Date:
From: David Wong

Do you know ALL mortgages are NOT created for equal?

There are numerous types of mortgages available from different lenders. Each one offers different variations and each one claims THE BEST.

But, each one is ONLY BEST for the RIGHT TYPE OF PERSON.

Hence, the Wrong Type Of Mortgage Can End Up Costing YOU Thousand Of EXTRA Dollars!!!  

Based on my 6 years Mortgage Reduction Training and Consulting experiences, I discovered that most people know what a Mortgage is, superficially, but when it comes to understanding just how and why it is set up in a particular way, the simple mortgage becomes a very complicated and confusing issue.

	THE TRUTH OF MORTGAGE REDUCTION For the benefits of the PROPERTY MARKET, FINANCE and BANKING industry, PURCHASERS and BORROWERS, I find the need to expose the truth of mortgage reduction. And after more than 6 years of data gathering, analysis, generation and evaluation of options, I eventually decided to write an eBook regarding "THE TRUTH OF MORTGAGE REDUCTION". It is now presented to YOU through SUPEX Mortgage Reduction.

You have been waiting for an eBook like this one. Now this eBook is specially designed and written for YOU. With this eBook, YOU will learn how to BLOW AWAY your mortgage as fast as you want and SAVE you a bundle of money.

Here Is What You Will DISCOVER From This eBook:

• How to AVOID unknowingly throwing away thousands of dollars in interest to your mortgage lender? - Do you know there are many different loan types and the wrong type of mortgage can end up costing you thousand of extra dollars? You will discover how to evaluate and select the BEST Loan Type for YOU and how you can AVOID unknowingly throwing away thousands of dollars in interest to your mortgage lender.

• How to select the LOWEST INTEREST RATE PERCENTAGE that you can save more in Total Interest and Total Payment? - Do you know that the wrong type of EFFECTIVE INTEREST RATE can end up costing you thousand of extra dollars? You will discover the Compounding Factor that determine the LOWEST Interest Rate Percentage which you can select for saving more in total interest and total payment.

• How to select the LOWEST COMPOUNDED INTEREST that you can save more in Total Interest and Total Payment? - Do you know that the wrong type of COMPOUNDED INTEREST can end up costing you thousand of extra dollars? You will discover the difference between Daily, Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly, Semi-Annually and Annually COMPOUNDED INTEREST which you can select for saving more in total interest and total payment.

• How to compare and select the BEST PAYMENT FREQUENCY that you can save both time and money? - Do you know that the wrong type of PAYMENT FREQUENCY can end up costing you thousand of extra dollars? You will discover the difference between Weekly, Bi-Weekly, Semi-Monthly, Monthly, Quarterly, Semi-Annually and Annually PAYMENT FREQUENCY which you can compare and select to save both time and money.

• Why you MUST have a PERSONALIZED Amortization Schedule for your loan? - Ok, when a mortgage is originated, the amount to be borrowed, the interest rate and term are defined in an agreement between the mortgage company and the borrower. With this information the mortgage company calculates the amount of the payment. After the payment is calculated, they can then calculate an amortization schedule. The amortization schedule is simply a schedule of principal and interest payment amounts. Do you believe that your mortgage is having a mistake in it? You will discover the TOP TEN REASONS WHY you MUST have a PERSONALIZED Amortization Schedule for your loan!

• How to AVOID Paying HIGHER Interest Charges at the beginning of the loan? - Do you know there is a type of loan which is designed to collect more interest earlier or up front and less interest towards the end of the amortization period? If you decide to pay off the loan earlier, this loan type benefits the lender because more interest has been collected early. You will discover how you can AVOID paying HIGHER Interest Charges at the beginning of the loan.

• How to Plan and Budget for your CASH FLOW, BUSINESS and SALARY? How to make a purchase on a CREDIT PLAN? - If you have cash flow problems, you will discover a type of loan that allows you to plan and budget for your future as a convenient feature to help with cash flow problems, especially around low season time. If your business is doing better than anticipated, you will discover a type of loan that can keep pace with your growing business. If your salary is increasing every year, you will discover a type of loan that can keep pace with your increasing salary. In addition, you will also discover a type of loan that can help you to make a purchase on a credit plan.

