First Name:
Last Name:
Email address:

(Example: bob1642@aol.com is CORRECT
where bob1642@aol or bob1642 are INCORRECT)

How Would You Like Your Mortgage?

Do you want TD Bank mortgage, Scotia Bank mortgage or ING Direct mortgage?

I do all of them with one application!

I want you to own your home sooner by paying as little interest as possible over the life of your mortgage.

That's why I offer the ING DIRECT unmortgage® the mortgage for savers.

With the ING DIRECT unmortgage® you'll always get the lowest rate. No hassles, no haggling or running from branch to branch in search of a better rate. Ever!

Plus, you can unmortgage yourself sooner with the most flexible prepayment options available. For instance, every year you can make lump sum payments up to 25% of your original mortgage amount, at any time. No more waiting around for annoying mortgage anniversary dates.

Have some extra cash in your monthly budget? Consider increasing your payments. Having the unmortgage means you can also increase your regular payments up to 25% every year. Why would you want to do this? Easy...

...more of your money goes towards your principal. You pay less interest and save more over the life of your mortgage!

Because inside this website you are about to discover:

• Why you should consider consolidating all your debt into one payment
• How quickly you can lower your monthly payments by 50% or more
• Which financing options are proven to work for you quickly
• What exactly you need to do to get preferred rate
• How to improve your credit rating and credit score
• How you can get a free home appraisal
  

I specialize in debt consolidation strategies for homeowners only. If you are currently renting and need a small loan then please click here.

I’ve already helped thousands of homeowners. I am talking about people like Cheryl and Robert who are now saving over $1,100 every month…

Cheryl and Robert were spending $1,797.00 each month on 2 mortgages and 4 credit cards and I reduced their monthly payments to less than $800.00 dollars.

My FREE information could:

• Save you time
• Save you money
• Help you to improve your credit
• Help you to be debt free much faster
• Help you to avoid disastrous situations
  

As I said, I specialize in debt consolidation strategies which include 1st mortgage refinancing and 2nd mortgage loans up to 95% of your home value.

This work earned me “TOP VOLUME MORTGAGE BROKER AWARD” from mortgage lenders like XCEED Mortgage in 2004, Maple Trust in 2005 and Macquarie Financial in 2007.

But these are not all of the mortgage lenders out there I’ve worked with in my long career.

The complete list of lenders is too long to go over here so let’s just take a look at some important lenders I am working with today…

Most of these mortgage lenders are what we call “A” lenders. They offer great mortgage products and discounted mortgage rates.

Some are “B” & “C” lenders who provide alternative lending solutions for people with less than perfect credit… or unique situation like mortgages for self-employed individuals who can’t prove their income.

In addition to these lenders you may also benefit from my private lender products for difficult situations including foreclosure help.

Whatever your situation… I am confident that you can find my services very helpful.

I know the kind of problems you are facing today because I’ve already helped thousands of people just like you!

Many of them learned the HARD WAY that asking their bank for help was a big waste of time and going from bank to bank or from broker to broker actually hurt their credit score.

You see, multiple loan requests decrease your chances of approval at discounted rates because each inquiry to your credit file may reduce your credit score.

Plus... you may look like unwanted credit seeker which is the last thing you may need right now!

There are many things you could do before you apply for your mortgage.

First... I strongly suggest that you obtain your own credit report with a credit score.

A credit score is a statistical formula that translates personal information from your credit report and other sources into a three-digit score from 300 to 850.

Your credit score is an important indicator of your creditworthiness.

In general, the higher your score, the lower the probability that you will become delinquent on credit extended to you.

Lenders use your credit score to determine if you are a good candidate for credit and likely to pay your bills.

Because your credit report is updated every day, your score is recalculated continuously and therefore your credit score from a month ago is probably not the same score today.

What is used to calculate your score?

• Payment history - Indicates whether you have made your credit card payments, loan payments and other payments on time
  
  
• Amounts owed - Compares how much you owe to your credit limits with various lenders
  
  
• Length of time in file - Indicates how long you have had credit accounts
  
  
• New credit - Shows how often you are looking for new credit and how you handle accounts you have recently opened
  
  
• Type of credit - Considers the type of loans you have - car loans, lines of credit, credit card balances

Top 10 Ways to Improve Your Score 10. Learn what your current FICO® Credit Score is and what appears on your credit report. Score Power® gives you immediate access to your credit report and includes your current FICO score. 9. Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score. 8. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect your score, as you have a greater chance of missing payments. 7. Correct any incorrect information that might appear on your credit report. Visit Fixing Errors on Your Report for more information. 6. If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time. Consider opening new accounts responsibly and paying them off on time. 5. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can meet. 4. If you need help building your credit from scratch or re-establishing credit after bankruptcy or consumer proposal consider taking advantage of secured credit card. 3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed. 2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month. Accounts more than 60 days past due will be indicated on your credit report. And the number one way....? 1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your credit score. Check your Equifax Credit Report now!

