Here Is The Report You Requested
How To Escape the Debt Rat-Race And
Get Debt-Free, Fast.....
How To Escape From Financial Prison
Including:
Important Information About
Your Home Mortgage
Dear Friend,
Thank you for accepting to receive this Report: A How To Escape The Debt Rat
Race And Get Debt-Free Fast.” My name is Bob Walker, and I am a home mortgage
cost reduction expert.
Most of us live in a “financial prison” because even though we do live in the
greatest country in the world, even people with good incomes, who are buying
their own homes, wind up with “ financial prison” instead of “ financial
freedom” - mostly because of what bankers and credit card companies never tell
them - and hope you never to stop think about.
This report is for homeowners with a good income, who pay their bills and would
like to be debt free and retire wealthy someday. This report is a rather long
letter. It’s lengthy because it is a compilation of years of working and
constant thinking of debt and how to get rid of it in the quickest, most
painless, yet effective manner. I have helped many homeowners, like yourself,
become debt free sometimes in less than 5 years by showing and helping them
restructure the way they pay their bills and spend their hard-earned dollars.
People are paying too much interest and staying enslaved to debt when there are
“financial secrets” that could give them freedom from debt fast.
JUST FOR EXAMPLE: “Because of my recent divorce and the credit
card debt that went with it, Volunteer researched all my refinance options and
found a lender that could use the equity in my home to pay off that debt, along
with giving me some extra cash to continue my remodeling efforts. Volunteer was
able to reduce my monthly bills by almost $300! Because of the credit problems
associated with my divorce, I will be refinancing with Volunteer again in a few
years to lower my interest rate.”
C.
Flynn Harriman, TN
Make Extra Money Every Month Without A Second Job
Here’s a way to get $200.00, $300.00, maybe $500.00 of new, extra spendable cash
in your pockets every month without working another job, without starting a new
business, without risk or cost, just by doing what you’re doing now...making
your house payment PLUS you’ll get out of debt faster. It will take you about
fifteen minutes to read this entire report to learn how you too , like thousands
before you, can escape the debt rat race. You responded to our ad for a reason.
The motivation most likely came from either frustration at how hard you work
versus how much it costs to stay on top of your bills (if you’re like most, you
probably even feel you are not making the kind of money you are worth), and/or
you sense you are nowhere close to ever having anything paid off, that your debt
is like that bunny on TV, it keeps “going and going and going...”, or like that
one man who died, never having paid off his Sears card his whole life.
Over the years I’ve dealt with nice folks from all walks of life and I’m proud
to say I was able to help many of them find money to solve their money problems.
Some were a little skeptical at first because they thought you had to have good
credit, never a late payment on a mortgage, have lots of equity, and be able to
prove their income in order to consolidate their debt so that they could get
everything paid off faster. And that’s generally the case at a bank. You simply
can’t walk into a bank and get a loan on your house if you’ve had credit
problems or if your debt ratio is too high or if your income can’t be verified
or if you’ve had a bankruptcy.
That’s the reason I’m in this business. I simply believe that people should be
able to use the best form of collateral they have, their home, even if they’ve
had some problems in the past. Equity or not, you should be able to use your
home to improve your financial situation. And why not? We’ve worked hard to own
our homes. Why not let our homework for us. Let me show you how.
Let Your Home Work For You: It’s A Lot Easier Than You Think!
Let’s look at some of the situations I’ve run across in the past and you see if
any of them relates to you. Do you need...
# To get yourself out of debt fast?
# To lower your monthly payments?
# Money to get your house in shape so it can sell?
# Money to do repairs that have been neglected but can’t wait much longer?
# Money to pay back taxes?
# To put a child through college?
# To consolidate debts so your total monthly payment is smaller?
# Money to make a down payment on a new house while waiting for yours to sell?
# Money to buy a car or other vehicle because you can’t get bank financing?
# Money to take a long-awaited vacation while you can still enjoy it?
# Money to cover funeral expenses of a relative or friend?
Are you anywhere on this list? If so, keep reading because there is nothing
stopping you from joining the ranks of our satisfied customers--except your
willingness to act.
But before you begin your journey into becoming debt free fast, let’s look at
what banks, mortgage companies, credit card companies, and financial advisors
either don’t tell you, or don’t know.
10 Little Known Facts Your Creditors Hope
You Never
Find Out or Understand
1. How Much Equity You Have In Your Home. What a guarded
secret this is among bankers! How is it determined? You probably have more
equity in your home than you think. I can help you determine and maximize what
equity you have in your home. Different companies use different methods, you
just have to be “in the know.”
2. Bad Credit Stays On Your Record For 7 Years. This is true, but what
most people don’t know is that there are programs out there that only review the
last 12 months worth of credit! They totally disregard ANY late payments before
that, even mortgage payments! But you better know who.
3. 125% Home Equity Loans. You see ads for them all over the television.
What most don’t know is that they are NEW, and VERY MISUNDERSTOOD. Most
financial planners and CPA’s don’t understand how these loans work. I do! And I
can teach you to understand them and determine if it’s the right option for you.