• What is FIXED RATE MORTGAGE (FRM), ADJUSTABLE RATE MORTGAGE (ARM) and IRREGULAR PAYMENTS MORTGAGE (IPM)? - Do you know that if you do not know what is FRM, ARM and IPM, you will end up PAYING Thousand of EXTRA and EXCESS Dollars of Interest? Warning! If you have not decided to purchase this e-book, you will end up PAYING Thousand of EXTRA and EXCESS Dollars of Interest!

• Many, Many More... - Many, many more The TRUTH of Mortgage Reduction concepts, examples, tables, personalized amortization schedules that will assist you to evaluate and select the best loan type for your clients, customers, or yourself!

For years, consumers have accepted the terms and conditions handed down to them by lenders, but in the past decade, people have become more aware of the costs associated with ignorance of the subject.

Based on my Mortgage Reduction Training and Consulting experiences and hundreds of homeowners whom I have helped them to save millions of dollars in mortgage interest. I strong believe that you will learn how to BLOW AWAY your mortgage as fast as you want and SAVE you a bundle of money.

 

Mortgage Reduction Added Advantage In this highly competitive 21st century, not only the big eat the small but also the fast eat the slow. Hence, as the Accounting, Banking & Finance undergraduate and scholarship holder, I am strongly confident that the good command of the techniques of Mortgage Reduction would be my added advantage for my future career as well as my financial freedom. Kenson - Kuala Lumpur, Malaysia

WHO Should Buy This Ebook and WHY?

• TRANSFERORS - Individuals, developers and companies who are the Transferors of properties.

However, if you already understood what mortgages are and how they work, then you probably DO NOT NEED TO BUY THIS EBOOK.

For those who are not quite sure of the background details, THIS EBOOK WILL BE WELL WORTH BUYING. I strongly believe that this eBook will enable you to be in a better position to help your clients, customers or yourself to attain the best possible financing available.

Click Here To SAVE 10% - 90% Mortgage Interest and Installments

• List Of Tables - In order for you to understand and compare various loan types, I have included 30 illustrated examples.

• List Of Amortization Schedules - In order for you to analyze and evaluate various loan types, I have included 72 Amortization Schedules.

• Practical Mortgage Concepts - This chapter explains the definition of a MORTGAGE, INTEREST RATE, PAYMENT, PAYMENT FREQUENCY and AMORTIZATION SCHEDULE. It covers the difference between MORTGAGE PERIOD and MORTGAGE TERM; NOMINAL Interest Rate and EFFECTIVE Interest Rate; Daily, Weekly, Bi-weekly, Semi-monthly, Monthly, Quarterly, Semi-annually and Annually COMPOUNDED INTEREST; Weekly, Bi-weekly, Semi-monthly, Monthly, Quarterly, Semi-annually and Annually PAYMENT FREQUENCY; CANADIAN and AMERICAN Mortgage. It also explains WHY you MUST have a PERSONALIZED Amortization Schedule for your loan. Lastly, 26 Personalized Amortization Schedules are included to support 5 illustrated examples.

• Fixed Rate Mortgage - There are many different loan types. Each one differs based on how interest is collected and/or how payments are made. This chapter will explain the Normal, Rule Of 78, Fixed Principal, Interest Only Payment, Percent Step, Graduated Payment, Dollar Step, Skipped Payment, and Extra Payment Loan Type. It also explains the Balloon Payment, Basis Year, Annual Percentage Rate and Exact Day. Lastly, 27 Personalized Amortization Schedules are included to support 19 illustrated examples. And many, many more...

• Adjustable Rate Mortgage - For the past few years, banks and trust companies have been giving their borrowers many options to help them pay down their mortgages. Such options as prepayments, doubling up, and anniversary payments result in paying down the principal faster and saves thousands of dollars in interest. In this chapter, you will learn how you can track your prepayments and extra payments so that you know exactly how much principal remains outstanding. You will also learn how you can keep track of your mortgage or loans as you renew it over its life. Lastly, 7 Personalized Amortization Schedules are included to support 4 illustrated examples. And many, many more...

• Irregular Payments Mortgage - In this chapter, you will learn how you can handle any irregular mortgage or loan scenarios. This includes loans that have fluctuating prime plus one interest rates or payments that have been made at odd or delinquent times. In addition, 7 Personalized Amortization Schedules are included to support 2 illustrated examples. And many, many more...

