How The Mortgage Savings Program Works

Example Using a $ 100,000 Loan At 8.5%

****Standard 30 Year Conventional Loan****
*Current Payment
. $1,000 PITI
*Paid Off In
. 30 Years
*Total Interest Paid
. $ 176,811
*You Save
. 0


****Mortgage Savings Program****
*Current Payment
. $ 500 Bi-Weekly**
*Paid Off In
. 21.2 Years
*Total Interest Paid
. $ 115,784
*You Save
. $ 61,027


By simply converting the monthly payment of $1,000 to on a Bi-Weekly basis, you'll make 26 half payments over a year's time. That's the equivalent of 13 monthly payments.


Through the use of sophisticated banking technology and electronic debiting, you will automatically make an extra payment of to principal about every 6 months.

By being on the Mortgage Savings Program, you'll save an amazing $ 61,027 and own your home many years sooner.

Not only do we guarantee the interest savings (see enrollment form for details) but we can provide you a detailed annual mortgage audit to check for lender miscalculations of interest rates and prepayments. Homeowners have lost BILLIONS of dollars due to lender "miscalculations." The Washington Post reports that nearly 47% of all mortgages with adjustments (e.g. prepayments) are being miscalculated.


That's One Reason You Don't Want To Attempt To Do This Without Professional Assistance



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Notes: * Assumes $ 100,000 loan, 30 year term, 8.5% interest, & $1,000 PITI.
** There is a $ 2.95 Bi-Weekly service fee added to the to cover the recurring costs of the program.



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About AAA Financial Corp.


AAA Financial Corp., founded in 1980, is the leading mortgage pre-payment lender and administrator in the country. Licensed and bonded by the Banking and Finance Department, The Mortgage Savings Program is highly regulated by Federal Reserve policies, Regulation E, and NACHA rules and regulations.


AAA Financial Corp., because of the tremendous growth of the Mortgage Savings Program, was recently selected to Inc. Magazine's prestigious Inc. 500 as the 177th fastest growing company in America.


Your mortgage payment will be held in the Mortgage Savings Program Trust Account at Citibank, F.S.B. Monies are direct debited from your bank account every two weeks and transferred to the Mortgage Savings Program Trust Account at Citibank, F.S.B. and then sent to your lender when due. Interest is not credited to your account during this transaction period.

Here's What The Experts Are Saying


New York Times -- "A bi-weekly mortgage is best for financially sophisticated home buyers, for move-up home buyers and for anyone who wants faster equity build up... It's a great disciplinary tool. In a way, it's like a Christmas Club."


USA Today -- "What started as a mortgage lender's marketing gimmick is on its way to becoming the hottest home loan of the decade. It's the bi-weekly mortgage...the attraction: bi-weeklies reduce interest expense and build home equity faster."


Robert G. Allen (author of Nothing Down and Creating Wealth, the best selling real estate books in history) -- "AAA Financial Corp. has created the most exciting program I've ever seen helping homeowners save literally a fortune on their mortgages! The bi-weekly and mortgage auditing program is a real must for every homeowner who wants to get ahead financially."



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Why Most Lenders Don't Offer Bi-Weeklies


Most lenders sell their mortgages on the secondary market right after they originate them. Your "lender" often continues to collect your monthly payments, but then passes them along to the current note holder after deducting a "servicing fee." The secondary market does not allow a greater "servicing fee" on bi-weekly mortgages, so "lenders" see the need to do twice as much work for the same fee.

Some lenders offer bi-weekly mortgages, but require you to originate a new loan to achieve the bi-weekly advantages. Many homeowners cannot "re-qualify" for a new loan and even those who can are normally required to pay thousands of dollars in loan origination fees and closing costs. All of this hassle and expense is avoided with the Mortgage Savings Program

Please Email For More Information.

FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions

1. How much is the Easy Mortgage Money fee?

2. Then Doesn't Easy Mortgage Cost About As Much As A Real Estate Agent?

3. Do I have to collect payments from the Buyer?

Am I responsible for the payments my Buyer agrees to make?

4. Can I accept offers with "conventional financing" even after I have received Easy Mortgage Money offers?

5. Will Easy Investors accept Buyers who have serious credit problems?

6. Will Easy Investors accept Buyers who have income deficiencies and “unqualified income?”

7. Will Investors accept a Buyer with little or no down payment?

8. Will Easy Investors accept a Buyer with little or no down payment?

9. Are the interest rates reasonable on these loans, or is this some kind of "loan shark" operation?

10. Can I use the Easy Mortgage Money system to sell other types of real estate?

11. Is the sale of my home really final with the Easy Mortgage Money system, or am I still responsible for it in some way?


Personal Help


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1. How much is the Easy Mortgage Money fee?

There are no out of pocket fees for Easy transactions**. The only "fee" is that we buy the mortgage note at a "discount," i.e. less than the face value of the note. You pay us not a single dime from your pocket. You simply accept an IOU from your Buyer and sell it to us right at the closing table. We are not actually paid the "fee" until the loan is paid off. The amount of the "discount" is normally 6% (often higher on commercial properties) of the sales price of the property and is guaranteed to be more than offset by the increased price you receive for your property.

** Rarely some Investors charge an origination fee. Whenever there is such a fee, it will be shown prominently on your financing plan before the parties reach agreement.

