I thought you'd like to see this short little video
on how to boost your credit scores.
Go see it here now.
Pretty cool, huh?
Did you like it? Go ahead and leave me a comment and let me know.
When you do, please include your email address. I'll send you a link
to another really cool resource that'll help you get your credit scores
boosted...fast-n-easy.
Stay tuned...more to come!
Steve
Stephen Fischer
Tradition Mortgage
Moline, IL
Office 309-743-0110
Call 1-800-882-1834 ext.2117
To Get the 7 Steps to Stop
Paying Rent
Showing posts with label refinance. Show all posts
Showing posts with label refinance. Show all posts
Monday, April 21, 2008
Sunday, February 10, 2008
Be on the look out for it...
Hello to all!
A quick heads up. I'm putting the finishing touches on a new report you'll enjoy. For details on it, click here.
Talk to you soon!
Steve
A quick heads up. I'm putting the finishing touches on a new report you'll enjoy. For details on it, click here.
Talk to you soon!
Steve
Friday, February 1, 2008
“Will You Do Me a Favor?”
I have an idea, and I need your opinion on it. (Please read on for details.)
Thanks! :-)
Steve Fischer here. I hope all’s going well with you! I’m really excited about something, and wanted to tell you about it…
Could you do me favor?
I’m testing out a new program for my clients. And before I roll it out on a grand scale, I wanted to check with you to see what you thought of it.
Here’s what it’s all about…
I discovered a way to show you how to payoff your debts legally, morally and ethically in a third of the time… without increasing the payments in your monthly budget.
It has nothing to do with ‘bi-weekly’ payments or getting a line of credit.
It’s a way to ‘re-engineer’ your existing debts. Just make some simple changes to how you pay your bills (using this new program) and you can save yourself thousands of dollars in unnecessary interest. With times like they are right now, this could really help you out.
It doesn’t cost a dime to ‘test the waters’ and see if this program is right for you.
Give me a call at 309-743-0110 so I can explain all the details...
Thanks in advance for your help. I look forward to hearing from you!
Steve Fischer
Tradition Mortgage
800 36th Ave
Moline, IL 61265
You can send me a message here or leave me a comment to this post. OR...
Go see this for more details!
P.S. I put together a special report that includes some examples of how this works also. I can send it to you (or email it to you) when you call. You can also subscribe at one of the links above and I'll get it right out to you.
Thanks again!
Thanks! :-)
Steve Fischer here. I hope all’s going well with you! I’m really excited about something, and wanted to tell you about it…
Could you do me favor?
I’m testing out a new program for my clients. And before I roll it out on a grand scale, I wanted to check with you to see what you thought of it.
Here’s what it’s all about…
I discovered a way to show you how to payoff your debts legally, morally and ethically in a third of the time… without increasing the payments in your monthly budget.
It has nothing to do with ‘bi-weekly’ payments or getting a line of credit.
It’s a way to ‘re-engineer’ your existing debts. Just make some simple changes to how you pay your bills (using this new program) and you can save yourself thousands of dollars in unnecessary interest. With times like they are right now, this could really help you out.
It doesn’t cost a dime to ‘test the waters’ and see if this program is right for you.
Give me a call at 309-743-0110 so I can explain all the details...
Thanks in advance for your help. I look forward to hearing from you!
Steve Fischer
Tradition Mortgage
800 36th Ave
Moline, IL 61265
You can send me a message here or leave me a comment to this post. OR...
Go see this for more details!
P.S. I put together a special report that includes some examples of how this works also. I can send it to you (or email it to you) when you call. You can also subscribe at one of the links above and I'll get it right out to you.
Thanks again!
Monday, July 30, 2007
Credit Scoring 101
"Use These Facts to help you..."
What is a credit score?
Before any lender decides on what terms to offer you on your new loan (which they base on the "risk" to them) they want to know two things about you:
1. Your ability to pay back the loan, and
2. Your willingness to pay back the loan.
For the first, they look at your income-to-debt obligation ratio. For your willingness to pay back the loan, they look at your credit score.
The most widely used credit scores are FICO scores, which were developed by Fair Isaac & Company, Inc. (and they're named after their inventor!). Your FICO score is between 350 (high risk) and 850 (low risk).
Credit scores only consider the information contained in your credit profile. They don't include things like your income, savings, and down payment amount. Or demographic factors like gender, race, nationality or marital status. (The fact they don't consider demographic factors is why they were invented in the first place.) "Profiling" was as dirty a word when FICO scores were invented as it is now. Credit scoring was developed as a way to consider only what was relevant to somebody's willingness to repay a loan.
Past delinquencies, derogatory payment behavior, current debt level, length of credit history, types of credit and number of inquiries are all considered in credit scores. Your score considers both positive and negative information in your credit report. Late payments will lower your score, but establishing or reestablishing a good track record of making payments on time will raise your score.
Different parts of your credit history are given different weights. Thirty-five percent (35%) of your FICO score is based on your specific payment history. Thirty percent (30%) is your current level of indebtedness. The time your open credit has been in use (ten year old accounts are good, six month old ones aren't as good) and types of credit available to you (installment loans such as student loans, car loans, etc. versus revolving and debit accounts like credit cards) each account for 15%. Finally, 5% of your score is based on the pursuit of new credit.
Your credit report must contain at least one account, which has been open for six months or more, and at least one account that has been updated in the past six months for you to get a credit score. This ensures there's enough info in your report to generate an accurate score.
If you don't meet the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage.
Need more tips? Have more questions? Call me! I can help you by answering any specific questions you have on your report. I can also help you with a complimentary credit evaluation and identity theft review. Call me at 309-743-0110 for more details...