When you obtain your credit before applying for a loan or mortgage, you will have the opportunity to correct the wrong information, increase your credit score which in turn could result in lower interest rate on your next mortgage.

You can obtain your credit report online from Equifax Canada, but make sure that you get one with the FICO score.

To view your credit report simply click here to open a new window with Equifax site (this site will stay open) > Click on Score Power "order now" button > register new account > and you will be able to view your credit instantly.

The cost is only $23.95.

If you are married you may want to get one for your spouse as well.

Now that you know your credit score, I can give you a better idea which one of the mortgage refinancing and debt consolidation options you can apply for.

If you would like to eliminate your debt from your life you will need to…

1) Find a mortgage professional who will look after your best interest for the rest of your life. Be upfront with your specific needs and don’t be hiding stuff. You’ll benefit greatly.

2) Stop running from bank to bank or from broker to broker. Your own mortgage professional can do all that for you. This way you’ll get the best deal and protect your credit score.

3) Cut up all credit cards except one or two which you’ll use for emergency purposes only. You don’t need 10 different credit cards and credit lines. They make your bank richer and you poorer. If you cut them up and close the accounts then you will not rack them up again.

Here is what Terry said about my services…

Recent studies reported that people are spending 120% to 130% of their incomes on all living expenses.

This means that for every $1.00 you bring home you are spending as much as $1.30 on living expenses including mortgages, loans and credit card bills!

	Does it make you mad that you are deeper in debt today than you were 10 years ago?
	Are you staying up till 3:00 o’clock in the morning thinking about it?
	Are you scared or unsure how to solve this specific problem?

...OR, perhaps you are just worried you should do something about your situation before it’s too late.

I don't just provide a quick fix solution to your problems I give you a long term solution which puts you back in control of your financial future…

Here Are Some Financial Disaster Warning Signals...

Please ask yourself these 3 questions:

• Spending increasing amounts of your income to pay your bills
  
• Putting off paying your bills for few days because you don't have enough money to cover them
  
• Being near, at or over the limit on your credit cards
  
• Making only minimum payments on your bills
  
• Juggling credit card bills
  
• Paying only minimum monthly payments on credit cards
  
• Using credit card for monthly expenses because you don't have cash to pay for them
  
• Paying bills with money which was supposed to go for something else like kids tuition or your retirement
  
• Have no savings
  
• Having your credit cards cancelled by the issuer because you have been consistently over your limit
  
• Had your auto or life insurance cancelled because you missed payments
  
• Putting off medical visits because you can't pay for them
  
• Working overtime or two jobs
  
• Received utilities shut-off notices in past
  
• Being overdrawn on your bank accounts
  
• Worrying about your money
  
• Argue with your spouse about money problems
  
• Being afraid that someone can find out how far in debt you are
  
• Drinking more alcohol

If you answered yes to one or more of the questions, you may or may not have cause for alarm, depending on the context of your answers.

However, if you are drawing down your savings to make minimum monthly payments on your credit card bills then the alarm bells should be ringing LOUD and CLEAR.

If you answered yes to many or most of the warning signals, you definitely have a problem and you should seriously consider taking advantage of my services before it's too late!

My clients come to me from all walks of life…

They are factory workers, construction workers, self-employed individuals, realtors, government employees, police officers, firefighters, nurses, doctors, dentists and yes, also bank employees and yes... EVEN bank managers!!

	Improve your credit rating so you can always get the lowest rates
	Consolidate your bills so you can enjoy one monthly payment
	Slash your budget so you can finally start saving.

You can be up and running within as little as 20 minutes from now…

...and since I work fast, it’s possible you’ll see your first savings by the end of the next month!

Click Here if you are ready to get started.

Here Is How It Works...

• IT ALL STARTS with filling out this form – this part takes about 10 to 15 minutes (and this is also where you tell me about your problems, goals and objectives!)
  
  
• YOU’LL receive quick response from me – this is where I will go over all of your financing options!
  
  
• YOU’LL then decide which financing option best suites your current needs – Don’t worry I’ll make it really simple for you!
  
  
• YOU’LL select your financing option - I’ll match you with a lender who offers the best rate for that product (This is where you’ll protect your credit rating!)
  
  
• LENDER issues approval in as little as 1 hour and you'll receive it the same day or overnight!
  
  
• YOU’LL review the offer in the comfort of your home, call or email me with any questions. Then simply deliver your signed approval back to me and...
  
  
• I’LL deliver it back to the lender who will take up to 48 hours to review and provide us with outstanding conditions list (if any).
  
  
• YOU’LL satisfy outstanding conditions (income, lawyer info, etc.) and your new mortgage loan is ready for funding!
  