4. Don’t Refinance If You Can’t Drop Your Rate At Least Two Percent.
Simply put...NOT TRUE!!! Debt has become much more complicated than a mortgage
and possibly a car payment. This rule may have worked ten years ago, but
nowadays, it’s just one of over a hundred reasons why we should refinance now
more than ever.
5. New SPECIAL Low Rate Credit Cards Are A Disaster. This is why. Teaser
rates go up after just a few months. Then you’re right back where you were, or
worse. Many people pay off one card with one of these new ones, but then still
have the need to charge on the old one. As a result, they now have two credit
cards with balances, resulting in more debt than they had originally with just
the one higher-rate card. And it can still take you over 30 years to pay off a
credit card with an average balance of $3900 if you make the minimum payment
every month. Also, interest rates can go up on these offers if you make late
payments. What a deal, huh? I do not encourage credit cards at any interest
rate. Your bank doesn’t want you to pay them off (they’re BIG money makers for
them).
6. It Doesn’t Take Money To Save Money. You can start toward becoming
debt free without taking one cent out of your pocket. Most loans require
out-of-pocket fees, up front. But there are plenty that don’t! In fact, in most
of the loans I’ve made for homeowners, they didn’t even have to come up with
cash to pay for an appraisal.
7. Working With A Mortgage Broker Will Save You More Money Than You Could
Save On Your Own. We constantly think that no one can do a job as good as we
could do it ourselves. Yet, you know that’s not true. Stick to what you do best,
and let me be the best at what I know better than anyone. If I can’t help you
save a ton more money than what it may cost to refinance, than it’s simply not a
good deal for you and no one would expect you to do it!
8. Anyone Can Accelerate Their Mortgage Payments...And This Equals Saving
Lots of $$$. Just think, if you can save a couple hundred of dollars per month
by consolidating your bills through refinancing your mortgage, you can then take
that savings and get out of debt even faster by “accelerating” your payments. I
can show you how. Fewer than 1 in a 100 ever take advantage of this incredible
money-saving technique because they don’t have extra money leftover after paying
bills each month. Well, if I can save you money by helping you consolidate, I’ve
just increased your income...and now you have a little extra to help you along
the way! I can show you how whatever extra money you can pay on your debts will
shave years off of the payback and save you thousands! In turn this savings can
be used for you to earn interest, instead of you paying interest.
9. You Can Be Debt-Free By The Time You Retire. You can even have a
retirement savings plan set up with the money you will be saving each month. Let
me “help you help yourself” and your loved ones enjoy what should be the “best
years of your life.” Retire with money, not bills and a job search.
10. You NEVER Have To Be In This Situation Again. Let me show you how you
can:
a. Pay off and toss your credit cards in the back of the sock drawer forever!
b. Utilize one bank draft card for convenience sake
c. Keep one credit card for emergencies
d. Accelerate your payments from money your loan frees up
e. Take advantage of rate reduction opportunities with your new mortgage
company if rates drop in the future
f. Pay off your car
g. Have extra cash in your hand IMMEDIATELY
h. Have savings in the bank
i. Have your mortgage term shortened (EQUALS SAVINGS)
j. Lower your interest rate on your mortgage
k. Cut your outgo in half or more
l. Retire early
m. Skip next month’s bills
n. Have no more sleepless nights worrying about how to pay your bills
Now, You Might Have Some Questions Of Your Own. Here Are A
few Questions I Had On My Mind When I First Discovered This Opportunity To
“Escape The Debt Rat Race”...
How Do I Qualify? If you own a home, the first thing we
do is determine what it’s worth. There are both equity and no equity programs.
Let’s see where you fit. Don’t let this one fool you. You may think your house
is worth less than it really is, especially if you’ve lived in it a long time.
Complete the Debt Analysis Worksheet at the end of this report or call my
office and I’ll do a quick market analysis for you. It’s free! You can’t
determine the value of your home by the tax assessment. It’s almost always way
low or over-assessed.
The number of years you have been paying cannot determine your equity. If you
have a 30 year loan and you’ve been paying 10 years or more, the chances are you
owe less than half the value of your home. Inflation may increase the value and
unless you keep up with it, you really won’t know your true equity until you
call and get a free market analysis.
Credit and income will also be analyzed. We look at where you are the strongest
and work with that to get your loan approved fast.
How Long Does It Take? Most loans can close within 10 business days. The
loans I have found to fit the majority’s needs require less paperwork, and are
far less time-consuming than the ones you might find at a bank. It simply
doesn’t take long. The biggest time guzzler is generally the homeowner
himself...procrastination, laziness, failing to get the necessary documentation
together...these are usually what prolongs the process. Ninety percent of every
dollar you pay on your bills goes toward interest. Let’s hurry so we don’t pay
it anymore! Keep reading to find out the different options you have to expedite
getting pre-approved for a “Get Debt Free” loan. Once we have the basic facts
and have verified the property value, we order funds and set up a closing. The
whole process usually doesn’t take any longer than two weeks.