Sunday, June 3, 2007
Your Credit Card Company Hopes You NEVER Find This Out!
There are 6 things your credit card company DOES NOT want you to know!
Knowing these 6 things will save you a ton of hassle...and money!
Here they are...
#1 The TRAP is set. The average consumer has 4 credit cards, with an average balance per card of $3,900 (that’s $15,600 in debt in case you haven’t done the math!) Sure, there’s safety in numbers, but is this the company in which you want to belong?
I don’t know about you, but I’d much rather be in the “below average” customer group that has less than $1,000 in TOTAL credit card debt. These companies keep offering us new cards every week (think about how many you have received in the last year!) They offer higher credit limits and cash advances. Basically, they insult our intelligence. Many consumers are flattered when they receive their “PRE-APPROVED PLATINUM VISA- just fill out the form below sign and send back” letter. We think we’re being rewarded for a job well done. The job, of course, is being able to spend money with the best of them and pay it back better than most. Don’t get SUCKED into this mental TRAP! STOP TRYING TO KEEP UP WITH THE JONESES; THEY’RE HEADED FOR BANKRUPTCY, ANYWAY!
#2 The Never-Ending Debt… If you make the minimum payment due on your average balance of $3,900 each month, your credit card will be paid off in approximately 39 years! It’s called “amortization”, or in the case of credit card repayment, I should say “lack of amortization.” In lay terms, this simply means you have no real term set in order to pay this back. It’s open-ended. They’ll let you pay on that same balance forever if you let ‘em. When you buy an automobile, you may finance it for 5 years. You know, if you never send an extra dime over your monthly payment to that Loan Company or bank, you’ll own that car on the day of your 60th payment. You have none of these guarantees with credit cards. They are revolving accounts. I guess you can say they are like the Energizer Bunny, “THEY KEEP GOING, AND GOING, AND GOING…”
Want to know the other 4 credit card traps? Then click here to get them!
Please let me know if there's anything else I can do to help you.
Steve
Knowing these 6 things will save you a ton of hassle...and money!
Here they are...
#1 The TRAP is set. The average consumer has 4 credit cards, with an average balance per card of $3,900 (that’s $15,600 in debt in case you haven’t done the math!) Sure, there’s safety in numbers, but is this the company in which you want to belong?
I don’t know about you, but I’d much rather be in the “below average” customer group that has less than $1,000 in TOTAL credit card debt. These companies keep offering us new cards every week (think about how many you have received in the last year!) They offer higher credit limits and cash advances. Basically, they insult our intelligence. Many consumers are flattered when they receive their “PRE-APPROVED PLATINUM VISA- just fill out the form below sign and send back” letter. We think we’re being rewarded for a job well done. The job, of course, is being able to spend money with the best of them and pay it back better than most. Don’t get SUCKED into this mental TRAP! STOP TRYING TO KEEP UP WITH THE JONESES; THEY’RE HEADED FOR BANKRUPTCY, ANYWAY!
#2 The Never-Ending Debt… If you make the minimum payment due on your average balance of $3,900 each month, your credit card will be paid off in approximately 39 years! It’s called “amortization”, or in the case of credit card repayment, I should say “lack of amortization.” In lay terms, this simply means you have no real term set in order to pay this back. It’s open-ended. They’ll let you pay on that same balance forever if you let ‘em. When you buy an automobile, you may finance it for 5 years. You know, if you never send an extra dime over your monthly payment to that Loan Company or bank, you’ll own that car on the day of your 60th payment. You have none of these guarantees with credit cards. They are revolving accounts. I guess you can say they are like the Energizer Bunny, “THEY KEEP GOING, AND GOING, AND GOING…”
Want to know the other 4 credit card traps? Then click here to get them!
Please let me know if there's anything else I can do to help you.
Steve
Tuesday, April 24, 2007
What My Chihuahua Taught Me...And How It Can Help You Too!
I live in a freakin' zoo!
Now, I'm not complaining...so bear with me here.
With 3 kids, 4 cats and 2 dogs (including a chihuahua that thinks she has hairballs) and a wife that SNORES...I have at least nine potential things that can wake me up in the middle of the night.
It happens a lot. I'm a light sleeper. I'm used to it.
OK, so it's 4:47 in the morning. What could possibly wake me up this time?
Ouff...Ouff...Ouff...Huh?
What's that noise?
The winner is...
My 3 1/2 lb. furball...long-haired chihuahua, Kiwi.
(See the second photo above...)
I gotta tell ya. she's been hanging out with my cats too much.
Why?
Because she decided that she has hairballs!
Huh? Ouff...Ouff...Ouff!
(Trust me, it's tough to put the sound of a dog making fake hairball sounds in print. So I invented a word on the spot- ouff. It was the best I could think of at 5:19 a.m.)
"Ok, Kiwi. You win. I'll get up & take care of ya."
Great.
as soon as I roll out of bed...she STOPS making this strange noise...and cuddles up in bed with my wife.
Oh well. At least now I can share this weird story with you!
OK, are you still with me? Good. 'Cuz there is a point to all this...
Believe it or not, my little 3 1/2 lb. Kiwi teaches me a lot:
* She's an expert at getting attention. Why?
(do you really have to ask? I mean - look at her! She's just too darn cute, isn't she?) How can something so small and furry stop traffic in public and spread smiles & aaawwws like a virus wherever she goes?
Amazing. What else has she taught me?
* She knows how to get what she wants. When she needs exercise, all she has to do is catch a glimpse of her tail in her peripheral vision...then WHOOSH! Off she goes in a relentless pursuit of her own tail!
Over and over again.