  
• YOUR LAWYER receives closing instructions - and pays off your debt in full, and...
  
  
• YOU ARE BACK ON THE RIGHT TRACK!!

As you can see this is not that difficult and most of all there is NO PRESSURE whatsoever...

I arrange everything and you just meet with your own lawyer to close it.

Would You Like To Slash Your Payments by 50% or More Starting Next Month?

There could be up to 5 financing options for you to choose from. Some will require mortgage refinancing and other will involve second mortgage or home equity line of credit.

I will present you with all of your financing options and recommend one that makes the most sense to me BUT it will be YOU who decides which one fits your current needs.

FOR EXAMPLE: If your home value is $300,000 and your current mortgage balance is $185,000 then your home equity is $115,000.

You could tap into this home equity and pay off some or all of your credit cards and loans to make your life easier.

Now, let’s say you also owe $10,000 on line of credit... $25,000 on a bank loan and... $50,000 on 7 credit cards.

In total you are spending $3,488.99 while you could be paying only $1,681.02 and reduce your monthly obligations by 51.82%.

Debt Consolidation Strategy # 1
Second Mortgage Up To 90%
of Your Home Value

One way to consolidate credit card bills into one payment is by obtaining a second mortgage.

A second mortgage is a junior lien that stands second in line to a first mortgage or in other words a second mortgage loan is subordinate to first mortgage loan registered against your home.

Your home can have multiple loans registered against your home... first mortgage, second mortgage and even a third mortgage but lenders don’t like to do third mortgages.

Some lenders refer to second mortgages as home equity loans or home equity line of credit, but if these loans are registered behind your first mortgage then they are second mortgages.

2ND MORTGAGE EXAMPLE:

Say your home value is $200,000 and you owe $120,000 to XYZ Mortgage Company who has first mortgage registered on the title of your home. Your remaining home equity would be $80,000. Now let’s say you need $50,000 loan to consolidate your credit card bills.

You could tap into your available home equity and apply for $50,000 2nd mortgage which will be registered in a 2nd position on the title of your home right behind XYZ Mortgage Company.

Second mortgage loan is riskier loan for the lender and that’s the main reason why second mortgage lenders charge higher interest rates.

To provide you with good second mortgage interest rate your loan must be CMHC insured where mortgage default insurance premium is added on top of your basic loan amount.

CMHC currently charges 4.25% insurance premium for 90% LTV. In this example $2,125.00 dollars would be added to basic loan amount of $50,000 making total loan $52,125.00.

CMHC insures second mortgages only to 90% of your appraised home.

In addition to CMHC insurance fees, second mortgages closing costs may include PST calculated on CMHC insurance premium, lender fees, brokerage fees, legal fees plus disbursements & GST… and appraisal cost (if any).

All closing costs are disclosed to you on a statement of mortgage at least 72 hrs before you are asked to accept the mortgage commitment.

To learn more about your second mortgage options please click here.

Refinancing of your existing mortgage should provide you with the lowest interest rate.

Previously, CMHC (Canada Mortgage Housing Corporation) would not insure the lenders mortgage if the new money was used for debt consolidation but in the spring of 2001 they finally made changes to this guideline and introduced CMHC Refinance program.

Today, it is possible for some home owners to refinance their existing mortgage up to 95% home value and use the new funds to pay off credit card balances, loans and existing 1st or 2nd mortgages.

This is good news for many homeowners, but unfortunately not all will qualify due to credit or debt service ratio restrictions.

Recently there were more enhancements to this refinance program which is now offered by all three mortgage insurers CMHC, Genworth Financial and AIG.

One of such improvements was the addition of mortgage for self-employed people without income verification.

Self-Employed borrowers and Commissioned Sales people that cannot provide traditional income verification may now qualify for a high ratio mortgage to 90% of home value and enjoy discounted mortgage rates through some lenders.

Insurers will usually determine your property value by comparing your home to their database of the most recent comparable sales in your area but in some cases they may order home appraisal.

Mortgage default Insurance premium is calculated on actual LTV % (LTV = Loan-to-Value) and amortization.

If you keep your amortization unchanged then the insurer will charge insurance premium only on the new money. This is called a “top-up” premium.

However, if you change your amortization then mortgage insurance premium will be calculated on the total loan amount.

Longer amortization provide lower monthly payments but extending your amortization beyond the traditional 25 years will result in 0.20% surcharge in premium for every 5 years.

Maximum amortization for high ratio mortgages is 35 years and mortgages for self-employed or commissioned people will have higher insurance premium then mortgages with confirmed or proven income.

You will also have a penalty to break your current mortgage which is usually 3 months interest or interest differential penalty.

This penalty is paid from the new mortgage proceeds so you don’t need to come up with that cash up front.

Mortgage insurance is added on top of the basic loan and your only other cost is legal fee which is deducted from loan proceeds.

To obtain your free mortgage refinancing quote please click here .

