Steve's Homeowner Financing Tips

Secrets You Can Use NOW to Boost Your Credit Score...FAST!

noreply@blogger.com (Stephen Fischer) — Fri, 02 May 2008 12:33:00 +0000

Check out this video for details...

Then go here to see how you can get your scores boosted fast and easy!

:)

Steve

This video helps you understand your credit score...check it out!

noreply@blogger.com (Stephen Fischer) — Mon, 21 Apr 2008 09:46:00 +0000

I thought you'd like to see this short little video
on how to boost your credit scores.

Go see it here now.

Pretty cool, huh?

Did you like it? Go ahead and leave me a comment and let me know.
When you do, please include your email address. I'll send you a link
to another really cool resource that'll help you get your credit scores
boosted...fast-n-easy.

Stay tuned...more to come!

Steve

Stephen Fischer
Tradition Mortgage
Moline, IL
Office 309-743-0110
Call 1-800-882-1834 ext.2117
To Get the 7 Steps to Stop
Paying Rent

Here's my new report...whadaya think?

noreply@blogger.com (Stephen Fischer) — Sun, 02 Mar 2008 06:23:00 +0000

Attention Iowa and Illinois homeowners: urgent and time-sensitive message below
Special Report is yours for the asking…
“Use These 7 Little-Known Secrets to Legally Payoff ALL Your Debt (Even Your Mortgage) in Less than 9 Years…without spending any more than you are right now!”

MOLINE, IL – What would you do if you no longer had to worry about ‘paying the bills’ each month? Would you like to discover how to end your money worries? Then have a seat, get comfy and read every word of this letter.

It could be the most important message you’ll ever read.

STOP. Before you toss this aside, I need to ask you something important…

Does the headline you just read above seem ‘too good to be true?’ It’s OK. When I first stumbled across these secrets, I felt the same way…

Hi, my name is Steve Fischer – and I admit it – I’m pretty darn skeptical myself. Not long ago (7 years, in fact) here’s the boat I was in. I had two mortgages…3 brand-new car payments. And a stack of credit card bills as thick as a phone book. I was totally stressed-out… working like a dog and getting nowhere.

I felt like one of those hamsters running on their wheel. I was frustrated.

Heck, this is even kinda embarrassing, but here’s the rub. I’m in the mortgage business…you think I’d know better than to get myself into this mess, right?

Wrong.

After I found this secret, I discovered it wasn’t my fault.

(Hint: it’s not yours either. More about that in a minute…)

By the way… does any of this sound familiar at all to you? I have a feeling you’re probably a lot like me.

Anyway, I got to the point where I was totally fed up with being trapped in “financial prison.” So I decided to do something about it. I spent countless hours reading books. Listening to tapes and CDs. Scouring the contents of courses. (I lost track of how many sleepless nights I spent on the Internet learning about how to get debt free fast.) I thought my eyeballs were going to burn out!

And then it happened…

I discovered a simple 7-step system you can use to rapidly payoff all your debts, including your mortgage…in less than 9 years. And here’s what’s really cool about it. If you apply the unique “twist” to this secret formula (I’ll tell you about it in a minute…)

You can payoff all your debts (yes, even the house) without increasing your monthly payments!

Like I said earlier, I didn’t believe it’d work at first. So I put this secret formula to the test. Guess what? It worked!

Now I started to get really excited…

Why? Because I knew I had to share this secret with anyone ready to take action… and completely turn their finances around in 7 simple steps.

So I did.

I tested these secrets out on a few of my mortgage clients. Here’s a couple of the many comments I got about how it went...

“Steve did an awesome job… I can’t believe how easy it was! I wish I knew about this sooner. Thanks, Steve!”

“I thought I had it all figured out. I had the lowest rates on everything. Kept my credit rating spotless. Made all my payments before they were due. But I was getting nowhere. Then Steve showed me how to apply his simple 7-step plan to the way I was paying my debts off. I have one word to say – WOW! Who knew it could be this easy to follow a step-by-step plan…and have my house and ALL my bills paid off in 8 ½ years? I’m telling all my friends about this!”

I have more stories in my files. (Call me up or email me and I’ll gladly share ‘em with you.)

OK. Let’s get back to letting you in on these little-known secrets. But first, let me tell you what it’s NOT about:
- This has nothing to do with making ‘bi-weekly mortgage payments.’
- It doesn’t involve taking out a line of credit against your home.