• The Path To Mortgage Reduction - The Path To Mortgage Reduction involves the payment of additional amounts toward the principal portion of the loan. When you reduce the principal, you reduce the amount of interest charged for the next payment cycle. This is the key factor in reducing your mortgage as fast as you want. You will be surprised when you see the difference that just a few dollars each month can make. In this chapter, you will learn how you can do it yourself and get started now.

• More Than 400 Pages eBook - This eBook is written in HTML Format and compiled by a professional eBook Software which allows you to choose the Home, Back, Forward, Stop, Full Screen, Font Increase, Font Decrease, Print, and Exit Toolbar Buttons. And many, many more...

Click Here To SAVE 10% - 90% Mortgage Interest and Installments

Why Should You Buy This Ebook TODAY?

• Do you know that only $39.74 (4.24%) of the $914.74 payment is used to pay the balance? This means that a whopping of $875.00 (95.66%) of that FIRST payment goes toward interest. (Please refer to installment number 1)

• Do you know that only $500.52 (4.56%) of the $10,976.88 payment is used to pay the balance? This means that a whopping of $10,476.36 (95.44%) of that 12 payments go toward interest. (Please refer to installment number 12)

• Do you know that only $1,673.11 (5.08%) of the $32,930.64 payment is used to pay the balance? This means that a whopping of $31,257.53 (94.92%) of that 36 payments go toward interest. (Please refer to installment number 36)

• Do you know that only $3,118.39 (5.68%) of the $54,884.40 payment is used to pay the balance? This means that a whopping of $51,766.01 (94.32%) of that 60 payments go toward interest. (Please refer to installment number 60)

• Do you know that only $8,377.84 (7.63%) of the $109,768.80 payment is used to pay the balance? This means that a whopping of $101,390.96 (92.37%) of that 120 payments go toward interest. (Please refer to installment number 120)

• Do you know how much of your first, 12, 36, 60 and 120 payments go toward interest, if you have a $250,000 Mortgage?

• Do you know how much of your first, 12, 36, 60 and 120 payments go toward interest, if you have a $500,000 Mortgage?

• Do you know how much of your first, 12, 36, 60 and 120 payments go toward interest, if you have a $1,000,000 Mortgage?

• Do you know how much of your first, 12, 36, 60 and 120 payments go toward interest, if you have a $2,500,000 Mortgage?

That is a good question and I have put a lot of thought behind this.

Let us look at the table below, if you have a $100,000, $250,000.00, $500,000.00, $1,000,000.00, $2,500,000.00 Mortgage, do you know how much Mortgage Interest can you SAVE and how many Number of Months can you SHORTEN?

 

Original Mortgage	Loan	$100,000	$250,000	$ 500,000	$1,000,000	$2,500,000
	Period	360	360	360	360	360
	Interest Rate	10.50%	10.50%	10.50%	10.50%	10.50%
	Monthly Payment	$914.74	$2,286.85	$4,573.70	$9,147.39	$22,868.48
	Total Payment	$329,303.94	$823,261.71	$1,646,522.82	$3,293,068.99	$8,232,658.90
	Total Interest	$229,303.94	$573,261.71	$1,146,522.82	$2,293,068.99	$5,732,658.90
Interest Saving	10%	$ 22,930.39	$5,417.32	$ 114,652.28	$ 229,306.90	$ 573,265.89
	30%	$ 68,791.18	$6,019.25	$ 343,956.85	$ 687,920.70	$1,719,797.67
	50%	$114,651.97	$ 8,598.93	$ 573,261.41	$1,146,534.50	$2,866,329.45
	70%	$160,512.76	$17,197.85	$ 802,565.97	$1,605,148.29	$4,012,861.23
	90%	$206,373.55	$57,326.17	$1,031,870.54	$2,063,762.09	$5,159,393.01
Installments Shorten	10%	36 Months
	30%	108 Months
	50%	180 Months
	70%	252 Months
	90%	324 Months

As shown above, if this eBook can help you to SAVE $22,930.39 to $5,159,393.01 Mortgage Interest, how much do you think I should price this eBook?

