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Calling all Americans with Mortgages , Equity Loans , Consolidation Loans , Auto Loans and Student Loans ! (And now credit cards, too!) Download the free software from this site and begin to end your debts quickly without taking on more loans.... No More Loans! This is loan reduction, not refinancing - and the service is free to you. Please read on to learn more. |
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The information you're about to read here may seem radically different from what you've grown accustomed to seeing in the media. That's because we offer the most sensible solution to ending personal debt: we don't sell loans that do nothing but cost you money and prolong your debt, but make available a free program that accelerates the pay-off of your loans and saves you money. In fact, we are the only national financial firm to offer a no cost solution to reducing and eliminating the biggest, and most expensive, loans confronting working class Americans today. Everything you need to end personal debt is right here! If this is your first visit, our name is American Financial Advisors (our loyal clients call us AmFinAd ) and we are residential mortgage consultants (we'll soon have to change that to "debt eliminators") and commercial loan brokers. We are becoming known as the "Anti-Debt Company." Our clients form a growing national community of people who have made the decision to actively eliminate their debts and build wealth. We started in 1998 as authorized agents for U.S. Mortgage Reduction, Inc., and marketed their excellent biweekly mortgage reduction program to homeowners. Theirs was the only program which included auditing services to protect clients from lender errors and overcharges (Yes! Banks do make mistakes!) Recently, we were contacted by Information Brokerage Services, Inc., with an offer to distribute their biweekly program on CD-ROM. Their program is identical in quality to the one offered by U.S. Mortgage Reduction, including free annual auditing services, but there is no $400 sign up fee or other costs. Thanks to technology, this program is free, and this is exactly the program we now offer. We're very excited about partnering with Information Brokerage Services because the program we now offer our clients can be used to pay off their mortgages, equity loans, consolidation loans, auto loans, and student loans. We also devised a way to use our program to pay down your credit card debt (click on the "Credit Card Debt" button). What that means to you is that you can now start accelerating and reducing the pay off of all your loans by two thirds of the required time, depending on the loan amount save tens of thousands (Yes! Tens of thousands ) of dollars in interest charges, protect yourself against lender errors and overcharges with annual audits - and at no charge to you. No refinancing! No credit checks! No lengthy applications! You keep your original loan, but pay it differently which results in a faster pay off and money in your pocket. What originally began as a program designed to save Americans money on their mortgages, has now evolved into the Roth IRA of ending personal debt for all of the major loans plaguing our society. Make no mistake about it, this program is equal to any financial program or plan out there that results in saving or making you more money. We are particularly happy to provide young people, just starting out, with a solution to ending their student loan debt quickly and efficiently so that they aren't straddled by lingering debt early in their careers. Help is here, graduates! And now, homeowners have even more reason to celebrate because, with the flexibility of this new program, they can put all of their loans on this free loan reduction service, and save even more money in addition to their mortgages. This comes just at a time when everyone needs a break. Now, before we explain how the program works, it's not our intention to bore or hold back our more motivated visitors. If you want to dive right in and see how this program will help you with your loan(s), then by all means download the free software and get started running your numbers. Depending on your computer's operating system, the software should automatically unzip and set up after downloading, ready to use. However, if you are confronted with a screen full of files: (1) click on "Extract All Files" in the upper left hand corner to unzip the files. (2) You should see a window that says "Welcome to the Compressed [zipped] Folders Extraction Wizard." Click "Next." (3) Another window appears "Select a Destination." Click "Next." (4) Click on "Finish" for the Extraction Complete window. (5) Scroll down to and click on the "Setup Launcher" (SETUP.EXE) to set up the program on your computer. (6) On the "Open File - Security Warning" window, click "Run" and you will see a "Mortgage Manager Verification" window with the code 88510 already entered; (7) Click on "OK" and you will enter the software for your loan analysis. [Directions in bold print apply to all computer systems]. Remember, the text discusses "mortgages," but you are able to use this program to eliminate all of the loans mentioned. A Mortgage Manager icon will be placed on your desktop so you can easily return to and use the software again. Enjoy the program. Click the following link to go to our download site: If you experience difficulty downloading your software, probably there's a traffic jam of visitors making demands on the server to download. Try later or at another time when "everyone" is not online. If you still have problems, e-mail us and we'll get the software to you. We do recommend, however, that you return and finish reading the rest of the information on this site, particularly the Disclaimer below which contains important information. For the cautious and thorough, kindly read on. The name of our program is Mortgage Manager - but you already know that it can be used for all of the loans mentioned above. Essentially, it's a biweekly payment plan which includes auditing services. This is how it works to accelerate the pay-off of your loan(s), and save you money on interest. The money you borrow is called principal . Let's say you borrow $100,000. Now, before your first payment is due, you win the lottery and decide to pay off your $100,000 loan in full. You're done! You legally fulfilled your obligation to your lender. Things get messy - and expensive - when you take a