mortgage home loan

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"Why some people almost always
get the lowest interest rate
on their home mortgage loan... and
never pay too much
in points or "junk" loan fees!

home mortgage loan rates
Buying or Refinancing Your Home? 
Don't even think about getting a
First or Second Mortgage Loan until you read this!


"Excellent for first time buyers, move-up buyers or refinancing. I cannot recommend it highly enough - this should be required reading for anyone who wants to get a loan."
M. Klinger, Real Estate Broker
Aventura, FL

If you want a mortgage loan with the lowest rate... 
for the lowest points and fees...
here's exactly how you do it!

From the Desk of Jim Edwards

Dear Loan Buyer,

(that's right - you will "buy" your next loan)

If you want to avoid the schemes and tricks mortgage brokers use to "gouge" you for extra fees and "points", avoid the common mortgage shopping blunders people make everyday that cripple them financially over 15... 20... even 30 years, or if you just want manage your mortgage to build financial security rather than sell yourself into financial "slavery" for 30 years- then this might be the most important letter you ever read.

Here's why:

  • Most people don't know how to shop for a mortgage!

    • Here's how most people shop for a mortgage - (sound familiar?)

      They call a few lenders and ask what the rate and points are. That's it!

      They have no clue what questions to ask about "points", fees, interest rate "lock-in" periods, closing costs, "pre-paids", and more. 
      They're like lambs to the slaughter by a pack of hungry wolves!

  • The "system" is stacked against you!

    • Mortgage lenders make their money based on how much money you borrow and the points and fees they can get you to pay. 

    • The more money you borrow and the higher fees you pay... the bigger their paycheck! It's human nature -- they will make you pay as much as they make a bigger commission!

  • Mortgage companies will "gouge" you for extra fees!

    • Not too long ago some mortgage companies were fined over $8,000,000 (Million!) dollars in a single year for overcharging thousands of borrowers who didn't know how to shop for a loan (source: U.S. Dept. of Justice)! 

    • Those lenders abused borrowers and took thousands of dollars extra out of the borrower's pockets for one simple reason - they knew they could get a way with it! 

    • Sometimes they'll just get you for a little $300 fee here or there - other times they'll stick it to you for thousands in extra interest charges and you may never know it until too late!

    • My question is - if those companies are the one's getting caught.. how many more do you think are gouging borrowers just like you and getting away with it?

And this is just the tip of the iceberg...

FACT: Every year thousands of people screw up the mortgage shopping process.

They get the wrong loan at the wrong price and pay for it dearly until they're old and gray. 

Here's what I mean...

If you overpay for the house, you will get stung for some money and learn a valuable lesson. If you overpay for the mortgage in interest rates, points, fees or other costs, you will pay for your mistakes EVERY month for the next 30 years! 

FACT: Everybody worries so much about the house that nobody ever gives very much thought to the loan. 

It's the loan that costs you month after month - not the house. Yet virtually nobody gives more than a passing thought to the financing!

FACT: When I protested over the outrageous charges some bankers were bilking out of unsuspecting borrowers I had a manager tell me there was a code of silence among mortgage people about all the extra fees and points - his exact words were "honor among thieves." 

Well I say "No More!"

But I'm getting way ahead of myself...

Ex-Mortgage Banker breaks "Code of Silence"

Whether it's a new loan, refinancing or a home equity loan -  I am going to take you by the hand and teach you step-by-step how to get a mortgage loan without getting ripped off in interest rate, points and "junk fees"... then I'll show you how to manage that loan and all the insurance and tax costs so the loan actually sets you free financially! 

Now, that's a tall order and I know you're probably skeptical. That's normal and healthy. Let me give you three good reasons I can back up what I claim:

Why should you listen to me?

Reason one: Did you know that many mortgage brokers can (and will) charge you so much extra in points an fees that they actually make more money than the realtors -- who charge 6%!?!

As a 10+ year veteran of the mortgage and real estate business I have seen things that would make most people roll their eyes back in their head in total disgust! I've seen mortgage brokers charge buyers more points than necessary just to make a higher commission. 

Sad but true......

Buyers and homeowners just like YOU being charged Thousands of dollars extra because of their ignorance! 

People just like your neighbors have been taken advantage of because they just didn't know any better! 

I got into the mortgage business to help people... not to take advantage of them. I got so steamed up about it I decided to literally go on a crusade and do something about it. 

That's why I developed my program "The TEN Dirty Little SecretsTM of Mortgage Financing" - I got sick and tired of seeing people just like my own mother and father get taken to the cleaners by unscrupulous money lenders!

Reason two: The lessons and methods you learn come straight from the front lines of the mortgage business. Someone who has actually been there... an 'insider'... teaches you the facts quickly and easily so you can take action!

