the right situation and timing. Whether it’s seller concessions, we’re showing a lower-cost loan doing a buy-down.

We are doing this with little to no money down, 0% down programs using area median income, using bond programs, FHA, VA and USDA in certain areas whether there’s agriculture involved. We are doing this for less than 20% down. We can attack that interest sooner with less money down, a higher loan balance, and higher payment. There is a lot to go over. A lot of people going, “In the morning, you’re telling me all this.”

Closing Words

We can get information out to you. We can chat when it’s convenient for you. You’re on your way somewhere. You got college football or professional football. We got that all launching out a lot of things going on. We got the pennant races and baseball. It’s an exciting time. You got teams that are going to be eliminated that think they’re in the playoffs, that are not going to be in the playoffs. You have things going on. Different roster changes are still happening, whether they control them or they don’t, they’re doing it. People are getting injured people on the sideline. Things change. That happens with your personal day-to-day finances as well.

The unexpected happens. Being able to make a decision and pivot is the important thing. Are you the cow that runs away as soon as they see a storm and they run as fast as a cow can run? The problem is the storm catches up and they end up in it longer because they’re now running with a storm. Are you the bull in charge right into the storm, running fast, a lot faster than the cow, running fast and going through the storm much sooner and perhaps solving the problem?

Think of this. Are you the bull or the cow? We need to be the bull. We need to take the problem by what it is and solve it. Understand what it is and let’s make that happen together. I solve problems. I make things better. That’s what I’ve done now for many years. My office knows that all the problems are solved and make sure I’m okay because I want to make sure you have the best direction possible. It’s been a pleasure being here with you. What kind of loan do you have?

Important Links

• Webinar@AHeadForMoney.com
• Statement@United4Loans.com