long time to repay your loan. A 30 year mortgage - America's most popular choice - is an example. Lenders charge interest , based on the principal amount, until your loan is completely repaid... in this case, 30 years. It is not uncommon to wind up paying three times your principal by the time you finish paying off your mortgage loan. The same is true for all loans due to compounding of interest on the loan's principal (in this case, $100,000). That means a $100,000 home winds up costing $300,000 - that's the price we all pay for extended credit. And when people refinance once or twice during those 30 years, that home can end up costing over $366,000. You are about to discover that it doesn't have to be this way. I've noticed that when our well-to-do commercial and business clients borrow money, they pay off their debt as quickly as possible. They borrow carefully, and pay back quickly thereby saving substantial money on interest - they don't prolong their debt! That's why they're rich! We middle class folks need to learn a lesson from the rich and do the same. The Mortgage Manager does this for you effortlessly and for free. Let's say that the lender sets a monthly payment of $500 on your $100,000 loan. With our program, instead of paying $500 per month, you pay half - or $250 every two weeks - which is electronically debited from your checking account and placed into a bank escrow account on your behalf by Information Brokerage Services . Then they, as the managerial firm who manages your account, pays your lender every month by check, so that a documented paper trail is generated, on the date your loan payment is due. In six months you've accumulated an extra $250 which is deducted from your principal. By the end of the year, another extra $250 is accumulated and deducted from your principal. By reducing your principal, which is an extra $500 per year in this case, less compound interest is generated. You save money on interest plus more money that doesn't have to be paid because you're accelerating the pay-off by about ten years. Calculate $500 per month times 10 years! I get $60,000 that stays in your pocket + money saved on interest which could be another $60,000. Do you want to give $120,000 more to your lender than you're legally liable for? With smaller loans, the corresponding savings in dollars is less. For example, with a $20,000 student or auto loan you're saving around $6,000. Can you afford to give that kind of money away? Some people do, and that's why they'll never be financially independent. Don't forget how the rich treat debt. Want to pay off your loan even faster? You can add more money to your biweekly payment - $10, $25, $50, or whatever you can afford - and pay off your loan sooner and save even more money. And you can always cancel these extra payments and scale back to the minimum required payment ($250 in this example) again - this program is extremely flexible and user friendly. Auditing your lender once a year is crucial when you're prepaying a loan. Lenders make mistakes, and without annual audits, you'll never know. Plus you will have documented proof to show them if there's an error. This feature gives you security and peace of mind. And you're saving even more money because a formal audit costs upwards to $500. The Mortgage Manager does it for you because it's included in the software. And it's free. This alone should defuse all of the "do it myselfer" out there who feel that they can prepay their mortgages (and other big loans) all by themselves. Why do it yourself when you can have the peace of mind of having organized financial specialists work for you? And have yearly audits done to protect you from lender errors as well. Prepaying on your own is a lot like starting a diet or exercise program - much enthusiasm in the beginning, but life issues get in the way. Statistics indicate that most people quit or end up making sporadic payments at best. Can you imagine keeping one's enthusiasm and follow-through going for 20 years until a mortgage is paid off? Even shorter length loans of 10 or 15 years are a task. Only the die-hards finish, and the resulting savings are questionable. With the Mortgage Manager, the software prepares an organized pay-off plan for you to follow with a definite pay-off date, and shows you exactly the money you will save. All you have to do is have the money in your checking account on the scheduled biweekly debit dates (you'll get the dates issued to you after sign-up), and you're good to go. Once your account is set up, the Mortgage Manager runs like a Swiss watch - a financial plan with definite payment goals established. In principle, this works for you as payroll deductions for your retirement plan or IRA work for you in the long run. And, lest we forget, this organized program gives you all of these benefits at no charge. There's only one obstacle left that may prevent you from placing your loans on our program - credibility. With all the scam artists around, you're in your rights to be skeptical and careful. But with proper due diligence on your part, your skepticism should be put to rest. First, to the skeptics who claim that "nothing is free." Well, AmFinAd and Information Brokerage Services are profit-oriented businesses, and we do get paid - by the banks. With so many loans going into default these days, the lenders are nervous. They view a person who places their loan under a biweekly, loan reduction program managed by Information Brokerage Services as a low risk. Why? Because they know that they're going to get their money every month, and they're going to get it on time. Banks love getting their payments when they're due, and for this they're willing to give up some money they'd otherwise [hope to] make in interest over the long run. The banks pay all of the servicing costs to us middlemen. So, the service is free to you, the brokers make their commissions, and the banks get their payments and they get them on time. Everyone is happy. Take advantage of this free service while the lenders are being so generous (out of necessity in these troubled times). Second, there's the issue of trustworthiness of AmFinAd and Information Brokerage Services, the company that actually manages the billions of dollars of loans. In our Disclaimer below, we provide the web address for the Better Business Bureau. Enter our respective information and see what comes up. The Better Business Bureau registers complaints against a company for 36 months, so that provides