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! :)
Saturday, March 31, 2007
Discover The 7 Little-Known Secrets of Reducing Your Debt Quickly and Easily
"I've decided to spill the beans and reveal the 7 secrets
that insiders like you can use to quickly and easily get
out of debt faster."
Call 1-800-882-1834, Ext. 2017
anytime, 24/7 for a FREE recorded message to
request a copy of this FREE Special Report.
This is a no-obligation community service.
that insiders like you can use to quickly and easily get
out of debt faster."
Call 1-800-882-1834, Ext. 2017
anytime, 24/7 for a FREE recorded message to
request a copy of this FREE Special Report.
This is a no-obligation community service.
Monday, December 18, 2006
“Wow! My Loan Went From Application to Closing in 18 Days!”
“Wait, It Gets Even Better.”
“I was able to pocket $6,112.04 in CA$H. AND I’m also going to Skip 2 House Payments!”
“Steve made this whole thing a breeze.”
“I was able to cut my monthly payments in ½. Steve was able to get my monthly payments lowered by $573.60 a month!”
“Steve even paid off my car loan- I’m getting the title back free and clear!”
“I’ll definitely be using Steve again in the future.”
“Do yourself a favor. Give Steve a call today & see what he can do for you.
I highly recommend it!”
Jamie Westerlund
Steel Worker
East Moline, IL
P.S. Why not become another one of my success stories?
Call me today at 877-743-0110.
Let's get started!
Have a great Monday! :)
Steve
“I was able to pocket $6,112.04 in CA$H. AND I’m also going to Skip 2 House Payments!”
“Steve made this whole thing a breeze.”
“I was able to cut my monthly payments in ½. Steve was able to get my monthly payments lowered by $573.60 a month!”
“Steve even paid off my car loan- I’m getting the title back free and clear!”
“I’ll definitely be using Steve again in the future.”
“Do yourself a favor. Give Steve a call today & see what he can do for you.
I highly recommend it!”
Jamie Westerlund
Steel Worker
East Moline, IL
P.S. Why not become another one of my success stories?
Call me today at 877-743-0110.
Let's get started!
Have a great Monday! :)
Steve
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.
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