Which brings me to my next point...
* She doesn't take herself too seriously. I gotta admit it. It's freakin' hilarious watching her run in circles tryin' to catch her tail! Who needs TV when you can witness spectacles like this? (Truth IS always stranger than fiction.)
Wait - there's more!
* She has NO Fear! I haven't told you about my other dog...
My spastic beagle/lab mix, Lucy. (I'll save my diatribe on her for another day.) But I will mention this...
Kiwi loves to pick on Lucy! (Look at the 1st pic above for PROOF!)
Trust me on this one. Your life ain't complete 'til you've seen these two wrestle!
Who wouldn't want to watch a little brown 3 1/2 lb. fuzzball bounce around all over a dog 20 times her size...and kick her ass?
It's all play, of course. No animals ever really get harmed in my world.
Lucy always plays along and takes her 'beating' like a trooper. Actually, I think she likes the attention. Really. She gets her ears cleaned out for one thing! Plus I'm pretty sure the back of Lucy's legs stay pretty clean too. Why? Beacuse Kiwi is always 'nibbling' the dirt off of 'em!
Alright, enough.
Is there a point to all this? YOU BETCHA!
If you want to get aheaad in this world...live life to the fullest...enjoy yourself...and YES even take control over your finances...
then you can learn a few things from Kiwi. Especially this...
* She's not afraid to ask for help! Even though the whole 'hairball' thing was a false alarm...
She still knows she can turn to 'Dad' for help.
So can you.
If you need to get a grip on your money situation, I can help you use your home to make everything waaayyyyy better!
Call me today at 309-743-0110. Let's see if I can help.
You have nothing to lose (and Kiwi will thank you for it!) :)
Sincerely,
Steve
P.S. Just kidding about the snoring, dear!
Monday, April 9, 2007
“How Can You Quickly and Easily Give Your Mortgage a MASSIVE Overhaul, Slash Your Monthly Payments AND Put Cash In Your Pocket…Risk-Free?”
Easy. Just follow these simple steps…
Dear Friend,
Are you tired of working your tail off to pay your bills…
with nothing but pocket lint left to show for it?
Do you have too much month left at the end of your money?
Are you tired of struggling just to pay thousands of dollars in unnecessary interest on your home mortgage, car payment and credit card bills?
Do you get sick to your stomach when you open your mortgage statement…and notice your balance is barely moving at all?
What if you could quickly and easily ‘tune up’ your finances…without risking a penny?
Would you?
Now you can discover the secret tips, tricks and strategies most loan officers don’t know about.
Here’s all you need to do to get started:
Pick up the phone right now and call me at 1-877-743-0110. You can even lock into a lower fixed payment on your home loan. Here’s what else you can do…
· Get rid of your unpredictable, high payment mortgage(s). Switch to a stable, lower payment.
· Wipe out ALL of your credit card balances! Without bankruptcy, credit counseling, or damaging your credit rating in any way. You’ll even improve your credit score in the long run as a result!
· Learn how to become debt free in as little as 5 years! Using your current income.
· 1 – 2 months with no bills to pay to anyone! No mortgage, no car payments, no credit cards! Just think what that could save you… some people save as much as $2431.38 right there alone.
· I’ll build you a 100% legal, ethical and moral “middle class tax shelter!” Hint: this is the same technique that the wealthy already know about, and they’ve used it for decades. Why aren’t you using it? This could be worth thousands of dollars of additional savings to you!
· Wipe out your car loans! And get your car titles free and clear! No more car payments!
· I’ll save you hundreds (maybe even thousands) of dollars every month! Money you now spend servicing debt. Hey! You really can improve the quality of your life! I can even get you EXTRA CASH… while still saving you money each month!!!
Sound too good to be true? Don’t take my word for it. Go see the other posts on this page. Read the words of my happy clients!
Now, you may be asking yourself, “Yeah, but will I qualify?”
Maybe. Maybe not.
But there’s only one way to be sure…
Call me NOW at 1-877-743-0110. Or click here and get started while it’s fresh in your mind. You have nothing to lose!
Wishing you a future filled with weatlh, happiness and success!
Steve Fischer
Dear Friend,
Are you tired of working your tail off to pay your bills…
with nothing but pocket lint left to show for it?
Do you have too much month left at the end of your money?
Are you tired of struggling just to pay thousands of dollars in unnecessary interest on your home mortgage, car payment and credit card bills?
Do you get sick to your stomach when you open your mortgage statement…and notice your balance is barely moving at all?
What if you could quickly and easily ‘tune up’ your finances…without risking a penny?
Would you?
Now you can discover the secret tips, tricks and strategies most loan officers don’t know about.
Here’s all you need to do to get started:
Pick up the phone right now and call me at 1-877-743-0110. You can even lock into a lower fixed payment on your home loan. Here’s what else you can do…
· Get rid of your unpredictable, high payment mortgage(s). Switch to a stable, lower payment.
· Wipe out ALL of your credit card balances! Without bankruptcy, credit counseling, or damaging your credit rating in any way. You’ll even improve your credit score in the long run as a result!
· Learn how to become debt free in as little as 5 years! Using your current income.
· 1 – 2 months with no bills to pay to anyone! No mortgage, no car payments, no credit cards! Just think what that could save you… some people save as much as $2431.38 right there alone.
· I’ll build you a 100% legal, ethical and moral “middle class tax shelter!” Hint: this is the same technique that the wealthy already know about, and they’ve used it for decades. Why aren’t you using it? This could be worth thousands of dollars of additional savings to you!
· Wipe out your car loans! And get your car titles free and clear! No more car payments!
