Dear Property Owner and Loan Borrower,

If you say “YES” to any one of these questions, then please read on because you might have Thrown Away Thousands of Extra Dollars in Interests to Your Mortgage Lender due to UNKNOWINGLY The TRUE & FALSE PARTIAL PREPAYMENT.

WHY is it so?

Firstly, let me borrow a Normal Loan Type Personalized Amortization Schedule to expose some facts your lender does not want you to know...

If YOU have a $250,000 Mortgage amortized for 30 Years with an Interest Rate of 6.00%, Monthly Compounding and the Monthly Payments are $1,498.88.

Do you know that...

Table 1: A Normal Loan Type Personalized Amortization Schedule

Table 1 indicates that if you do not make a Partial Prepyment Mortgage Reduction Strategy for your mortgage, then you are required to PAY at least $289,593.09 Mortgage Interest to your lender!

If you wish to save Mortgage Interest, you could carry out a Partial Prepyment Mortgage Reduction Strategy for your mortgage.

However, if you do not know what is the TRUE & FALSE PARTIAL PREPAYMENT, you could end up Throwing Away Thousands of Extra Dollars in Interests to Your Mortgage Lender.

I. TRUE PARTIAL PREPAYMENT

Ok, let us look at the TRUE PARTIAL PREPAYMENT. Table 2 shows that if you CORRECTLY carry out a $50,000 Partial Prepayment for your mortgage, you will DEFINITELY save $158,233.00（54.64%）Mortgage Interest and shorten 138（38.33%）months.

Table 2: TRUE Partial Prepayment Personalized Amortization Schedule

In summary, Table 2 indicates that unless you have the full knowledge of the TRUE PARTIAL PREPAYMENT and the ability to apply it, failing which you will definitely carry out a WRONG $50,000 Partial Prepayment Mortgage Reduction Strategy for your mortgage which will End Up Throwing Away Thousands of Extra Dollars in Interests to Your Mortgage Lender!

Now let us look at the FALSE PARTIAL PREPAYMENT! In fact, there are TWO types of FALSE PARTIAL PREPAYMENT and Table 3 illustrates the First type of FALSE PARTIAL PREPAYMENT.

Table 3 shows that if you WRONGLY carry out a $50,000 Partial Prepayment for this mortgage, you will ONLY save 57,916.05（20.00%).

Table 3: First Type of FALSE Partial Prepayment Personalized Amortization Schedule

In summary, Table 2 indicates that if you UNKNOWINGLY carry out a WRONG $50,000 Partial Prepayment Mortgage Reduction Strategy for this mortgage, you will DEFINITELY End Up Throwing Away $100,316.95 Mortgage Interests to Your Mortgage Lender!

In summary, Table 3 above indicates that if you UNKNOWINGLY carry out a WRONG $50,000 Partial Prepayment Mortgage Reduction Strategy for your mortgage, you will DEFINITELY End Up Throwing Away $289,598.09 Mortgage Interests to Your Mortgage Lender!

If your lender allocates your $50,000 PARTIAL PREPAYMENT into "PRINCIPAL REDUCTION", Table 3 above hightlighted that you can only save some mortgage interest, even though your semi annual or annually bank statements show that your loan outstanding balance and mortgage interest has been reduced.

In summary, if you are unable to DIFFERENTIATE The TRUE & FALSE PARTIAL PREPAYMENT Could End Up Throwing Away Thousands of Extra Dollars in Interests to Your Mortgage Lender.

Table 5: The Difference Between The TRUE and FALSE Partial Prepayment

The problem now is, you are not an Actuary, how can you identify and generate FOUR (4) Personalized Schedules as mentioned above?

Good News! In order to assist you to prevent UNKNOWINGLY carry out a WRONG Partial Prepayment Mortgage Reduction Strategy for your mortgage and throw away Thousands of Extra Dollars in Interests to Your Mortgage Lender, I have developed the following 4 Mocrosoft Excel Templates for you!

• Partial Prepayment - This Microsoft Excel Template can help you to generate the TRUE Partial Prepayment Personalized Amortization Schedule for your mortgage as shown in Table 2.

• Principal Reduction - This Microsoft Excel Template can help you to generate the First Type of FALSE Partial Prepayment Personalized Amortization Schedule for your mortgage as shown in Table 3.

• Advance Payment - This Microsoft Excel Template can help you to generate the Second Type of FALSE Partial Prepayment Personalized Amortization Schedule for your mortgage as shown in Table 4.

In addition, in order to assist you to generate the Fixed and Adjustable Rate Mortgage, I have developed 4 different rates of mortgage software, and each type of this software consists of the following Microsoft Excel Templates.

If you have a $250,000.00 Mortgage, and this The TRUTH of Partial Prepayment Software Package can assist you to IDENTIFY and GENERATE FOUR (4) Personalized Schedules as mentioned above; and ultimately help you to SAVE $158,233.00（54.64%）Mortgage Interest and SHORTEN 138（38.33%）months, how much do you think I should price this software package?

If I charge 1% on the interest saving, the price IS $1,583.23.

What if you have a $500,000.00, $1,000,000.00, $2,500,000.00 or higher Mortgage, do you know how much Mortgage Interest can you SAVE and how many Number of Months can you SHORTEN? Do you know how much is the price?

Good News! For only USD50, you can now own one of the following software!

Special Offer:

Order all the FOUR different rates of mortgage software and you are entitled to 50% Discount, get everything for only USD100 (less than the Thousands of Extra Dollars in Interests that you have Thrown Away to Your Mortgage Lender).