The Mortgage Advantage™

“Discover Surprisingly Stressless, 3 Step, Mortgage Shopping Method Avoids Crooked National Companies Getting the Best Rate & Lowest Costs Locally in 20 Minutes…Saving $1,000’s
…100% Guaranteed!”

Dear Mortgage Shopper,

We start with a statement of fact:

Americans Don’t Know How To Correctly Shop For a Mortgage!

My name is Rob K. Blake and I’m a 15 year veteran of the mortgage industry with my business partner, Terri Ewing. I’ve arranged loans for thousands of clients, educated thousands more and a recurring theme for most mortgage consumers is disturbing and costly.

Mortgage Shopping for most homeowners goes like this:

Starting over every time you need a mortgage with a new provider

Wasting hours, even days, getting referrals, finding new providers, and calling each one

Succumbing to TV or Radio Advertisements for convenience

Comparing confusing loan options between the new providers

Even after selecting one, continued worries about costs, rate locks, and closing times…will they be delivered as promised?

You Shop for a Mortgage Like You’re Buying a Bottle of Ketchup!

The way you are brainwashed into shopping for a mortgage is designed to put you at a disadvantage!

In other words, you are trained to see a mortgage as a product you buy from the provider with the lowest “estimate” of rate and/or closing costs. On the surface, you’d think shopping this way was correct, but given the routinely used industry loopholes, you’d be wrong! Comparative price shopping works for a bottle of ketchup but it is completely useless when mortgage shopping.

This “comparative price shopping” method is as bad for mortgages as it would be for many other professional services.

For example, if you need an tax accountant, you don’t get estimates from 3 accountants and go with the cheapest one. With an audit, jail time, or missed tax savings on the line, you’d pick using a much more refined selection process.

If you needed open heart surgery, you wouldn’t get 3 estimates and let the cheapest surgeon cut you open…would you?

It’s Not Your Fault You Don’t Shop Correctly For a Mortgage

See, the banking industry does not want you to know how to shop for a mortgage and they spend a ton of money to keep what I’m going to show you hidden. They won’t make as much money if you are informed. As it is, the American mortgage shopper is the lamb, and the mortgage banker or broker is the wolf waiting around the corner to gobble you up…and that’s how they want to keep it!

So, What’s The Alternative?

First, stop thinking of a mortgage as a regular product. Seek the right local mortgage provider, and the loan takes care of itself.

Second, use The Mortgage Advantage™ to get a trustworthy, local, expert mortgage provider- One of The Mortgage Angels- that you can use again and again.

Third, use The Mortgage Advantage™ to insure you get the lowest cost loan every time.

The Mortgage Advantage™ is easy to learn and apply knowing only 5 basic principals:

B.rokers Only

U.nderstanding Terms and Documents

I.nterviewing Potential Providers Properly

L.ocking Rates Properly

D.eveloping a Long-Term Relationship

“Hey, Rob, I See One of the Principals is ‘Brokers Only’….Why?”

A Bank Mortgage Is Simply the Most Dangerous and Expensive Route Available!

The big bank’s reputations for taking advantage of consumers is getting widespread attention!

Recently consumer groups like the Association of Community Organizations for Reform Now (ACORN) and The Neighborhood Assistance Corporation of America (NACA) have called Wells Fargo and Countrywide Home Loans…the nations 2 largest mortgage banks…predatory lenders.

That is a serious indictment which requires proof. The predatory lending practices these consumer groups have proved and documented include:

Financing Excessive Fees into Loans
Charging Higher Interest Rates Than A Borrower’s Credit Warrants
Prepayment Penalties
Making Loans Without Regard to the Borrower’s Ability to Pay
Yield Spread Premiums
Unnecessary Single Premium Credit Insurance
Loan Flipping or What I Call Serial Refinancing
Home Loans Also Secured by Cars
Hidden Variable Interest Rates
Loans for over 100% Loan-to-Value Ratio
Live Checks In the Mail To Entice Desperate Homeowners
Call Provision or Balloon Payments
Disguising Actual Monthly Payment Amounts by Hiding Costs of Taxes and Insurance
Crediting Payments Late & Damaging Credit Scores
Reporting Drastically Larger Loan Sizes and Balances to the Credit Bureaus
Open-End Home Loans or What I Call a “Credit Card on Your House”
Adding Fees for Home and Auto Security Plans

All the mortgage banks - including your bank on the corner - take their lead from these 2 Industry Leaders…Ouch!