This 7-step plan (along with the little “twist” I came up with) puts you back in control of your future.

How?

It helps you ‘re-engineer’ your existing debts.

Just make some simple changes to the way you pay your bills (using this secret program.) Then sleep like a baby knowing your house will be paid off in one-third of the time. Maybe sooner – depending on how ambitious you are…

Plus, I’ll hold your hand and lay out this secret formula for you. Step by step. No guess work involved! It’s all spelled out in my brand-new special report:

“How to Get Debt Free Fast and Stay Out Forever!”

This report spells out the 7-steps for in you in plain English. Here’s what else you’ll discover when you get this eye-opening expose on getting free from debt
· The conventional advice about money you must ignore
· Two dirty little words your creditors use to keep you buried in debt
· 17 ways you can turbo-charge this method to get debt free even faster
· The little ‘twist’ you can use to create money out of thin air
· How to find the ‘leaks’ in your money bucket…and plug them up fast
· More real-life success stories from others who used these secret methods
· And much, much more!

So, how much do you think it’ll cost to get your hands on this secret, life-changing information? I could easily charge thousands of dollars for it. After all, one of my clients, Carrie Wacker, is saving $125,437.78 by using these secrets. Plus she’ll have her house completely PAID FOR in 9 years and 7 months!

Don’t worry. You won’t need to go reaching for your wallet. Why? Because for a limited time, I’ve decided to reveal the secrets of this 7-step formula…that (if you follow it to the letter) guarantees you’ll be debt free in 1/3 of the time…

for FREE!!!

All you need to do is this: use these secrets and you’ll be on the path to financial freedom. Plain and simple.

- No more sleepless nights worrying about the bills.

- No more worrying about living paycheck to paycheck. Servicing thousands, even tens of thousands of dollars in debt.

So... why am I handing this over to you on a silver platter…for free?

Because I know how it feels to be buried in debt. And I wish someone like me would’ve done the same for me when I was struggling… and felt like there was no way out.

I’m also tired of seeing honest, hard-working people slaving away at their jobs… only to line the pockets of their greedy creditors. And have barely anything left to show for their efforts.

To be blunt, I’m also disgusted that the ‘fat cat’ bankers and credit card companies have kept these secrets from you… while they fleece the average Joe for BILLIONS of dollars each year.

Enough already. It’s time to take a stand and put the power back in your hands – where it belongs.

Do yourself and your family a favor. Get your hands on this report… while it’s still free.

I look forward to hearing from you.

Wishing you a happy, debt-free life,
Steve Fischer

P.S. Here’s how you can get started: Send me an email at stephenfischer@fcmortgage.com (put "7 Secrets" in the subject line) or call 309-743-0110 during regular business hours (Mon-Fri 9AM - 5PM) and your FREE report will be rushed to you ASAP!

You can also call my 24-hour toll free recorded message line at 1-800-882-1834, ext. 2363. Leave your name, address, phone #, the best time to reach you...
and I'll rush these secrets to you ASAP so you can get started on the path to freedom from debt!

Have You Seen This Yet?

noreply@blogger.com (Stephen Fischer) — Sun, 02 Mar 2008 05:50:00 +0000

If you haven't made the leap yet, and would like to achieve the
American dream of owning a home of your own...

Do yourself a favor...

Go here to discover how to own the home of your dreams...

For little to NO money down...

Even with less than perfect credit!

You'll find a TON of useful tricks and tips to get you on the right path to owning a place of your own. Including:

- insider tips to boost your credit score

- the one question you MUST ask yourself if you want to own a home of your own

- success stories from other people like you that bought a home for little money
(even those that thought they couldn't!)

- how to find the right home loan program

- costly mistakes to avoid when buying your 1st home

- how to get all the money you need to buy a home

- how to put knowledgeable real estate professionals to work for you...for free!

- and much, much more!

(Hint: be sure to check out the blog when you visit this site to get access to a wealth of articles you can use now to get the knowledge, tools and resources you need to make you a homeowner.)

Here's the link...

I hope you enjoy it!

Steve

P.S. Once you're ready, you can even take the next step and apply online to get a clearer picture of your home buying options. Plus, you'll get a personalized plan laid out for you... specifically for your unique situation!