· I’ll save you hundreds (maybe even thousands) of dollars every month! Money you now spend servicing debt. Hey! You really can improve the quality of your life! I can even get you EXTRA CASH… while still saving you money each month!!!
Sound too good to be true? Don’t take my word for it. Go see the other posts on this page. Read the words of my happy clients!
Now, you may be asking yourself, “Yeah, but will I qualify?”
Maybe. Maybe not.
But there’s only one way to be sure…
Call me NOW at 1-877-743-0110. Or click here and get started while it’s fresh in your mind. You have nothing to lose!
Wishing you a future filled with weatlh, happiness and success!
Steve Fischer
Friday, April 6, 2007
Money Likes Speed
Hey gang, I just finished reading an insightful article from Robert Ringer's FREE newsletter, A Voice of Sanity in an Insane World. (I highly recommend you sign up for this eye-opening newsletter by clicking here.)
Anyway, the title of today's article was "Success Likes Speed." In the article he quotes another one of my favorite authors, Joe Vitale. Joe's saying "Money Likes Speed" is a brilliant piece of advice that we can all to take to heart.
Both authors make these points:
- Action breeds results
- Taking the 1st step to getting what you want is not only THE most important one...it's also the hardest one for most of us.
- Over-planning & over-analyzing is a BIG productivity killer.
- Procrastination SAPS your enthusiasm
- The longer you wait to go after whatever it is you want, the less likely it is you'll get it
- Time is finite. It's the only thing you can never get more of. When it's gone, it's lost forever.
So what's my point for telling you all of this?
Simple. I'm dedicated to helping homeowners like you take control over your financial future. To educate you on quick & easy ways to use your house to take control of your future.
So why wait? TAKE ACTION NOW! I can help you with FREE information to get you back on track to achieving your financial goals. Click here for my FREE report & get all the details now!
To your action-oriented success,
Steve
Anyway, the title of today's article was "Success Likes Speed." In the article he quotes another one of my favorite authors, Joe Vitale. Joe's saying "Money Likes Speed" is a brilliant piece of advice that we can all to take to heart.
Both authors make these points:
- Action breeds results
- Taking the 1st step to getting what you want is not only THE most important one...it's also the hardest one for most of us.
- Over-planning & over-analyzing is a BIG productivity killer.
- Procrastination SAPS your enthusiasm
- The longer you wait to go after whatever it is you want, the less likely it is you'll get it
- Time is finite. It's the only thing you can never get more of. When it's gone, it's lost forever.
So what's my point for telling you all of this?
Simple. I'm dedicated to helping homeowners like you take control over your financial future. To educate you on quick & easy ways to use your house to take control of your future.
So why wait? TAKE ACTION NOW! I can help you with FREE information to get you back on track to achieving your financial goals. Click here for my FREE report & get all the details now!
To your action-oriented success,
Steve
Wednesday, April 4, 2007
The Ugly Truth...and 11 Reasons Why You Should Take Control of Your Financial Future NOW!
WARNING: What you're about to read may not be upbeat. But it's true...
I was reading Howard Dayton's inspiring book "Your Money Map" recently...
(By the way, if your serious about learning the 7 Steps to true financial freedom, this is an awesome resource!) when I came across these 11 alarming facts.
· The United States is absorbing 80% of the world’s surplus savings to fund its deficits and debts
· 2/3 of all middle-income Americans (66%) live paycheck to paycheck
· Most people have not been taught how to handle money properly
· Every 27 seconds in America, a couple divorces. The #1 reason? MONEY PROBLEMS
· In 2005, the personal savings rate was negative 5% of their income, the lowest personal savings rate in 73 years (source: US Dept. of Commerce, Bureau of Economic Analysis, www.bea.gov)
· 82% of middle-income Americans say there’s not much left to save after the pay their bills
· The average American today spends $1.10 for every dollar earned
· The average American credit card holder carries more than 6 cards and owes more than $9,300 on them
· In 2005, credit card debt in the USA totaled $797 BILLION (source: consumer credit, www.federalreserve.com)
· 97% of Americans age 65 have less than $600 in their checking account. Only 3% are financially secure and 54% are still working (USA Today)
· If you make only the required payment on a 30-year mortgage, it’ll take 23 years before the principal and interest portions of the payment match each other!
Wow!
Can you see why it's vitally important for you to take control of your financial future now?
Want some help? Stay tuned - because I'm putting the finishing touches on a resource that puts you on the path to freedom quickly and easily!
I'm excited! And I can't wait to show it to you!
Hold on to your hats...the minute you can get your hands on this amazing tool, I'll let you know!
Have a happy 'hump day!'
Steve
P.S. For a sneak peek at this FREE insider report - "How to Escape The Debt Rat Race," call 1-800-882-1834, ext. 2019 anytime, 24/7 and I'll rush you this eye-opening report. Or you can get your copy by clicking here. Make sure you put the words "Debt Rat Race" in the subject line.
Peace!
I was reading Howard Dayton's inspiring book "Your Money Map" recently...
(By the way, if your serious about learning the 7 Steps to true financial freedom, this is an awesome resource!) when I came across these 11 alarming facts.
· The United States is absorbing 80% of the world’s surplus savings to fund its deficits and debts
· 2/3 of all middle-income Americans (66%) live paycheck to paycheck
· Most people have not been taught how to handle money properly
· Every 27 seconds in America, a couple divorces. The #1 reason? MONEY PROBLEMS
· In 2005, the personal savings rate was negative 5% of their income, the lowest personal savings rate in 73 years (source: US Dept. of Commerce, Bureau of Economic Analysis, www.bea.gov)
· 82% of middle-income Americans say there’s not much left to save after the pay their bills
· The average American today spends $1.10 for every dollar earned
· The average American credit card holder carries more than 6 cards and owes more than $9,300 on them
· In 2005, credit card debt in the USA totaled $797 BILLION (source: consumer credit, www.federalreserve.com)
· 97% of Americans age 65 have less than $600 in their checking account. Only 3% are financially secure and 54% are still working (USA Today)
· If you make only the required payment on a 30-year mortgage, it’ll take 23 years before the principal and interest portions of the payment match each other!