Debt Consolidation Strategy # 3
Consider Uninsured Alternative First Mortgage To 100% of Your Home Value

Not everyone can take an advantage of the first two option above - it does require squeaky clean credit but what if your credit is not exactly perfect?

Thanks to alternative lending programs you still may be able to consolidate credit cards and enjoy one monthly payment.

The interest rate is not discounted and is usually just above the bank posted rates.

Alternative lender 100% refinancing option unlocks all your home equity.

There are no CMHC mortgage insurance premiums charged on alternative mortgages but there may be a lender fee added to your basic loan.

Unique products like Home Equity VISA to 85% of home value are great for self-employed individuals who can’t confirm income.

I offer many alternative solutions designed to help you to qualify for a mortgage even when you are just discharged from bankruptcy.

Whatever your situation... I will do my best to find a lender for you too!

To obtain free alternative mortgage quote click here .

Many people make the mistake refinancing their mortgage with their own bank and end up paying more interest!

Banks charge their customers what’s called “bank posted rates” that can be as much as 1.5% higher than discounted rates offered by some of the other lenders.

Now, I don't want to bash the banks here... they do give huge discounts to my clients!

You see, I have what’s called a “Preferred Broker Status” with many lenders and therefore I get “Preferred Rates” for my clients.

These preferred rates are only accessible through selected "Preferred Brokers"...

…So I know that if you want to have the preferred rate mortgage then you’ll need to deal with someone like me who has the preferred broker status.

To get the absolute lowest rate on the market you’ll need to have good credit with good credit score.

I will take time to explain what you need to do to improve your credit score so you too can qualify for a preferred rate mortgage.

...OR just follow the steps in my credit guide which you'll receive from me free of charge couple days after you apply on my secure server.

My goal is to provide you with the best mortgage so you can be debt free sooner rather than later.

This kind of mortgage should have:

	Preferred rate so you pay the least amount of interest on your mortgage!
	Accelerated payment options so you can reduce your effective amortization
	Flexible pre-payment options so you can increase your payments by at least 20% and down pay the balance owing each year by 20% or more!

NOW I want you to CALCULATE how much you are spending each month on all your living expenses and then compare them to your take-home-pay.

Do you allocate 20% of you budget to your savings account?

If you are not saving then you should consider these solutions…

Selling your home to downsize – cost too much in real estate commissions and moving costs!


Get a higher paying job or second job – not easy to do in slow economy!


Not double but TRIPPLE your credit card payments - not easy if you are already struggling to make ends meet!



OR...



Let me help you to get a fresh start right now…

You could be debt free faster than you think!

Debt consolidation through mortgage refinancing or second mortgage is a good thing because you are converting your bad consumer debt to good consumer debt!

• YOU COULD enjoy one monthly payment!
  
  
• YOU COULD lower your monthly budget starting next month!
  
  
• YOU COULD pay less interest!
  
  
• YOU COULD finally start saving your money!
  

And let’s not forget that when you take advantage of my professional service, there are…

• NO office visits!
  
  
• NO time consuming appointments!
  
  
• NO application fees!
  
  
• NO multiple credit inquiries!
  
  
• NO surprises!
  

If you answered "YES" and you want to take advantage of my proven mortgage services then – Here are 3 easy ways for you to get started:

1. CLICK HERE TO SEND YOUR REQUEST OVER MY SECURE SERVER where all your information is encrypted to protect your privacy.
   
   
2. CLICK HERE FOR PRINT & FAX FORM
   If you prefer faxing your request to me then print my 'printable' form and fax it to me toll free fax number 1-888-415-4096
   
   
3. MAIL YOUR REQUEST
   If you prefer using "SNAIL MAIL" then mail the 'printable' form to our address: VERICO Mortgage Network London Inc. Attn: Joe Malek, 321 Springbank Drive, London, Ontario, N6J 1G6
   

For overnight service and to qualify for your bonuses please use the secure server option. Your request will get a top priority and you could receive your approval in less than a day!

REMEMBER: It costs you NOTHING to get started and most of all there are NO obligations. If you are not satisfied with my offer then you can cancel at anytime and you'll still get to keep my credit guide -- no matter what you decide!

Sincerely,

Joe Malek, Mortgage Agent
Direct Line: 519-488-2017

P.S. People keep telling me they can’t BELIEVE how much they are saving each month with their new mortgage that got their credit card debt consolidated into one payment. Even when they had a bad credit rating and were ready to declare bankruptcy, get some kind of credit counseling or proposal to creditors.

But I work hard and people actually ask me if I could invest their savings. After all, they’ve already tried everything else.

So I just want to reassure you that I am here to help you to solve your problems, achieve your goals and objectives.

P.P.S. That's all it's to it... no running around... no time consuming appointments... no office visits... and the lowest rates around GUARANTEED!