I hope to see you there! :)

Use These 9 Tips to Make the Home Buying Process a Breeze…

noreply@blogger.com (Stephen Fischer) — Fri, 22 Feb 2008 16:25:00 +0000

By Steve Fischer
Tradition Mortgage
309-743-0110

Moline, IL – Are you thinking about buying a home? It can be an overwhelming process. Especially when what you see, hear and read in the media is all ‘doom and gloom’ and talking about the ‘subprime mortgage meltdown.’ Don’t let it stop you. You can still buy a home for little to no money down, even in the middle of the ‘topsy-turvy’ market we’re in now. All it takes to make it happen is little preparation and some careful planning. And these 9 tips can help get you there:

1. Educate yourself. Learn all you can about the home buying process. Understand the role of each party involved. Explore your loan options. Learn all you can about the approval process. And give yourself a clear picture of what to expect regarding time frame, costs… even possible delays. Real estate professionals have a ton of resources they can share with you. Use their expertise to get you started!
2. Get a copy of your credit report. You can get one for free at www.annualcreditreport.com. Check it for incorrect items, duplicate entries, address and employment information and inquiries. Your lender can help you review it and ‘make sense of it all.’ Usually for free.
3. Resolve any outstanding credit issues. Make arrangements to bring any delinquent accounts and/or collections current. Keep accurate records of all everything. And be prepared to provide a letter of explanation to your lender to explain any past issues. Normally, your lender will assist you with this. Once you get any outstanding issues resolved, be sure document how you did it. If there are no issues, great. You’re one step ahead of the game!
4. Plan a realistic budget. Analyze your spending. Cut back wherever possible. And be ready to have funds available to cover your costs to buy. Even if you’re getting a ‘no down payment’ home loan, you’ll still need to set aside some money. What for? Things like an ‘earnest money’ deposit, homeowners insurance, and moving expenses. You’ll need to let your lender know where your funds came from. If you don’t, you’re loan could be denied. Don’t let it happen! Some lenders even require your funds to be ‘seasoned,’ or on deposit, for anywhere from 30 to 90 days.
5. Get your paperwork in order. In most cases, it’ll be necessary to provide proof of your income, assets, and things that affect your credit rating. If you’ve been through a divorce or bankruptcy, you’ll need to have the paperwork for these available also. Your loan officer can give you a checklist for your specific situation.
6. Get actively involved in the process. Be honest and upfront about everything. When asked to provide any additional information, do it in a timely manner. Not doing it will slow down the process. Extended delays can even cause your approval to expire… and result in less favorable loan terms (i.e. a higher rate or lower loan amount.)
7. Don’t make any major purchases before or during the loan process. This could adversely affect your debt ratios. It can also deplete the cash reserves you need.
8. Stay positive. Sure, the process can be challenging. But the reward is great. The more prepared you are, the smoother the process will be for you. Finally…
9. Get expert advice. Seek a knowledgeable professional with experience. Ask them for references upfront. And make the smart decision of putting them to work for you. Don’t ‘go it alone!’

I hope you find these tips helpful. With the right plan in place, there’s no limit to what you can achieve!

Steve Fischer is with Tradition Mortgage, a Licensed Mortgage Banker in both Illinois and Iowa. For more valuable home buying tips, visit www.own40down.com or call 1-800-882-1834, ext.2112 24/7 for a free recorded message to get your FREE copy of Steve’s Home Buyer Handbook, “The 7 Steps to Stop Paying Rent.”

Be on the look out for it...

noreply@blogger.com (Stephen Fischer) — Sun, 10 Feb 2008 11:55:00 +0000

Hello to all!

A quick heads up. I'm putting the finishing touches on a new report you'll enjoy. For details on it, click here.

Talk to you soon!

Steve

“Will You Do Me a Favor?”

noreply@blogger.com (Stephen Fischer) — Fri, 01 Feb 2008 21:59:00 +0000

I have an idea, and I need your opinion on it. (Please read on for details.)

Thanks! :-)

Steve Fischer here. I hope all’s going well with you! I’m really excited about something, and wanted to tell you about it…

Could you do me favor?
I’m testing out a new program for my clients. And before I roll it out on a grand scale, I wanted to check with you to see what you thought of it.

Here’s what it’s all about…

I discovered a way to show you how to payoff your debts legally, morally and ethically in a third of the time… without increasing the payments in your monthly budget.

It has nothing to do with ‘bi-weekly’ payments or getting a line of credit.
It’s a way to ‘re-engineer’ your existing debts. Just make some simple changes to how you pay your bills (using this new program) and you can save yourself thousands of dollars in unnecessary interest. With times like they are right now, this could really help you out.