Wow!
Can you see why it's vitally important for you to take control of your financial future now?
Want some help? Stay tuned - because I'm putting the finishing touches on a resource that puts you on the path to freedom quickly and easily!
I'm excited! And I can't wait to show it to you!
Hold on to your hats...the minute you can get your hands on this amazing tool, I'll let you know!
Have a happy 'hump day!'
Steve
P.S. For a sneak peek at this FREE insider report - "How to Escape The Debt Rat Race," call 1-800-882-1834, ext. 2019 anytime, 24/7 and I'll rush you this eye-opening report. Or you can get your copy by clicking here. Make sure you put the words "Debt Rat Race" in the subject line.
Peace!
Tuesday, April 3, 2007
Need a Vacation From Your Bills?
This gets overlooked a lot...
One of the really cool things about refinancing your home mortgage is this:
You get to skip one, sometimes TWO house payments!
This comes in handy when you need to take care of unexpected expenses. (Like work you've been meaning to get done around the house, a nagging repair to your car you've been putting off, etc.)
Here's another quick tip for what you can do with this 'payment vacation:'
Apply the extra savings directly to your mortgage. It's the same as investing the money at the same rate of return as the rate on your new mortgage!
Pretty cool, huh?
Want to learn more insider tips & tricks to help you break free from the debt race?
All you need to do is drop me a line and I'll rush you my FREE report "How to Escape The Debt Rat Race."
Have yourself a wonderful Tuesday!
Dedicated to giving you financial freedom,
Steve
One of the really cool things about refinancing your home mortgage is this:
You get to skip one, sometimes TWO house payments!
This comes in handy when you need to take care of unexpected expenses. (Like work you've been meaning to get done around the house, a nagging repair to your car you've been putting off, etc.)
Here's another quick tip for what you can do with this 'payment vacation:'
Apply the extra savings directly to your mortgage. It's the same as investing the money at the same rate of return as the rate on your new mortgage!
Pretty cool, huh?
Want to learn more insider tips & tricks to help you break free from the debt race?
All you need to do is drop me a line and I'll rush you my FREE report "How to Escape The Debt Rat Race."
Have yourself a wonderful Tuesday!
Dedicated to giving you financial freedom,
Steve
Monday, April 2, 2007
Can You Answer These Questions?
· What is THE most important factor for achieving financial freedom?
· Is the interest rate on your home mortgage its most important factor?
· Do you know how to beat the ‘fat cat’ banks, mortgage lenders & credit card companies at their own game?
· Are there really 'hidden forces' sabotaging your financial success?
· Is your home mortgage literally sucking the life out of you financially?
· What is the Big Trap set by banks, merchants and lending institutions? (And do you know the two words they use to keep millions of Americans mired in untold BILLIONS of dollars of crippling debt?)
· What's the Simple, Easy & Effective 7-Step Plan for Attaining Freedom From the Clutches of Debt…once and for all?
If you want to know the answer to these questions, simply subscribe to my blog by entering your email address in one of the links to the left of this page.
Or you can call me at (877) 743-0110, leave your name & address. Then I'll send you the answers in the 'snail mail.'
Go for it!
Steve
P.S. You can also drop me a line and I'll send your FREE report over right away! Thanks! :)
· Is the interest rate on your home mortgage its most important factor?
· Do you know how to beat the ‘fat cat’ banks, mortgage lenders & credit card companies at their own game?
· Are there really 'hidden forces' sabotaging your financial success?
· Is your home mortgage literally sucking the life out of you financially?
· What is the Big Trap set by banks, merchants and lending institutions? (And do you know the two words they use to keep millions of Americans mired in untold BILLIONS of dollars of crippling debt?)
· What's the Simple, Easy & Effective 7-Step Plan for Attaining Freedom From the Clutches of Debt…once and for all?
If you want to know the answer to these questions, simply subscribe to my blog by entering your email address in one of the links to the left of this page.
Or you can call me at (877) 743-0110, leave your name & address. Then I'll send you the answers in the 'snail mail.'
Go for it!
Steve
P.S. You can also drop me a line and I'll send your FREE report over right away! Thanks! :)
Sunday, April 1, 2007
WARNING: Don’t Sign Off on Your Mortgage Until You Read This!
SPECIAL FREE REPORT - 20 Terms You Must Know and Understand
Before You Sign Off On Your Mortgage!
Buying a home and shopping your mortgage can be a confusing (and intimidating) experience. That’s why it’s so important that you prepare yourself as completely as possible for the road ahead.
You may encounter several terms with which you are unfamiliar during the lending process. Educating yourself on the many terms and concepts used during the process will help you make sound financial decisions… decisions that will save you big money!
Lack of preparation could cost you tens of thousands of dollars! Don’t let it happen to you...Call Now for your FREE report... 1-800-882-1834 Ext 2057 anytime 24 hours a day…
…Or send me an email with the words “20 Terms” in the subject line. I’ll RUSH this information to you right away!
Hope this helps, have a fabulous day!
Steve
Before You Sign Off On Your Mortgage!
Buying a home and shopping your mortgage can be a confusing (and intimidating) experience. That’s why it’s so important that you prepare yourself as completely as possible for the road ahead.