Having worked in the mega market of Miami, Florida as well as in the upscale community of Williamsburg, Virginia - I have seen over 1000 real estate, refinancing and mortgage transactions get to the closing table... I have seen and financed with every type of loan imaginable - VA, FHA, Conventional, JUMBO, A.R.M.'s, Step, Bridge, 3-5-7-10 Balloon, 100% financing, 125% financing, Owner Financing, Reverse mortgages... I've BEEN THERE - DONE THAT and brought home the T-shirt! 

The information in this program has helped literally THOUSANDS of people just like you to understand, evaluate and exercise their BEST OPTIONS in getting a mortgage loan and buying a home! 

You get all my experience from thousands of transactions boiled down into one, simple-to-understand, easy to use program for getting virtually the lowest mortgage rate with the lowest points and fees possible in the current market. 

If you are at all intimidated or unsure about the mortgage process - if you don't understand how to evaluate your options in getting a mortgage loan this program will help you feel comfortable that you are making the best decisions for yourself and - more importantly - your family's long-term financial well-being!

Reason three: It doesn't matter what type of loan you get... this information works !

Whether you are re-financing, getting a home equity loan or buying a brand new house... I don't have anything to gain financially by which mortgage option you choose as a result of my advice in this program. 

That is always something that ticked me off about some mortgage brokers. 

Even if it wasn't done consciously their advice always seemed to come back to the rate and points that would make them the most money - not what was best for the client! 

Packing on the points or padding the interest rates because the buyer or home owner supposedly has "bad" credit or "too much debt" or "is a poor risk" is almost common practice.

And one more thing...

Now the buzzword around mortgages is "credit scoring" - a number that rates your overall financial "worthiness" to get a loan. Some lenders require certain scores in order to get the best interest rates... but some use these scores as an excuse to charge you a lot more money in points and interest for reasons that nobody without a computer science degree could understand!! 

Because of this and other pitfalls... you must learn the secrets revealed in my amazing and shocking program - 

The TEN Dirty Little SecretsTM 
of Mortgage Financing

Here is a summary of the fantastic benefits you receive in this breakthrough mortgage program

  • The Seven (7) most important questions to ask any lender.
    • Learn to ask the questions that put lenders on the spot and keeps them from using "smoke and mirrors" to confuse you into spending more money. 
  • Simple but very powerful techniques to avoid overpaying tens-of-thousands too much in mortgage interest.
    • Keep more money in your pocket and out of the bank's hands over the long-haul... unless you like giving all your money to the bank. 
  • Learn the most VALUABLE negotiating tool you have as a buyer.
    • Have the same power in negotiations as a buyer who is paying CASH. By taking this step you will ALWAYS negotiate from a position of POWER with any agent or realtor you deal with.
  • How to avoid being rushed by a lender into making a loan choice you may regret for the rest of your life.
    • Most lenders want you to make up your mind and lock in your rate so you won't shop around on them. They are motivated to make you "hurry up" so you can't go anywhere else with your loan. Learn how to avoid this common practice.
  • How to choose a motivated lender instead of the "loan shark" or the "traditional banker".
    • Learn to quickly identify which lenders want to lend money at competitive rates and which ones either want to bilk you out of every last cent or could care less whether your loan ever closes!
  • Do you know how much is the right downpayment for you?
    • The answer may surprise you when you find out how various downpayment amounts affect your monthly payment AND the private mortgage insurance you pay!
  • How to save $10,000's in needless interest once you do get a loan.
    • Making your payments the way the bank wants you to will leave you dead or dead broke at the end of 30 years. This simple technique will save you BIG in extra interest payments you won't have to make. Best of all - it's completely legal if you know how to do it!
  • Why making decisions emotionally can haunt your retirement years.
    • I'll guide you step-by-step through the mortgage process so you make decisions based on fact and not emotions. By the time I get done with you - you'll probably know as much or more about mortgage loans as the banker sitting across the desk from you!
  • Why getting Pre-Qualified for a loan isn't worth the paper it's printed on!
    • Most lenders, bankers and realtors will tell you to go get pre-qualified - but that is one of the biggest mistakes you can make. If you go get pre-qualified you might as well just hand over your wallet to the banker and say "Here, take all my money at closing!"
  • I'll show you the right way to shop for a mortgage loan and exactly what questions to ask! 
    • Why shopping for a loan just on the basis of interest rate and "points" can kill you financially. Most people just call a few banks and ask what the rate a points are... but if you do this you might as well step out in the road and get hit by a truck. 
  • How to compare one lender's mortgage offer against another's!
    • Most lenders don't want you to be able to compare apples to apples with another lender. They slide in fees, points, and other costs like hustlers on street corners. I'll show you how to compare "apples to apples" between lenders so you can easily choose the best deal!
  • The absolute "bullet-proof" way to choose which type of mortgage loan is right for you!
    • I'll guide you through the process of determining which type of loan is best for you. Fixed, Adjustable, Step, Balloon... it doesn't matter. I'll show you exactly how to choose based on your needs - not the lender's!
  • The one question to ask your accountant so the tax benefits from your loan comes immediately... not next year!
    • You could be making an interest-free loan to Uncle Sam with all the tax savings from your loan. I'll show you how to work with your accountant so you can enjoy that savings NOW!
  • The absolute "crime" of paying on your 30 year loan for 15 years only to find you've paid off less than 25% of the principal - and what to do about it (besides get mad)!
    • Most people never stop to consider how they pay the loan... they just make the payments every month. However, once you see another way to pay your loan you'll never go back to the "old" way again. 