It doesn’t cost a dime to ‘test the waters’ and see if this program is right for you.
Give me a call at 309-743-0110 so I can explain all the details...
Thanks in advance for your help. I look forward to hearing from you!
Steve Fischer
Tradition Mortgage
800 36th Ave
Moline, IL 61265
You can send me a message here or leave me a comment to this post. OR...
Go see this for more details!
P.S. I put together a special report that includes some examples of how this works also. I can send it to you (or email it to you) when you call. You can also subscribe at one of the links above and I'll get it right out to you.
Thanks again!

Update on the Simpleology Blog course...

noreply@blogger.com (Stephen Fischer) — Fri, 01 Feb 2008 21:34:00 +0000

One word...

WOW!

I picked up a TON of great ideas from the free blog course at Simpleology.

I highly recommend this site to anyone looking to boost their productivity.
And their overall effectiveness in life!

It's free to join. So you have nothing to lose...
Check it out!

Here's the link to get your free Simpleology account.

Sign up for it right now. You won't regret it!
Have a nice weekend...and feel free to leave a comment and let me know what you think of this course!

Steve Fischer

P.S. I'm putting to together a service that shows homeowners how to payoff their bills in 1/3 of time...
-Without bi-weekly payments
-and without signing up for an expensive 'money merge' account
Go here for more details.

The Fast Track to Gaining Equity with Refinancing

noreply@blogger.com (Stephen Fischer) — Wed, 23 Jan 2008 19:54:00 +0000

When most people think of refinancing, they think of a way to lower their monthly payments or to get cash out of their homes, but there’s another aspect to refinancing that more and more people are finding out about and utilizing.

Your home is probably your biggest asset, and the equity in your home is the key to that asset. If you’re paying off at typical 30-year mortgage, you could be throwing some of that equity, and thousands of dollars, away. More and more people are finding out that by refinancing their homes, they can build equity faster and pay of their loans earlier. With mortgage rates being some of the lowest in history, now is the perfect time to review your refinancing options and look closely at what refinancing can do for the equity in your home.

If you can refinance your home at a lower interest rate, but make the same monthly payment that you’ve been making, you can save thousands of dollars in interest, pay your home off early, and build equity faster than if you had continued to pay at the higher rate of interest.

Some borrowers who qualify may even want to refinance at a lower interest rate, but take out a 15-year mortgage instead of a 30-year mortgage.

A 15-year mortgage can save you thousands of dollars. For example, let’s take a $100,000 mortgage with a 7 percent interest rate. If you were to take out a 30-year mortgage with those terms, your total payments would equal $239,511 and the total interest you paid would equal $139,511.

If you took that same exact mortgage amount and interest rate, and took out a 15-year mortgage, your total payments made would equal $161,789 and the total interest you paid would come to $61,789, saving you approximately $77,722. Obviously, if the loan amount were higher, and the interest rate were to decrease when you refinance, you will save substantially more.

Even if you don’t qualify for a 15-year refinance, you will want to ask the lender to prorate the length of your loan to the amount of time you currently have left to pay off.

For instance, if you’ve been paying on your mortgage for 10 years, ask for a 20-year mortgage instead of a 30-year plan. This will ensure that your home is paid off in the quickest amount of time possible and that your equity accrues at an accelerated rate.

--------------------------------------------------------------------------------

Written by Craig Romero

Discover how to quickly build a minimum of $40,000 worth of home equity and pay your mortgage off in 10 years or less without making biweekly mortgage payments.

Click Here for more info!

Craig Romero is an author and mortgage analyst dedicated to
helping homeowners maximize the investment in their homes.

Free course on Blogging...Check It Out!

noreply@blogger.com (Stephen Fischer) — Thu, 20 Dec 2007 16:00:00 +0000

I'm evaluating a multi-media course on blogging from the folks at Simpleology. For a while, they're letting you snag it for free if you post about it on your blog.

It covers:

The best blogging techniques.
How to get traffic to your blog.
How to turn your blog into money.

I'll let you know what I think once I've had a chance to check it out. Meanwhile, go grab yours while it's still free.

Credit Scoring 101

noreply@blogger.com (Stephen Fischer) — Mon, 30 Jul 2007 08:52:00 +0000

"Use These Facts to help you..."

What is a credit score?