You may encounter several terms with which you are unfamiliar during the lending process. Educating yourself on the many terms and concepts used during the process will help you make sound financial decisions… decisions that will save you big money!
Lack of preparation could cost you tens of thousands of dollars! Don’t let it happen to you...Call Now for your FREE report... 1-800-882-1834 Ext 2057 anytime 24 hours a day…
…Or send me an email with the words “20 Terms” in the subject line. I’ll RUSH this information to you right away!
Hope this helps, have a fabulous day!
Steve
Saturday, March 31, 2007
“Attention: Iowa Homeowners - Use These 10 Steps To Find Out If Your Mortgage Lender is Taking You For a Ride…”
Sad but true...I hear about this almost every day.
I run across folks like you that have no idea about the terms of their current home loan. (Read my previous posts for some examples.)
If you live in Iowa and own your home, there's a FREE way to find out if your Lender is 'taking you for a ride.' Here's all you need to do:
1. Go to http://www.iowalandrecords.org/
2. Click on the 'become a registered user' link. Follow the simple instructions. (Hint: make sure you sign up as a public user so you can have unlimited FREE access to your records.)
3. Once you obtain your unique user name and password, login to the site.
4. Click on the 'Land Record Search' link to the left.
5. Select your County, then click 'continue search.'
6. Now you can locate your mortgage by date range, your 1st & last name, or by the name of your Mortgage Lender.
7. Make sure you choose 'Mortgage' in the document type drop-down window, then click 'search.'
8. Now you can view an image of your mortgage by clicking on the 'Img' link.
9. When the next screen pops up, click on the 'view full image' link. Now you can view a copy of your recorded mortgage as an Adobe PDF document.
OK. Step 10. is a 'biggie.' Here's where you need to pay close attention:
10. Scroll to the 2nd page of your Mortgage. In the middle of the page you should see a bunch of boxes. Check and see if your document has an 'X' on the 'Adjustable Rate Rider' box.
Does it? If not, great. But, if it does...
Then you need to read the Rider in your document! It spells out how the interest rate on your loan more than likely WILL increase, and when.
Whew! Seems like a lot of work, doesn't it?
Want an easier way to see if your being 'hosed' on your home loan?
Then pick up the phone and give me a call at (877)743-0110.
I can help you figure out if your Lender really is 'taking you for a ride!'
I'm shocked at how many people have no idea about the terms of their home
loan. Nobody told them they have an adjustable rate.
Hopefully, this post will help you find out the truth about your mortgage...and I also hope you find out this way rather than the hard way...
...After Your Payment Goes Through The Roof!
Check it out!
Steve
P.S. Please feel free to share these tips with anyone else you think would benefit from this...thanks! :)
I run across folks like you that have no idea about the terms of their current home loan. (Read my previous posts for some examples.)
If you live in Iowa and own your home, there's a FREE way to find out if your Lender is 'taking you for a ride.' Here's all you need to do:
1. Go to http://www.iowalandrecords.org/
2. Click on the 'become a registered user' link. Follow the simple instructions. (Hint: make sure you sign up as a public user so you can have unlimited FREE access to your records.)
3. Once you obtain your unique user name and password, login to the site.
4. Click on the 'Land Record Search' link to the left.
5. Select your County, then click 'continue search.'
6. Now you can locate your mortgage by date range, your 1st & last name, or by the name of your Mortgage Lender.
7. Make sure you choose 'Mortgage' in the document type drop-down window, then click 'search.'
8. Now you can view an image of your mortgage by clicking on the 'Img' link.
9. When the next screen pops up, click on the 'view full image' link. Now you can view a copy of your recorded mortgage as an Adobe PDF document.
OK. Step 10. is a 'biggie.' Here's where you need to pay close attention:
10. Scroll to the 2nd page of your Mortgage. In the middle of the page you should see a bunch of boxes. Check and see if your document has an 'X' on the 'Adjustable Rate Rider' box.
Does it? If not, great. But, if it does...
Then you need to read the Rider in your document! It spells out how the interest rate on your loan more than likely WILL increase, and when.
Whew! Seems like a lot of work, doesn't it?
Want an easier way to see if your being 'hosed' on your home loan?
Then pick up the phone and give me a call at (877)743-0110.
I can help you figure out if your Lender really is 'taking you for a ride!'
I'm shocked at how many people have no idea about the terms of their home
loan. Nobody told them they have an adjustable rate.
Hopefully, this post will help you find out the truth about your mortgage...and I also hope you find out this way rather than the hard way...
...After Your Payment Goes Through The Roof!
Check it out!
Steve
P.S. Please feel free to share these tips with anyone else you think would benefit from this...thanks! :)
Sunday, December 17, 2006
You Probably Have A Bunch Of Questions You Want Answered...
1. “How can I find out how much I can save?”
Call me at 1-877-743-0110 during regular business hours (M-F 9 a.m. to 5 p.m.) I’ll ask you a few questions, get to know you and your unique situation, and come up with the perfect program for you!
2. “I’m getting by O.K. Why change anything right now?”
“Getting by” is fine, but wouldn’t it be nice to do much more than “get by?” Don’t you owe it to you and your family to improve your standard of living? Or the chance to save for the future and enjoy the present more? It’s a proven statistic that Americans worry more, and American couples fight more about money than any one singular thing!
3. “Is there only one program that’s available? What if I don’t qualify?”
There are so many programs available it’s impossible to list them all in this letter. As a debt analysis expert, I’ll guide you through the programs available to you. In the unlikely event there isn’t a program to meet your needs you’ve lost nothing. Even if you’ve had credit problems in the past, most of the Lenders I work with only review your payment history for the last 12 months. So if you’re an honest, hard-working person & do your best to pay your bills each month, you’re more than likely to qualify.