ample time to see if a company is real or not. And they register complaints against BBB member and non-member companies. We both are brick and mortar businesses, and not "virtual businesses" whose presence is only on the Web. I'm sure you can find other sources to check us out, but the BBB is the best consumer reporting agency around and reliable. You can stay on this program as long as you want, and quit whenever you want - you're not obligated to any long term contract. Also, if you move, you can put your new mortgage on the plan (and your other loans).... and at no charge. Finally, download the free Mortgage Manager software by clicking on the above link, and plug in the numbers for your loan(s). The program is extremely user friendly and complete, easy to navigate and understand. There's also a FAQ sheet to address your concerns. The numbers don't lie - if you're not impressed with the savings this program can get for you, you're not going to sign up. But 99% of our clients who run their numbers love the results of their loan analysis. Many are surprised to find such an alternative to rapidly paying off their loans because of the endless brainwashing by the media (sponsored by the lenders) which tells us all to "refinance." So, then fill out the short forms provided within the software, print them out, and mail them to the address provided. Then stand by and watch your debts start to disappear, and begin planning for what you're going to do with all of that money you don't have to pay to your lender. One more thing: the Mortgage Manager works with both adjustable and fixed rate mortgages. If you have an adjustable rate mortgage (ARM), and if it's possible for you to do so, we recommend that you consider refinancing to a fixed rate mortgage, especially if you have one of those "creative" or "interest only" mortgages that were recently popular - they're killers and are responsible for so many mortgage defaults because rates are going up. This is just food for thought - it will make your life so much more pleasant to get rid of the ARM. This is one of the rare instances where we favor refinancing a loan. In closing, let me leave you with a final thought. Rather than rely on newspapers, with all their biased "newspin" and "doublethink," I subscribe to some excellent financial newsletters for my information. Recently, I read in Martin Weiss' Safe Money Report, a letter from a subscriber who seemed upset by all of the negative financial forecasts facing America. He wrote, "You scare me... when I read your issues. Where's the hope in this situation?" The reply of the Editors was simple, yet the message very profound. They answered, "Primarily in you. The more you - and others - can protect your wealth and even build it in bad times, the greater the reserve of liquidity and buying power our nation will have to help bring about a subsequent recovery." You now have at your disposal the means to start ending the curse of personal debt and free your money for the things you need and want - to start, as an individual, increasing your "liquidity and buying power." And remember the code of the rich: they get rid of their debts as quickly as possible to save and make more money. Thank you for your time. I hope that the information presented here, along with the Mortgage Manager software, will help you achieve your life's financial goals. My Best to you for a bright financial future, William Homolka, President and Chief Financial Officer AmFinAd, New York P.S. COMING TO THIS WEBSITE THIS FALL, 2008!! The Complete Book on How to End Debt & Build Wealth. This e-book addresses all debt issues, particularly credit card debt, and how to resolve them without resorting to taking on more loans and debt. We will discuss tactics that the banks don't want you to know, but that you can use to your advantage. You will also learn the insider secrets to wealth building the rich use (and prefer to keep secret). When ready, we will send you a post card with details, and information will be posted on this website. WATCH FOR IT!! Also, this site is continually being revised and improved thanks to feed-back from you, our valued clients. Have an opinion or suggestion for us? Send me an E-mail - I love hearing from you. You may want to bookmark this site and visit often. It will take us a while before America gets personal debt under control - and we're here to help. Join us at the AmFinAd community and improve your finances this year. |
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Disclaimer: AmFinAd serves as the distributor for Mortgage Manager software which is the sole property of Information Brokerage Services, Inc. Information Brokerage Services acts as the managerial firm which actually manages all of the loans referred to them by us via this website and other brokers. We have investigated Information Brokerage Services, Inc., before agreeing to distribute their software and found them to be reputible. Since we arrange commercial financing, we have contacts within the financial sector as well as other sources. Their biweekly program is of equal quality, if not better than, the program we marketed for another company since 1998. However, we are separate businesses and not responsible for each others business activities. For your own peace of mind, we recommend to always check a company's standing with The Better Business Bureau. All reputible companies encourage this open policy. The Better Business Bureau can be accessed online by going to www.bbb.org. The BBB concerns itself solely with complaints from dissatisfied consumers against a company over a 36 month period. Information Brokerage Services is located in Kansas. AmFinAd is located in New York, and our address is located below on this site. ***Please Note: This program is not available to persons living in, or with a "property" address in Kansas, Texas or California. Kansas and Texas do not allow any company to provide biweekly service to its residents. California requires people marketing biweekly service to "physically" be located in the state, which neither company is. AmFinAd is making efforts to try to persuade those states to change these laws, but for now, this is the law. |
Privacy Policy: We value our client's privacy. We never divulge their names, addresses, phone numbers, or e-mail addresses to anyone, nor do we engage in selling our list of client's names to any business or entity - and we never will. |
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