“Okay, Banks Are Out. Now Tell Me, Who Are These Local ‘Mortgage Angel’ Brokers?”

They are all:

In the top 3% of all mortgage professionals

Average over 10 years industry experience

Signed and committed to an ethical code of conduct above reproach

Dedicated to the industry they serve by volunteering their time

Have passed rigorous background, education, and experience hurdles

Are usually self-employed, so you’ll be dealing with an “owner” not a “salesman”

Understand the value of a “client for life”

“Why Would a “Mortgage Angel” Broker Be Cheaper For Me?”

They are cheaper for you… if you use The Mortgage Advantage™ to interview and hire the “right one”…one who values integrity, truth, and the ‘customer for life’ business model.

‘Mortgage Angel’ brokers are small one or two man operations. They never advertise or have posh offices. They keep overhead down and have the ability to pass the savings on to their clients..the clients who “speak their language” that is.

The Mortgage Advantage™ teaches you just how to “speak their language”and get them to take care of you…not just today, but always.

“How Do I Know This Works?”

As a 15 year industry veteran, I am a member of this “Mortgage Angels” and it’s how I did business every day. You have “Mortgage Angels” mortgage providers in your own back yard. You just don’t know how to find them or how to talk to them once you do.

We did all the hard leg-work for you by ferreting out those mortgage providers who fit our Standard Of “Mortgage Angel” and give it to on a silver platter. This list plus the correct method to interview and hire one of the “elite” is very easy once you know who they are and how to talk to them.

The Mortgage Advantage™ is actually easier to do than the way most Americans shop in the first place. If you can go through that nightmare, you can do this!

“Who Won’t The Mortgage Advantage™ Work For?”

Well, I guess if you can’t look up your state on “The List”, call a few providers, follow the interview questions, and say what you are instructed to say…it probably isn’t for you!

Of course, if you can follow simple instructions - List > Interview> Hire - then it works for you like it has worked for everyone who’s come before you!

Here’s What Others Are Saying:

Dear Rob and Terri:

The Mortgage Advantage not only gives you bedrock info on how the mortgage racket works, it gives you an a-b-c script for finding the best brokers and the best deals. The system comes complete with an interview script that can free a shy or self doubting user from finding and securing a best-deal mortgage.

In three days, I had my broker and my deal–a rock bottom beauty with a less than 1 per cent fee and no hidden costs…

Before I bought The Mortgage Advantage, which is saving me literally thousands in extra mortgage dollars, I was recommending the Mortgage Insiders to friends. Now, I recommend everything the site has to offer.

Rob and Terri are unique people in the business world in general, and without equal in the largely treacherous mortgage industry.

I recommend the Mortgage Insiders and The Mortgage Advantage without qualification.

Mike Wrought

Dear Rob:

VICTORY!

I wanted to let you know yesterday went off without a hitch. I made it perfectly clear that I was not going to be penalized for my commission based income, nor was I to pay any YSP. The look on his face when I quoted him the current rate was well worth the price of my system.

Knowing exactly how much and the means by which he was making his money made the process much less daunting. The confidence I had walking away from the table after locking (in writing) was a wonderful feeling. It’s nice to know you didn’t get conned into buying swampland and a couple of bridges on the side.

You saved me money, time, and much consternation, for which I am truly grateful.

Most of all thank you for your honesty.

Sincerely,

J. Turra

Rob,

I want to thank you for several things and wanted to take a minute to do so.

Using your process that I went through 2 times this weekend, sleeping only 6 hours to do so, I was able to find an outstanding Broker in Marietta, Georgia (about 25 miles North of Atlanta). I found her, and other well qualified Brokers thanks to your guidance.

Out of all the Brokers I contacted, only 3 were willing to work with me on a total 1% commission. So many others would not discuss YSP, wanted 3% commission on a $400k loan we need, tried to explain away the YSP as being GOOD for me and my families future (cough, gag, ah-yaaahh!) or simply refused to discuss anything else with me after I got to question 4-5 on the prepared sheets you created for us.

Thanks to your process, we have saved thousands of dollars, gained a VALUABLE asset in a referable Honest, Integrity Drive, Ethical and family oriented company. I have already sent her 3 of my closest friends! What a reward she has received and we have gained!

Thank you again for your process and for your time, I hope that everyone I send your way, buys your program and that they receive the same benefits and knowledge that I have received from it!