4. “Are there closing costs involved?”
Yes. Any type of mortgage or home equity loan has closing costs. However, you pay none of them up front, or if the loan doesn’t close. The only time there are costs involved is when the loan goes to closing, and even then, they are paid out of the new loan itself. Keep this in mind; your savings will far outweigh your costs (otherwise, you wouldn’t be taking out the loan!)
5. “How can I get the most from this system, the fastest?”
First, ACT NOW by calling for your FREE Payment Reduction Audit. The sooner you know your financial situation, the sooner you can start saving money per month. You can even skip next month’s bills if you act quickly and smartly. Once you have your new loan, I’ll show you how to apply your savings toward your other debts to get out of debt even quicker!
“So, What Do I Do Next?”
Here’s all you have to do.
Simply call me at (877) 743-0110 for a FREE, No-Obligation “Payment Reduction Audit”. We’ll discuss your particular situation, I’ll answer all of your questions, and we’ll determine whether or not a DEBT-BUSTER loan is right for you – before you commit to anything.
Hope this helps.
To your well-being,
Steve
Call me at 1-877-743-0110 during regular business hours (M-F 9 a.m. to 5 p.m.) I’ll ask you a few questions, get to know you and your unique situation, and come up with the perfect program for you!
2. “I’m getting by O.K. Why change anything right now?”
“Getting by” is fine, but wouldn’t it be nice to do much more than “get by?” Don’t you owe it to you and your family to improve your standard of living? Or the chance to save for the future and enjoy the present more? It’s a proven statistic that Americans worry more, and American couples fight more about money than any one singular thing!
3. “Is there only one program that’s available? What if I don’t qualify?”
There are so many programs available it’s impossible to list them all in this letter. As a debt analysis expert, I’ll guide you through the programs available to you. In the unlikely event there isn’t a program to meet your needs you’ve lost nothing. Even if you’ve had credit problems in the past, most of the Lenders I work with only review your payment history for the last 12 months. So if you’re an honest, hard-working person & do your best to pay your bills each month, you’re more than likely to qualify.
4. “Are there closing costs involved?”
Yes. Any type of mortgage or home equity loan has closing costs. However, you pay none of them up front, or if the loan doesn’t close. The only time there are costs involved is when the loan goes to closing, and even then, they are paid out of the new loan itself. Keep this in mind; your savings will far outweigh your costs (otherwise, you wouldn’t be taking out the loan!)
5. “How can I get the most from this system, the fastest?”
First, ACT NOW by calling for your FREE Payment Reduction Audit. The sooner you know your financial situation, the sooner you can start saving money per month. You can even skip next month’s bills if you act quickly and smartly. Once you have your new loan, I’ll show you how to apply your savings toward your other debts to get out of debt even quicker!
“So, What Do I Do Next?”
Here’s all you have to do.
Simply call me at (877) 743-0110 for a FREE, No-Obligation “Payment Reduction Audit”. We’ll discuss your particular situation, I’ll answer all of your questions, and we’ll determine whether or not a DEBT-BUSTER loan is right for you – before you commit to anything.
Hope this helps.
To your well-being,
Steve
Wednesday, December 13, 2006
How the “No Nonsense” Approach Saved Elmer Big $$$!
Wow!!!
Steve's “No Nonsense” Approach to Home Financing Saved Me Big $$$!
“Boy, I’m really glad I saved the letter Steve sent me in the mail because he really helped me when I needed it.”
“I didn’t even realize it- but the mortgage I had on my house had an adjustable rate. The rate had already gone up by 1.5%, and was sure to keep going up. I sure wish the last Lender I worked with would’ve told me this.”
“Thanks to Steve, I was able to lock in at a FIXED rate that’s 2.7% lower than what I was paying. This will easily save me thousands of dollars over the next few years!”
“But here’s what I like best of all. Steve made the whole process a ‘breeze.’ It was nice to work with someone that ‘knows his stuff.’ He kept me informed while my loan was getting approved. And he didn’t keep ‘bugging’ me for additional information. He asked me for everything I needed up front. That was nice! And it saved me ton of time and hassle.”
“Well, Steve, I can’t thank you enough for all of your hard work and the great results. I’ll definitely tell my friends and co-workers that you’re the ‘go-to guy’ when it comes to ‘no-nonsense’ mortgage financing. Good job!”
Sincerely,
Elmer McCollam
McCausland, IA
Call me today at 877-743-0110 so YOU can start saving today!
Steve's “No Nonsense” Approach to Home Financing Saved Me Big $$$!
“Boy, I’m really glad I saved the letter Steve sent me in the mail because he really helped me when I needed it.”
“I didn’t even realize it- but the mortgage I had on my house had an adjustable rate. The rate had already gone up by 1.5%, and was sure to keep going up. I sure wish the last Lender I worked with would’ve told me this.”
“Thanks to Steve, I was able to lock in at a FIXED rate that’s 2.7% lower than what I was paying. This will easily save me thousands of dollars over the next few years!”
“But here’s what I like best of all. Steve made the whole process a ‘breeze.’ It was nice to work with someone that ‘knows his stuff.’ He kept me informed while my loan was getting approved. And he didn’t keep ‘bugging’ me for additional information. He asked me for everything I needed up front. That was nice! And it saved me ton of time and hassle.”
“Well, Steve, I can’t thank you enough for all of your hard work and the great results. I’ll definitely tell my friends and co-workers that you’re the ‘go-to guy’ when it comes to ‘no-nonsense’ mortgage financing. Good job!”
