Warning: Many Brokers and Lenders are Looking to Make More Money -- NOT Get You the Best Deal on a Loan!

If you are in the market for a new home loan, then this is information you need to save you thousands of dollars. In the home loan industry it is legal to hide and/or not disclose loan costs to consumers, yet it happens all the time. Don't let it happen to you!

Did you know that:

most home loan lenders charge a higher interest rate than you need to pay, costing you thousands of dollars over the life of the loan?
up to or over 70% of home loans today are done by mortgage brokers, who get paid for charging you a higher rate?
lenders pay their brokers and salespeople incentives for charging you a prepayment penalty?
realtors and brokers often work together, with realtors referring you to these brokers and often getting illegal kickbacks in exchange for these referrals?
escrow officers sometimes work with lenders to hide thousands of dollars of extra interest you're paying, saying your hidden fees are "at no cost to you?"
many brokers use "bait and switch" techniques saying you qualify for a good rate on a loan, then switching to a loan with higher rates and penalties?
lenders often pull your credit to get you to go with them, knowing your credit looks worse with every pull?

Most Homebuyers End Up Paying $30,000 or More on Their Home Loans Than They Should!

If you have used a mortgage broker on a home loan recently, there is a good chance that you were fleeced for thousands! If you don't have a home loan yet but are about to search for one or apply, our book will tell you what you need to know.

Mortgage brokers receive massive incentives to give you loans with rates higher than you should have to pay and hidden fees that are not required. We will show you how this happens and give you useful information so you can protect yourself against these practices which include:

adjustable rate, COSI, COFI or other loans that could later hurt your financially or even bankrupt you.
higher rates than you were originally quoted, especially at the last minute of the loan, when consumers are most vulnerable.
"buried" loan costs, some of which are not required.
horrible pre-payment penalties that lock you into bad loans.

You CAN Get the Loan You Deserve!

You can get the loan you deserve if you know how to ask for it. Often, it is as simple as knowing the right words to use when dealing with your broker or lender. We will show you how to:

get the interest rate you really deserve, even if you are unemployed, have less than "A" credit, or are self employed.
stop brokers from pulling your credit before you know they can get you a good home loan.
use the magic words so you will know if brokers are getting a kickback for quoting you a higher rate.
use the magic words so you never have a loan with a prepayment penalty.

Industry Veterans Will Show You How to Negotiate

We have a mortgage broker and an underwriter that will tell you all about what goes on behind the scenes in the home loan industry. After 20+ years in the home loan business they have vital information to share that will help to make you a savvy borrower. They share vital information with you, such as:

how brokers get you to pay additional interest rate points, costing you $10-30,000 or more on your home loan.
how brokers routinely get bonuses and rebates for charging you high rates and prepayment penalties.
how to know exactly what the interest rate really is before you talk to a broker.
how to stop a broker from looking at your credit without your consent, which is illegal.
how to get a good faith estimate before showing your credit report.
how to save up to $30,000 or more on your loan by knowing how to ask for the right rates and fees.
when and how to lock in your rates with your lender.

Forget Asking Your Realtor or Escrow Officer For Help!

Although most real estate professionals try to be helpful, many often have a monetary incentive to help each other out -- at your expense. Realtors may steer you to loan brokers rather than suggesting that you look at other types of lending options. Escrow officers may explain away thousands of dollars of fees at closing as "not being paid by you" when in reality, they are! You can't afford not to have this information about home loans anymore. We offer the information you need so that you can get the best loan possible.

Let Us Help You Succeed at Getting the Home Loan You Deserve

We offer information that is easy to follow and gives you the exact words to use with your mortgage broker. This information will allow you to deal with brokers on their level, and help you to:

negotiate and get the rates you want, regardless of credit score and employment situation.
go over every line item of your HUD loan statement, and know which fees are "junk fees."
get brokers to disclose thousands of dollars of fees that would normally stay "hidden" from the line items of your HUD loan statements.
get good rates on fixed rate loans, even when the broker says you don't qualify.
stay away from ugly prepayment penalties, that can deny you the opportunity to refinance or sell freely later on.
know when and how to lock in the rate.
know the right questions to ask about your loan that could save you thousands of dollars or even save your from declaring bankruptcy down the road.

Download our report "Get the Loan You Deserve: What Your Lender Isn't Telling You: How to Negotiate The Best Home Loan" and save thousands over the life of your mortgage. Take advantage of this great opportunity by clicking the book below and Download Now.