2. Then Doesn't Easy Mortgage Cost About As Much As A Real Estate Agent?

Absolutely not! The compensation system for real estate agents motivates them to make the sale by reducing the price. If they sell your property for 80% of its value, they still earn 80% of the commission, but I believe they deserve nothing for virtually "giving away your property."

Until their compensation system is revamped, the real cost of their help is not the 5% to 7% fee -it's the erosion of your selling price. Easy Mortgage Money normally obtains a much higher sales price for your property - so much higher we guarantee you that the higher price will more than offset our fee. If you don't agree, simply turn down our offer and owe nothing.

3. Do I have to collect payments from the Buyer?

Not unless you want to. Most Sellers want to receive as much cash as possible right away. In that case we arrange to have the Investor buy the entire mortgage from you immediately, right at the meeting where you "close" the sale of your home. Yes, you can even use this money to pay off your existing mortgage. You never have to collect a single payment. However, if it is to your advantage to receive some payments now or later (perhaps after retirement), we can arrange that also.

4. Am I responsible for the payments my Buyer agrees to make?

Not at all. You sell the mortgage "without recourse," meaning that you have no responsibility for the Buyer's payments. If the Buyer fails to make payments, the holder of the note has sole responsibility for dealing with the problem.

5. Can I accept offers with "conventional financing" even after I have received Easy Mortgage Money offers?

Absolutely! You are under no commitment to either the Easy Mortgage Money program or to your Buyers until you "accept" an offer. You should not "accept" any Buyer's Easy Mortgage Money offer until you have also accepted the specific financing plan that will enable that offer. At that point, you and your Buyer formalize your real estate sales contract and we formalize our agreement to buy the note from you with a "Mortgage Purchase Agreement."

6. Will Easy Investors accept Buyers who have serious credit problems?

Absolutely! Easy Mortgage Money Investors specialize in financing Buyers with various forms of credit problems. They finance Buyers with:

-"Unqualified Income" e.g. entrepreneurs
-Credit problems arising from divorce
-Outstanding, astronomical medical bills
-Legal judgments against them
-Recently discharged bankruptcies
The Easy Mortgage Money system can produce many full price offers for your property because of its ability to finance virtually any Buyer, but selecting a Buyer with a lesser "credit challenge" will produce a financing plan that is more attractive to both you and your Buyer.

7. Will Easy Investors accept Buyers who have income deficiencies and "unqualified income?"

Yes. Many victims of corporate downsizing and plant closings are excellent credit risks, but cannot obtain conventional loans because their current income is "unqualified" i.e. inadequate proof of its existence or predictability. Conventional lenders consider the income of entrepreneurs, commissioned sales people and those who changed professions within the last three years as "unqualified". Therefore these lenders count the Buyer's income as zero for purposes of determining how much they can borrow. These Buyers will gladly pay full price for your property with the Easy Mortgage Money system.

Banks also decide how much your Buyer can afford to pay for housing as a percentage of "qualifying" gross income. No loan is approved if the Buyer decides to spend more, even if the Buyer expects a significant increase in future income. These Buyers can obtain funding through the Easy Mortgage Money system and are therefore excellent prospects for buying your home using this system.

8. Will Easy Investors accept a Buyer with little or no down payment?

While we do offer a no down payment payment program, very few of our Clients have sufficiently low credit risk to qualify. We recommend that you avoid the temptation to court Buyers with no down payment.

Indeed down payment is perhaps your best indicator of an Easy qualified Buyer. Normally your Prospects will be more informed about their down payment availability than their credit status. If they have been able to save a reasonable down payment, it suggests that the credit problems that preclude conventional financing are probably at least a year old. It also suggests that they Buyer's debt ratio is not unreasonable (if it were, they wouldn't be able to save the down payment).

An axiom of mortgage lending is, "Low credit requires high down payment." We have some Investors who break this rule by offering 5% down payment financing to Buyers with "C" credit. There are so many "would be" Buyers who meet this profile, your ability to offer this financing will assure a fast, full value sale of your property.

9. Are the interest rates reasonable on these loans, or is this some kind of "loan shark" operation?

The rate on these loans is between that of "perfect credit" lenders and "bad credit" lenders. To most people who fail to qualify for the best rates, these rates are excellent. Typical "bad credit" rates are 8% to 10% above perfect credit rates.

No, these are not "loan sharks". Most of our Investors are large insurance companies and financial conglomerates. You would recognize their names instantly. However, to avoid raising stockholder concerns, they prefer to buy these loans through wholly owned finance companies that are less well known.

10. Can I use the Easy Mortgage Money system to sell other types of real estate?

Yes. This system is used for apartment buildings, commercial properties, raw land and even properties for charitable organizations. However, the loan limits are based on the value of the property, not the income potential of any business conducted thereon. Mobile homes are not considered real estate unless they are permanently installed on their own land (not in a park).

11. Is the sale of my home really final with the Easy Mortgage Money system, or am I still responsible for it in some way?

There are laws and banking practices that extend a homeowner's responsibility for certain problems in the home beyond the term of ownership e.g. radon, asbestos, and title problems. With the Easy Mortgage Money program these types of liabilities will not be greater than the norm and will be less in some cases. Your sale of the mortgage note to the Investor is "without recourse," meaning that you cannot be held responsible for any failure to pay by the Buyer.

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Bill Bowen Associates

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