How Much Does It Cost? The cost is really next to nothing because if you
don’t do this, you will end up paying more than you think. There is no simple
answer I can give you on cost because it’s on a case by case basis, and it
depends on the source of the funds and the type of loan. Yes, depending on your
equity and credit situation, the rates may be higher than the bank is charging,
but not unreasonable. I think you’ll discover the rates are fair, especially
since our loans are easier to qualify for. We can even tell you how to possibly
get your rate lowered in the future, depending on how you pay your new loan.
In many cases we’re able to get lower rates for those borrowers who can
minimally qualify. In ALL cases we will work to get you our absolute best
possible program that comfortably fits your needs.
By the way, there will never be any up front fee, and you’ll never pay me a
nickel if I can’t get you a loan. I only get paid if I produce. That’s why I’m
on your side. All our charges are deducted from the loan and you’ll receive a
cost sheet upon application (later in this letter are some SPECIAL Bonus offers
to save you even more money). No secrets and no hidden charges. Once I have the
facts surrounding your situation, I’ll know the costs and so will you. No
surprises!!! PROMISE!
Hurry, ACT NOW. Let’s try to skip next month’s bills. YOU keep your hard-earned
dollars. Not them, YOU!
You Pay Nothing Up Front
And You Owe Nothing Until You Get What You Want
...And You Must Be Satisfied, If Not,
Just Say, NO!!!
Please read on...
Listen To Some Satisfied Customers On Their Way To Becoming Debt-Free...
Want to hear what some of the folks who are using the
information have to say? I thought you’d like that. Here are some of the
testimonials from homeowners who now know the INSIDE SCOOP. They took the giant
leap and haven’t looked back since. As you can imagine, I get plenty of
inquiries every week. I wanted to give you additional proof that this does
work!. It’s working for these people and it can work for you. Remember, you have
nothing to lose by trying us out. Here’s some of the feedback we have gotten:
“I fell behind on my mortgage payments and they were going to foreclose on my
home. Volunteer refinanced both my first and second mortgage, paid off all my
credit cards, two years back taxes and an outstanding judgment. Volunteer
negotiated with my creditors and saved me an additional $3400. My own
procrastination almost cost me my home! I cannot say thank you enough to the
staff at Volunteer”.
R. Davidson Rockwood, TN
“Volunteer consolidated all of my debts into one monthly payment. The 700-800
dollars saving per month was substantial. My loan was closed in a timely fashion
and the staff was very professional. Starting with a clean slate sure makes life
easier!”
Michael Burnette Knoxville, TN
“Volunteer was able to do what I thought couldn’t be done. They were able to
lower my payment which allowed me to reorganize my budget. Everyone was helpful
and concerned about taking care of me. Because of my busy schedule, Volunteer
handled the majority of the details for me. Once again, Thanks”
Stacy Solomon Corryton, TN
“When I got out of the Army no one would give me a loan so my father borrowed
the money for me. Although I made the payments, no credit rating was being
established in my name. Volunteer took my information and showed me how build
credit lines that worked to improve my overall credit rating. I was soon
approved on a new loan that consolidated my land and home into one payment. They
understood my problems and really helped me. My bank could only say, Sorry!”
Wayne Minor Knoxville, TN
“Volunteer saved my wife and I $365.00 a month! Refinancing allowed us to
consolidate our bills, lower our rate, and also receive $2,000 cash in hand. I
was initially concerned that it would be hard because of some past credit
issues, but it was a very smooth process, not requiring a lot of paper work.
Thanks.”
Larry Styles Knoxville,TN
These stories are not uncommon. In fact, the truth is there are a lot more
people who can’t qualify for the type of loan they need at a bank, than there
are those who can.
If you’re like any of these homeowners and thought you couldn’t get help, or if
you’re kept awake at night frightened that you will never get out of debt,
you’ll be pleased to know we have helped many folks find the solution they need.
Many were in a lot worse shape than these folks were or you may be, and had
given up hope until they answered the same ad you did.
I can’t promise you I can help, but if you’ll take a moment to look at the next
page, the FINANCIAL SOLUTIONS ACTION FORM, you will clearly see how easy it is
to begin your journey toward becoming debt-free. Once we review your situation
we’ll instantly be able to give you an answer.
If I feel I can meet your request (and I usually do), you’ll be given a cost
sheet showing your closing costs and everything must meet your approval or we
simply won’t do it.
You have no risk or obligation. So the quicker you respond, the quicker you’ll
be receiving funds and getting out of debt.
Again, congratulations on taking this first step toward financial freedom.
Thanks,
Bob Walker
Volunteer Mortgage Lenders, Inc.
P.S. If you’re ready to speak with someone now call Lorrie Graves at
1-800-894-8592 (865-588-7233 if local to Knoxville). If your get our voice mail,
please leave your name and number and she will get back to you ASAP!!
P.S.S. Just so you’ll know, I get no up front fees of any kind and you have no
obligation whatsoever. All costs are deducted from the loan and if for some
reason I can’t help, I won’t charge you a cent! So what’s to lose???