Before any lender decides on what terms to offer you on your new loan (which they base on the "risk" to them) they want to know two things about you:

1. Your ability to pay back the loan, and
2. Your willingness to pay back the loan.

For the first, they look at your income-to-debt obligation ratio. For your willingness to pay back the loan, they look at your credit score.

The most widely used credit scores are FICO scores, which were developed by Fair Isaac & Company, Inc. (and they're named after their inventor!). Your FICO score is between 350 (high risk) and 850 (low risk).

Credit scores only consider the information contained in your credit profile. They don't include things like your income, savings, and down payment amount. Or demographic factors like gender, race, nationality or marital status. (The fact they don't consider demographic factors is why they were invented in the first place.) "Profiling" was as dirty a word when FICO scores were invented as it is now. Credit scoring was developed as a way to consider only what was relevant to somebody's willingness to repay a loan.

Past delinquencies, derogatory payment behavior, current debt level, length of credit history, types of credit and number of inquiries are all considered in credit scores. Your score considers both positive and negative information in your credit report. Late payments will lower your score, but establishing or reestablishing a good track record of making payments on time will raise your score.

Different parts of your credit history are given different weights. Thirty-five percent (35%) of your FICO score is based on your specific payment history. Thirty percent (30%) is your current level of indebtedness. The time your open credit has been in use (ten year old accounts are good, six month old ones aren't as good) and types of credit available to you (installment loans such as student loans, car loans, etc. versus revolving and debit accounts like credit cards) each account for 15%. Finally, 5% of your score is based on the pursuit of new credit.

Your credit report must contain at least one account, which has been open for six months or more, and at least one account that has been updated in the past six months for you to get a credit score. This ensures there's enough info in your report to generate an accurate score.
If you don't meet the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage.

Need more tips? Have more questions? Call me! I can help you by answering any specific questions you have on your report. I can also help you with a complimentary credit evaluation and identity theft review. Call me at 309-743-0110 for more details...

Your Credit Card Company Hopes You NEVER Find This Out!

noreply@blogger.com (Stephen Fischer) — Sun, 03 Jun 2007 11:21:00 +0000

There are 6 things your credit card company DOES NOT want you to know!

Knowing these 6 things will save you a ton of hassle...and money!

Here they are...

#1 The TRAP is set. The average consumer has 4 credit cards, with an average balance per card of $3,900 (that’s $15,600 in debt in case you haven’t done the math!) Sure, there’s safety in numbers, but is this the company in which you want to belong?
I don’t know about you, but I’d much rather be in the “below average” customer group that has less than $1,000 in TOTAL credit card debt. These companies keep offering us new cards every week (think about how many you have received in the last year!) They offer higher credit limits and cash advances. Basically, they insult our intelligence. Many consumers are flattered when they receive their “PRE-APPROVED PLATINUM VISA- just fill out the form below sign and send back” letter. We think we’re being rewarded for a job well done. The job, of course, is being able to spend money with the best of them and pay it back better than most. Don’t get SUCKED into this mental TRAP! STOP TRYING TO KEEP UP WITH THE JONESES; THEY’RE HEADED FOR BANKRUPTCY, ANYWAY!

#2 The Never-Ending Debt… If you make the minimum payment due on your average balance of $3,900 each month, your credit card will be paid off in approximately 39 years! It’s called “amortization”, or in the case of credit card repayment, I should say “lack of amortization.” In lay terms, this simply means you have no real term set in order to pay this back. It’s open-ended. They’ll let you pay on that same balance forever if you let ‘em. When you buy an automobile, you may finance it for 5 years. You know, if you never send an extra dime over your monthly payment to that Loan Company or bank, you’ll own that car on the day of your 60th payment. You have none of these guarantees with credit cards. They are revolving accounts. I guess you can say they are like the Energizer Bunny, “THEY KEEP GOING, AND GOING, AND GOING…”

Want to know the other 4 credit card traps? Then click here to get them!

Please let me know if there's anything else I can do to help you.

Steve

What My Chihuahua Taught Me...And How It Can Help You Too!

noreply@blogger.com (Stephen Fischer) — Tue, 24 Apr 2007 16:54:00 +0000

I live in a freakin' zoo!

Now, I'm not complaining...so bear with me here.

With 3 kids, 4 cats and 2 dogs (including a chihuahua that thinks she has hairballs) and a wife that SNORES...I have at least nine potential things that can wake me up in the middle of the night.

It happens a lot. I'm a light sleeper. I'm used to it.

OK, so it's 4:47 in the morning. What could possibly wake me up this time?