Sincerely,
Elmer McCollam
McCausland, IA
Call me today at 877-743-0110 so YOU can start saving today!
Tuesday, December 12, 2006
How To Literally Cut Your Bills In Half!
Check out this story from one of my happy clients...
“Why Doesn’t Anyone Tell Us these Things?”
“Steve found us a great, low payment home loan program with a low FIXED rate. We couldn’t be happier!”
“Recently, Mike & I decided we really needed to pay off our mortgages and clean up some credit card balances. But we had no idea we could do all that and still lower our monthly payments so much. Yeah…we lowered our monthly payments by $797.47 PLUS came home with $2,552.23!!”
“I have to say- Steve really did a great job for us. Everything on our loan went through without a hitch. Oh, and one last thing! Steve assured us there wouldn’t be any last minute surprises or costs or anything. And there weren’t! In fact, the final paperwork reflected the exact program- terms and everything- Steve said we were going to get. We REALLY appreciated that!"
“Well, thanks again Steve for all the help and the Great End Result! We’ll be more than happy to recommend you to our friends as well. Job well done!”
Mike & Tammy Collins - Blue Grass, IA
Would you like to by my next success story?
If so, give me a call at 877-743-0110 for your FREE Homeowner Loan Review.
Until next time, Have a wonderful day!
Sincerely,
Steve
Monday, December 11, 2006
Let Me Know What You Think...& Get a FREE Gift!
If you could save $200 or more a month on your bills, & save thousands over the life of your loan, would you be interested?
If you provide the answer to this & a couple other brief questions, I'll send you a FREE gift for taking a quick minute out of your busy schedule!
Click here to take my brief survey & claim your FREE gift.
Thanks in advance!
Steve
email me at stephenfischer@fcmortgage.com for more info.
If you provide the answer to this & a couple other brief questions, I'll send you a FREE gift for taking a quick minute out of your busy schedule!
Click here to take my brief survey & claim your FREE gift.
Thanks in advance!
Steve
email me at stephenfischer@fcmortgage.com for more info.
Sunday, December 10, 2006
Give Yourself a $3,353.88/year Pay Raise!
3, 2, 1...Blast off! Here we go!
So. Tell me. How DO you do it?
Can you really give yourself a pay raise?
If you own your home- you can.
Just check out this story from Jim, one of my good
friends & long-time clients, for an example...
“I know Steve pretty well. I’ve been dealing with him for a couple of years now. When it came time to look into refinancing the loan on my house, it was a ‘no-brainer’ for me to give Steve a call right away.”
“My last Lender never told me, but I finally found out. The home loan I had was the kind where the payments could start going up after a few years. Lately, my payments were going up left and right!”
“Apparently, my situation was the kind Steve works with a lot because he came up with a new lower payment home loan on a FIXED rate. It really worked for me!”
"Well, here’s the best part: Steve was able to lower my monthly payments by $279.49 per month! This saves me $3,353.88 a year! To me, this is like getting a $1.61 an hour pay raise from my boss at work! Imagine, being able to have an extra two hundred and seventy-nine bucks of NET income added to your budget every month! What would you do with the extra money? ME? I plan to take the savings and put it into increasing my retirement fund.”
“I like dealing with Steve because he’s a ‘straight shooter.’ He’s a No B.S. kind of guy. He tells me the truth on everything, the good and the bad. Yeah, we had some challenges to overcome on this loan. My bathroom needed a little work done to it to get the appraisal to pass the Lender’s guidelines. Steve told me right away exactly what we needed to do to get the loan approved by the bank. I finished the work to the bathroom & Steve was able to get the loan approved immediately after that! Thanks again Steve for the hard work and the great results!”
James Morgan - Steel Worker - Moline, IL
Would you like the same (or even better) results?
Give me a call today at 877-743-0110 or email me at:
stephenfischer@fcmortgage.com
Until next time...
"Live long & propser!"
So. Tell me. How DO you do it?
Can you really give yourself a pay raise?
If you own your home- you can.
Just check out this story from Jim, one of my good
friends & long-time clients, for an example...
“I know Steve pretty well. I’ve been dealing with him for a couple of years now. When it came time to look into refinancing the loan on my house, it was a ‘no-brainer’ for me to give Steve a call right away.”
“My last Lender never told me, but I finally found out. The home loan I had was the kind where the payments could start going up after a few years. Lately, my payments were going up left and right!”
“Apparently, my situation was the kind Steve works with a lot because he came up with a new lower payment home loan on a FIXED rate. It really worked for me!”
"Well, here’s the best part: Steve was able to lower my monthly payments by $279.49 per month! This saves me $3,353.88 a year! To me, this is like getting a $1.61 an hour pay raise from my boss at work! Imagine, being able to have an extra two hundred and seventy-nine bucks of NET income added to your budget every month! What would you do with the extra money? ME? I plan to take the savings and put it into increasing my retirement fund.”
“I like dealing with Steve because he’s a ‘straight shooter.’ He’s a No B.S. kind of guy. He tells me the truth on everything, the good and the bad. Yeah, we had some challenges to overcome on this loan. My bathroom needed a little work done to it to get the appraisal to pass the Lender’s guidelines. Steve told me right away exactly what we needed to do to get the loan approved by the bank. I finished the work to the bathroom & Steve was able to get the loan approved immediately after that! Thanks again Steve for the hard work and the great results!”
James Morgan - Steel Worker - Moline, IL
Would you like the same (or even better) results?
Give me a call today at 877-743-0110 or email me at:
stephenfischer@fcmortgage.com
Until next time...
"Live long & propser!"
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