Now, you're probably wondering how and why I can do all those things.

Let me explain...

In the The TEN Dirty Little SecretsTM of Mortgage Financing you get an hour and a half audio seminar that teaches you:

  • how to get the lowest rate mortgage for the lowest fees and points in the current market...

  • how to deal with lenders...

  • all the questions you need to ask them...

  • how to choose the right mortgage program...

  • how to compare costs...

  • the decisions you need to make...

  • the problems you will face...

  • ... and a whole lot more!

In addition to the hour and a half audio seminar where I guide you step-by-step through the entire process and point out all the potential pitfalls you may encounter - You also get a the manual packed and to the point with exercises, examples and illustrations of the points you need to understand and consider in getting the lowest rate loan for the lowest fees and points available in the current market! 

The workbook, the software, and the 90 minute seminar are downloaded digitally from the Internet - so there's no waiting - you could be benefiting from this breakthrough program within 5 minutes! 

I will also guarantee that you several incredible Bonuses at no extra cost if you act NOW!

More on that in a moment - but first you should read what our customers have to say....

"We got our loan in two days and I KNOW we got the best rate and terms possible - because they were lower than 3 other lenders told me I could get. I even had the loan officer tell me he had never had a borrower ask him these questions and compliment me about how much I knew. He actually asked me if I'd been in the mortgage business!"
A. Goss, Williamsburg, VA

"The only negative about the program is that most people will never realize how much they needed it until it is too late! Most people will pass right over it - and some day look back and wish they had bought the program. I've been building and financing houses for 40 years and I have never seen such a clear and concise explanation of the right way to get a loan and avoid all the tricks I've seen bankers pull over the years. Anybody who is even thinking about getting a loan better buy this program as fast as they can."
E. Cassilly, Real Estate Developer, South Florida

"I have used the techniques in this program to save 10,000's in interest on my own mortgage. I learned things I had no clue about and could kick myself looking back. First time buyers and anyone who feels like they got screwed on their last loan should get this program. Accountants and engineers especially will like it because it has so much great information in a compact and complete format!"
G. Gilley, Toano, VA

"I have bought, sold and financed dozens of houses as an investor. I can say without a doubt that just some of these techniques would have saved me the thousands of dollars I obviously wasted over the last 25 years! I will never buy or finance a house again without first reviewing Jim's program so all of his excellent tips and advice are fresh on my mind and on the tip of my tongue when I start dealing with these bankers." 
H. Kelly, Real Estate Investor, Williamsburg, VA

Warning: Do NOT get a mortgage unless you KNOW the answer 
to ALL of these questions...

There is a lot of confusion surrounding mortgages and real estate loans. 

I want to give you 6 questions you absolutely, positively must have the answer to before you sign up for any type of mortgage:

Before you pass over this program lightly as something you don't really need or don't have time for... ask yourself these six questions: 

  1. Do you know how to tell if a mortgage broker is telling you a rate over the phone just to entice you into their office... or can they really deliver what they promise?

  2. Do you know how to compare various lender's offers "apples to apples" or are you at the mercy of people who know more than you do -- and who want you to spend your money?

  3. Do you know exactly what to do in order to cut 10-12 years of interest off your mortgage - safely, legally and without even breathing hard?

  4. Do you know how to cancel paying PMI? (Do you even know what "PMI" is?)

  5. Do you know why getting "pre-qualified" is just a waste of time... and can actually hurt your ability to negotiate with a seller?

  6. Do you know the 7 questions to ask any lender to make sure they aren't just using "smoke and mirrors" to get you into their office so they can "get you down on paper"?

You get at least 10 times your money's worth!

How can you put a value on this critical information about the right way to get a mortgage loan and not make a mistake? 

Let's look at the BIG picture... 

Even at today's interest rates you will probably spend at least $100,000 in mortgage interest over the life of the loan - not to mention the original principal you have to pay back. 

You'll most likely spend between $2,500 - $6,000 in closing costs on your loan.

You'll probably spend $700 - $1,600 in "pre-paids" - taxes, insurance, interest.

You'll shell out $275 - $350 in credit report and appraisal fees. 

You tell me... 