Ouff...Ouff...Ouff...Huh?

What's that noise?

The winner is...

My 3 1/2 lb. furball...long-haired chihuahua, Kiwi.

(See the second photo above...)

I gotta tell ya. she's been hanging out with my cats too much.

Why?

Because she decided that she has hairballs!

Huh? Ouff...Ouff...Ouff!

(Trust me, it's tough to put the sound of a dog making fake hairball sounds in print. So I invented a word on the spot- ouff. It was the best I could think of at 5:19 a.m.)

"Ok, Kiwi. You win. I'll get up & take care of ya."

Great.

as soon as I roll out of bed...she STOPS making this strange noise...and cuddles up in bed with my wife.

Oh well. At least now I can share this weird story with you!

OK, are you still with me? Good. 'Cuz there is a point to all this...

Believe it or not, my little 3 1/2 lb. Kiwi teaches me a lot:

* She's an expert at getting attention. Why?
(do you really have to ask? I mean - look at her! She's just too darn cute, isn't she?) How can something so small and furry stop traffic in public and spread smiles & aaawwws like a virus wherever she goes?

Amazing. What else has she taught me?

* She knows how to get what she wants. When she needs exercise, all she has to do is catch a glimpse of her tail in her peripheral vision...then WHOOSH! Off she goes in a relentless pursuit of her own tail!

Over and over again.

Which brings me to my next point...

* She doesn't take herself too seriously. I gotta admit it. It's freakin' hilarious watching her run in circles tryin' to catch her tail! Who needs TV when you can witness spectacles like this? (Truth IS always stranger than fiction.)

Wait - there's more!

* She has NO Fear! I haven't told you about my other dog...
My spastic beagle/lab mix, Lucy. (I'll save my diatribe on her for another day.) But I will mention this...

Kiwi loves to pick on Lucy! (Look at the 1st pic above for PROOF!)

Trust me on this one. Your life ain't complete 'til you've seen these two wrestle!

Who wouldn't want to watch a little brown 3 1/2 lb. fuzzball bounce around all over a dog 20 times her size...and kick her ass?

It's all play, of course. No animals ever really get harmed in my world.

Lucy always plays along and takes her 'beating' like a trooper. Actually, I think she likes the attention. Really. She gets her ears cleaned out for one thing! Plus I'm pretty sure the back of Lucy's legs stay pretty clean too. Why? Beacuse Kiwi is always 'nibbling' the dirt off of 'em!

Alright, enough.

Is there a point to all this? YOU BETCHA!

If you want to get aheaad in this world...live life to the fullest...enjoy yourself...and YES even take control over your finances...
then you can learn a few things from Kiwi. Especially this...

* She's not afraid to ask for help! Even though the whole 'hairball' thing was a false alarm...
She still knows she can turn to 'Dad' for help.

So can you.

If you need to get a grip on your money situation, I can help you use your home to make everything waaayyyyy better!

Call me today at 309-743-0110. Let's see if I can help.

You have nothing to lose (and Kiwi will thank you for it!) :)

Sincerely,

Steve

P.S. Just kidding about the snoring, dear!

“How Can You Quickly and Easily Give Your Mortgage a MASSIVE Overhaul, Slash Your Monthly Payments AND Put Cash In Your Pocket…Risk-Free?”

noreply@blogger.com (Stephen Fischer) — Tue, 10 Apr 2007 04:11:00 +0000

Easy. Just follow these simple steps…

Dear Friend,

Are you tired of working your tail off to pay your bills…
with nothing but pocket lint left to show for it?

Do you have too much month left at the end of your money?

Are you tired of struggling just to pay thousands of dollars in unnecessary interest on your home mortgage, car payment and credit card bills?

Do you get sick to your stomach when you open your mortgage statement…and notice your balance is barely moving at all?

What if you could quickly and easily ‘tune up’ your finances…without risking a penny?

Would you?

Now you can discover the secret tips, tricks and strategies most loan officers don’t know about.