It has taken me more than 6 years to complete this valuable eBook. If I charge 1% on the interest saving, then it will cost from $229.30 to $51,593.93.

Think about this, not only that this eBook can help you to SAVE up to 10% - 90% of your Mortgage Interest, it can also help you to achieve the following:

• To payoff your loans before your Children's Higher Education
• To payoff your loans before your Retirement
• To own More Properties
• To own Larger Properties
• To live a Debt Free Lifestyle
• To live a Financial Independent Lifestyle
• Many, many more...

Is there a faster way for a property owner and loan borrower to get Out Of Debt? For many years, the answer has been "NO!" A new day is dawning for people just like YOU - people who are caught in the unending web of debt. This THE TRUTH OF MORTGAGE REDUCTION is now available to YOU.

The good news is that it is NOT 1% on the interest saving which will cost you $51,593.93, $22,930.69, $11,465.23, $5,732.62, or even $229.30.

I am not going to charge anywhere higher to that because I want every one who is serious about BLOWING AWAY their mortgage as fast as they want and SAVING a bundle of money to be able to afford my eBook. That is why the entire THE TRUTH OF MORTGAGE REDUCTION is only USD147.

Special Introductory Offer: Order by MIDNIGHT TODAY and save USD50 off the normal price, get everything for only USD97 (less than what you spend for the Sales & Purchase and Loan Agreement and Mortgage Interest!)

Make no mistake, at this price your investment would be well worth every penny - but I still want to make it even easier to say 'Yes' by throwing in 1 incredible bonus. Take a look at what I have got lined up for you…

Click Here To SAVE 10% - 90% Mortgage Interest and Installments

Order By Midnight, and I will give You USD100 in BONUS GIFTS as my thank you to you for purchasing THE TRUTH OF MORTGAGE REDUCTION!

Free Bonus Gift #1 (USD100.00 Value) Mortgage Life Planning Analysis - It is impossible to navigate an airplane to a predetermined destination unless you know where you are. It does not matter how advanced your navigational equipment might be. If you cannot determine your present position, it will be very difficult to reach a desired destination.

The very same principle is true when it comes to getting out of debt. Three points of reference are needed.

• First, you must know exactly which YEAR you desire to RETIRE.
• Second, you must know exactly which YEARS your children will go for HIGHER EDUCATION.
• Third, you must know exactly the LAST PAYMENT DATE of your mortgage(s) and which YEAR you desire to PAY OFF.

Hence, you will receive a copy of Mortgage Life Planning Analysis Sheet as a FREE Bonus which is designed and developed by me personally. I have also included a sample copy of Mortgage Life Planning Analysis for your reference.

Before you get started your Mortgage Reduction, please spend some time to fill in the form as completely and accurately as possible. When you have completed it, it will help you more clearly understand your personal, family and present mortgage position. With this information in hand, you can begin to decide which loan type or strategy is most suitable, feasible and acceptable to you and manage your finances in a way that will serve your best interest. The importance of this analysis will become more evident as you proceed.

Click Here To SAVE 10% - 90% Mortgage Interest and Installments

Why Pay MORE When You Can Pay LESS? Low-Investment High-Profits!

Since you are so willingly to pay the Sales & Purchase Agreement Fee in order to buy the Property, why not you invest in this eBook to help you save 10% - 90% of the Mortgage Interest and Time?

Since you are so willingly to pay the Loan Agreement Fee in order to obtain the Mortgage, why not you invest in this eBook to help you save 10% - 90% of the Mortgage Interest and Time?

Since you are so willingly to pay $229,303.94, $573,261.71, $1,146,522.82, $2,293,068.99, $5,732,658.90 Mortgage Interest to your Lender, why not you just invest in this eBook to help you save 10% - 90% of the Mortgage Interest and Time?

Since the investment for this eBook is less than what you have spent for the Sales & Purchase Agreement, Loan Agreement and Mortgage Interest, why not you just invest in this eBook to help you save 10% - 90% of the Mortgage Interest and Time?

This is a Low-Investment and High-Profits eBook! ACT NOW! The SOONER you start, the MORE you will SAVE, the LATER you start, the MORE you will PAY.

Click Here To SAVE 10% - 90% Mortgage Interest and Installments

David Wong - Mortgage Reduction Coach