How much is it worth to you to spend all that money with 100% assurance and peace of mind that everything is going as planned and you aren't paying a dime more than you have to? 

How much is that worth to you?

In summary, here's what you get:

  • Instant access to this amazing information - no waiting for the mail!

  • The complete The TEN Dirty Little SecretsTM of Mortgage Financing manual to download plus some great BONUSES for acting NOW!

  • You get the hour and a half seminar accessed online ... guaranteed to turn you into a "pit bull" mortgage shopper! And by the way - don't worry about listening to the tape online... it's as easy as listening to mp3 music! - my grandmother can even do it.

Act immediately and receive the following incredible bonuses

Since I know it's 100% to your benefit to act right away, I want to sweeten the pot and give you every possible reason to say YES today! If you respond immediately, you'll also receive the following bonuses:

FREE Bonus one:

Complete Real Estate Calculator Software Package - this software calculates payments for various interest rates, loan amortizations, bi-weekly payments, "Good Faith" closing cost estimates, refinance savings calculators and more! 

Comparable software packages sell for as much as $69.95 - but this power-packed, easy-to-use software package is yours free just for giving our program a try Risk-Free for 60 days! 

FREE Bonus two:

BONUS Secret: How to Cancel PMI - besides taxes and insurance, PMI is the largest monthly expense most people have on their monthly payment (between $300 and $1,200 per year on a conventional loan). I'll show you exactly how to safely and legally cancel paying PMI as fast as possible - imagine what you could do with all the money you will save.

FREE Bonus three:

BONUS Secret: How to get the lender to pay some or ALL of your closing costs- That's right - I'll show you how to get the lender to pay some or all of your closing costs so you don't have to pay so much cash at closing! Imagine - some lenders have offered loans where the total closing costs only come to $99 or less!

FREE Bonus four:

All my BONUS SECRETS, including: 

  • Home Warranties - Insurance worth Buying

  • No-Cost Refinances - Short-term heaven... or long-term hell!

  • Clean up your credit without getting ripped off by "Credit Repair" companies

  • Your "Credit Score"... What is it? How can it hurt or help you?

You can't lose with my 100%,
ironclad, money-back guarantee

By the way, these bonuses are yours to keep even in the unlikely event you decide to take advantage of our ironclad money-back guarantee:

The risk is all on MY shoulders! 

Your satisfaction is assured through our no risk, you-can't-lose, 100%, no-questions-asked, iron-clad money-back guarantee. If for any reason, you aren't thrilled and satisfied with our product, just send us an email within 60 days and we'll refund 100% of your purchase price. No hard feelings!

Don't decide now! 

What I'm saying is don't decide now if the program is for you. Just get it and try it out risk-free for 60 days. If it doesn't do everything I say and more... 

  • if it doesn't show you exactly how to get the lowest interest rate for the lowest points and fees...

  • if it doesn't take you by the hand and walk you step by step through negotiating with lenders...

  • if it doesn't teach you exactly which questions to ask to keep from getting bilked out of unnecessary points and fees...

  • if it doesn't show you exactly how to shave years and tens of thousands of dollars in interest payments off your mortgage...

  • if it doesn't turn you into a confident "pit bull" mortgage shopper 

... then I don't want your money! 

I'll give you every penny of your purchase price back. You have nothing to worry about!

At the very least you get the free software that's worth more than your purchase price... at the very least you get special reports that can save you thousands of dollars in fees... at the very least you get all my BONUS Secrets - and at best you get everything I promise you and MORE! 

So you see - any way you look at it you're about to be a winner!

And here's the best part - I'm going to let you have all this for only $79... $39

WHY can I sell it for OVER 50% off? - Because I don't have to send you anything in the mail! There's no tape to mail, no manuals to print, no postage to pay. You access everything online right now! Since I can make the same amount of money at this price I just pass the savings on to you and we both win!

Here's how to order right now!
The TEN Dirty Little SecretsTM of Mortgage Financing

You get UNLIMITED and INSTANT access to the manual, 1 1/2 hours of audio, and all 6 Bonus Secrets online instantly! 

Once your payment is processed you will be taken to a page for instant download access to the information.

So go ahead - order now. In as little as 2 minutes you will be benefiting from the proven program that can literally save you thousands in fees, points, and mortgage interest!

I have Read and Agree to the Disclaimer and Terms Of Service.

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To your success,

Jim Edwards, Author
The TEN Dirty Little SecretsTM of Mortgage Financing
& "Selling Your Home Alone"


P.S. - If you are going to make a loan application soon - will you be prepared... or will you just "wing it"? Don't take a chance with your financial future. Get this program, read it and use it to get the peace of mind that you got the best deal possible in the current market!

P.P.S. I will only guarantee to hold the special $39 price for the next 
72 hours. 
Any time past that I could change my mind and put the price back up to $79... so act now!

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