Here’s all you need to do to get started:

Pick up the phone right now and call me at 1-877-743-0110. You can even lock into a lower fixed payment on your home loan. Here’s what else you can do…

· Get rid of your unpredictable, high payment mortgage(s). Switch to a stable, lower payment.
· Wipe out ALL of your credit card balances! Without bankruptcy, credit counseling, or damaging your credit rating in any way. You’ll even improve your credit score in the long run as a result!
· Learn how to become debt free in as little as 5 years! Using your current income.
· 1 – 2 months with no bills to pay to anyone! No mortgage, no car payments, no credit cards! Just think what that could save you… some people save as much as $2431.38 right there alone.
· I’ll build you a 100% legal, ethical and moral “middle class tax shelter!” Hint: this is the same technique that the wealthy already know about, and they’ve used it for decades. Why aren’t you using it? This could be worth thousands of dollars of additional savings to you!
· Wipe out your car loans! And get your car titles free and clear! No more car payments!
· I’ll save you hundreds (maybe even thousands) of dollars every month! Money you now spend servicing debt. Hey! You really can improve the quality of your life! I can even get you EXTRA CASH… while still saving you money each month!!!

Sound too good to be true? Don’t take my word for it. Go see the other posts on this page. Read the words of my happy clients!

Now, you may be asking yourself, “Yeah, but will I qualify?”
Maybe. Maybe not.

But there’s only one way to be sure…

Call me NOW at 1-877-743-0110. Or click here and get started while it’s fresh in your mind. You have nothing to lose!

Wishing you a future filled with weatlh, happiness and success!
Steve Fischer

Money Likes Speed

noreply@blogger.com (Stephen Fischer) — Fri, 06 Apr 2007 13:49:00 +0000

Hey gang, I just finished reading an insightful article from Robert Ringer's FREE newsletter, A Voice of Sanity in an Insane World. (I highly recommend you sign up for this eye-opening newsletter by clicking here.)

Anyway, the title of today's article was "Success Likes Speed." In the article he quotes another one of my favorite authors, Joe Vitale. Joe's saying "Money Likes Speed" is a brilliant piece of advice that we can all to take to heart.

Both authors make these points:
- Action breeds results
- Taking the 1st step to getting what you want is not only THE most important one...it's also the hardest one for most of us.
- Over-planning & over-analyzing is a BIG productivity killer.
- Procrastination SAPS your enthusiasm
- The longer you wait to go after whatever it is you want, the less likely it is you'll get it
- Time is finite. It's the only thing you can never get more of. When it's gone, it's lost forever.

So what's my point for telling you all of this?

Simple. I'm dedicated to helping homeowners like you take control over your financial future. To educate you on quick & easy ways to use your house to take control of your future.

So why wait? TAKE ACTION NOW! I can help you with FREE information to get you back on track to achieving your financial goals. Click here for my FREE report & get all the details now!

To your action-oriented success,
Steve

The Ugly Truth...and 11 Reasons Why You Should Take Control of Your Financial Future NOW!

noreply@blogger.com (Stephen Fischer) — Wed, 04 Apr 2007 09:06:00 +0000

WARNING: What you're about to read may not be upbeat. But it's true...

I was reading Howard Dayton's inspiring book "Your Money Map" recently...
(By the way, if your serious about learning the 7 Steps to true financial freedom, this is an awesome resource!) when I came across these 11 alarming facts.

· The United States is absorbing 80% of the world’s surplus savings to fund its deficits and debts
· 2/3 of all middle-income Americans (66%) live paycheck to paycheck
· Most people have not been taught how to handle money properly
· Every 27 seconds in America, a couple divorces. The #1 reason? MONEY PROBLEMS
· In 2005, the personal savings rate was negative 5% of their income, the lowest personal savings rate in 73 years (source: US Dept. of Commerce, Bureau of Economic Analysis, www.bea.gov)
· 82% of middle-income Americans say there’s not much left to save after the pay their bills
· The average American today spends $1.10 for every dollar earned
· The average American credit card holder carries more than 6 cards and owes more than $9,300 on them
· In 2005, credit card debt in the USA totaled $797 BILLION (source: consumer credit, www.federalreserve.com)
· 97% of Americans age 65 have less than $600 in their checking account. Only 3% are financially secure and 54% are still working (USA Today)
· If you make only the required payment on a 30-year mortgage, it’ll take 23 years before the principal and interest portions of the payment match each other!

Wow!

Can you see why it's vitally important for you to take control of your financial future now?

Want some help? Stay tuned - because I'm putting the finishing touches on a resource that puts you on the path to freedom quickly and easily!

I'm excited! And I can't wait to show it to you!

Hold on to your hats...the minute you can get your hands on this amazing tool, I'll let you know!

Have a happy 'hump day!'

