| The "Easy 4.5% Home Refinance Program" is helping | | | | An estimated 9 million home owners are saving |
| millions to refinance a home mortgage with new loans, | | | | hundreds of dollars every month with one of the many |
| loan modification, or debt consolidation. This may be | | | | new Stimulus Packages created for our economy. |
| your time to jump in! | | | | Take advantage of the offer. But be aware of greedy |
| But how can you be sure? | | | | lenders standing by to dip into your wallet without |
| The uncertainty of: "Can I really save money if I | | | | performing their fast-talk promises. While most are |
| refinance?" ... "How do I know what I can afford?" ... | | | | honest, there are always a few who do not have your |
| "What will my payments be if I do this plan instead?" | | | | best interests at heart. |
| will disappear when you are armed with knowledge. | | | | Find out for yourself how much you are able to |
| Knowledge is Power. Take charge of your finances. | | | | comfortably borrow. Be armed with workable limits |
| Take charge of your life. | | | | and ideas. See the effects of a 15 year versus a 30 |
| Experience a more confident feeling of being prepared | | | | year mortgage using your numbers. See the savings |
| BEFORE the first meeting with a Loan Officer or | | | | of a bigger monthly payment versus stretching out the |
| Mortgage Broker. Use of one the new tools to simply | | | | timeframe. You are in control. |
| plug in YOUR numbers and see the bottom-line | | | | But you ask "How do I know if I'm eligible?" for |
| payment schedule. Fun, easy, and enlightening. | | | | Obama's Special Home Loan Modification plan. OK, for |
| Know your limits but explore the possibilities. | | | | example: |
| There are so many things to consider during this | | | | * Did you have a mortgage before Jan 1, 2009? |
| daunting task and with so many people shoving forms | | | | * Is your home mortgage less than $729,000? |
| in your face, it's easy to get overwhelmed. I know | | | | * Is your home owner-occupied? |
| what it feels like when creative money managers try | | | | If you answered "Yes" to those questions, then |
| to stretch my wallet past the breaking point. I finally got | | | | explore your options before the game rules change. |
| mad and said "No more!". | | | | Choose a safe risk-free online site, where no |
| No more feeling like an "underdog" while speaking to | | | | salesmen will call (until you request contact) to |
| an Loan Officer. Many tools are provided for you but it | | | | compare savings. I have played in several and |
| is up to you to use them. One of the easiest I've used | | | | recommend the easiest one to use. If you decide to |
| (and can vouch for) is the best mortgage refinance | | | | go to the next step, only then do you fill out a form to |
| calculator mentioned below. It's done Online with no | | | | be contacted ... but not until YOU are ready. |
| obligation, no forms to complete, no pressure. My kind | | | | I've learned "What I don't decide to control, will soon |
| of research! | | | | control me!". At least plug in and check out your |
| Check the numbers yourself and test your options for | | | | options. Perhaps it can add more peace in your life, |
| the many different plans offered in the marketplace | | | | knowing alittle extra power was placed in your hands |
| today. | | | | today. |