Steve

P.S. For a sneak peek at this FREE insider report - "How to Escape The Debt Rat Race," call 1-800-882-1834, ext. 2019 anytime, 24/7 and I'll rush you this eye-opening report. Or you can get your copy by clicking here. Make sure you put the words "Debt Rat Race" in the subject line.

Peace!

Need a Vacation From Your Bills?

noreply@blogger.com (Stephen Fischer) — Tue, 03 Apr 2007 15:07:00 +0000

This gets overlooked a lot...

One of the really cool things about refinancing your home mortgage is this:

You get to skip one, sometimes TWO house payments!

This comes in handy when you need to take care of unexpected expenses. (Like work you've been meaning to get done around the house, a nagging repair to your car you've been putting off, etc.)

Here's another quick tip for what you can do with this 'payment vacation:'

Apply the extra savings directly to your mortgage. It's the same as investing the money at the same rate of return as the rate on your new mortgage!

Pretty cool, huh?

Want to learn more insider tips & tricks to help you break free from the debt race?
All you need to do is drop me a line and I'll rush you my FREE report "How to Escape The Debt Rat Race."

Have yourself a wonderful Tuesday!

Dedicated to giving you financial freedom,
Steve

Can You Answer These Questions?

noreply@blogger.com (Stephen Fischer) — Mon, 02 Apr 2007 12:15:00 +0000

· What is THE most important factor for achieving financial freedom?

· Is the interest rate on your home mortgage its most important factor?

· Do you know how to beat the ‘fat cat’ banks, mortgage lenders & credit card companies at their own game?

· Are there really 'hidden forces' sabotaging your financial success?

· Is your home mortgage literally sucking the life out of you financially?

· What is the Big Trap set by banks, merchants and lending institutions? (And do you know the two words they use to keep millions of Americans mired in untold BILLIONS of dollars of crippling debt?)

· What's the Simple, Easy & Effective 7-Step Plan for Attaining Freedom From the Clutches of Debt…once and for all?

If you want to know the answer to these questions, simply subscribe to my blog by entering your email address in one of the links to the left of this page.

Or you can call me at (877) 743-0110, leave your name & address. Then I'll send you the answers in the 'snail mail.'

Go for it!

Steve

P.S. You can also drop me a line and I'll send your FREE report over right away! Thanks! :)

WARNING: Don’t Sign Off on Your Mortgage Until You Read This!

noreply@blogger.com (Stephen Fischer) — Sun, 01 Apr 2007 13:12:00 +0000

SPECIAL FREE REPORT - 20 Terms You Must Know and Understand
Before You Sign Off On Your Mortgage!

Buying a home and shopping your mortgage can be a confusing (and intimidating) experience. That’s why it’s so important that you prepare yourself as completely as possible for the road ahead.

You may encounter several terms with which you are unfamiliar during the lending process. Educating yourself on the many terms and concepts used during the process will help you make sound financial decisions… decisions that will save you big money!

Lack of preparation could cost you tens of thousands of dollars! Don’t let it happen to you...Call Now for your FREE report... 1-800-882-1834 Ext 2057 anytime 24 hours a day…

…Or send me an email with the words “20 Terms” in the subject line. I’ll RUSH this information to you right away!

Hope this helps, have a fabulous day!

Steve

“Attention: Iowa Homeowners - Use These 10 Steps To Find Out If Your Mortgage Lender is Taking You For a Ride…”

noreply@blogger.com (Stephen Fischer) — Sat, 31 Mar 2007 12:51:00 +0000

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! :)

Discover The 7 Little-Known Secrets of Reducing Your Debt Quickly and Easily

noreply@blogger.com (Stephen Fischer) — Sat, 31 Mar 2007 12:11:00 +0000

"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.

“Wow! My Loan Went From Application to Closing in 18 Days!”

noreply@blogger.com (Stephen Fischer) — Mon, 18 Dec 2006 15:18:00 +0000

“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

You Probably Have A Bunch Of Questions You Want Answered...

noreply@blogger.com (Stephen Fischer) — Mon, 18 Dec 2006 02:12:00 +0000

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

How the “No Nonsense” Approach Saved Elmer Big $$$!

noreply@blogger.com (Stephen Fischer) — Wed, 13 Dec 2006 16:51:00 +0000

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!

How To Literally Cut Your Bills In Half!

noreply@blogger.com (Stephen Fischer) — Tue, 12 Dec 2006 14:43:00 +0000

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

stephenfischer@fcmortgage.com