Sincerest Thanks,

Scott Vincent

“What Do I Get With The Mortgage Advantage™”?

You get a “no-fluff”, one-of-a kind, step-by-step, insider guide… an easy to follow manual which shows you:

How to determine if a provider is in the top 3% of mortgage industry professionals

How to quickly determine which provider is ideally suited for you

How to “speak their language” to get the respect that translates into a better deal

How to show your new found industry knowledge about how rates are quoted &mortgage providers compensated to thwart any attempt at overpricing

Step-by-step, exactly what to say and how to say it, to obtain the best rate and costs

A Nationwide List of Mortgage Professionals who meet our standard of “Mortgage Angel” with contact information

How to use The Mortgage Advantage™ to build a lasting worry-free relationship with your local provider

It’s fast, it’s easy to use, and it works!

Before I Tell You What It Costs, I’ll Tell You What It’s Worth!

Not using our mortgage shopping system will assure you use the wrong provider and therefore will undoubtedly end up in the wrong loan, with a ton of “junk fees”, and a higher than necessary rate…or more likely…all three.

Using the wrong mortgage provider:

Will cost you $1,000’s even 10’s of thousands in higher payments due to poor “comparison rate shopping”
Can put you into foreclosure or at least a forced sale due to rising payments
Can cost you $1,000’s in unnecessary “junk fees”
Can guarantee an unnecessary and costly refinance in the future…assuming you could refinance
Can cost you many sleepless nights worrying about the rising rates and slumping values

You Are Experiencing This Right Now or You Wouldn’t Be Reading This!

Now I’ve spoken with past customers, collegues, and other real estate industry experts to determine the value of our mortgage shopping system and they all agreed a $197 value for the information, the time saved, and the savings that will occur every month for years to come once you know how to always get the best rate on your mortgage.

…now I know what you’re thinking…

“Rob, Even Though I Need This, Am I Going To Be Able To Afford It?”

Yes, and let me say…

First, getting a mortgage is your single largest financial decision and you’ll make it on average 7 times in your life…you can’t afford NOT to have this mortgage shopping system!

Second, even though it would pay for itself 50 times over at $197 which anyone contemplating a mortgage can afford, we are offering this at a greatly reduced price.

Wait…There’s More…

The Mortgage Advantage™ Includes:

With our package, you’ll receive the entire The Mortgage Advantage™ Recorded at a Live Seminar in Audio CD Format:

This is over two hours of quality material delivered on two - 1 hour - Audio CDs right along with your System. You can play in your car or anywhere, so you can learn this important information on the go!

This 2 CD audio version alone is worth $99.00 if we sold it as a separate product.

“The List”

You’ll also receive the National List of “Mortgage Angels” Mortgage Brokers.

This has all the mortgage providers that meet our standards of “Elite”. You’ll save hours of time in the hunt for the right local, professional, and ethical mortgage broker. Remember, these folks are not easy to find, they rarely advertise, are have plenty of business from years of operating on a referral only basis. Just exactly who you want and need to care of your mortgage needs both now and in the future.

“The List” is delivered along with the bonuses below on a seperate CD along with the other inclusions of the System.

Wait - There’s Even More!

If you respond immediately, you’ll receive 3 additional Bonus Products!

I’ve got some other valuable Bonus Products for you to sweeten the deal. All these bonuses are FREE and you can download them right along with The Mortgage Advantage™. You can have ALL this downloaded to your computer FIVE minutes from now!

BONUS #1 — The Mortgage Encyclopedia

Order today and you’ll receive our 130 page, Mortgage Encyclopedia called: “Everything You Wanted To Know About Mortgages But Were Afraid To Ask!”

You’ll go back over and over to read clear explanations on not only how things happen in this chaotic industry, but why. You’ll get a “no-holds-barred” behind the scenes perspective. This reference book will be your “go to” guide when a mortgage issue arises.

Also a great read if you a think of adding mortgage services to your business or changing careers. Not available in stores, or at Amazon…only here. This is downloadable right along with The Mortgage Advantage™. This free bonus normally sells for $19 - but it’s all yours absolutely free when you order now!

BONUS #2 — Debt Credit Repair 750

There is a dizzying array of information out there from so-called gurus, and I’ve read it all. Debt Credit Repair 750 reveals the truth, and tells you EXACTLY how to boost your credit score to 750 or high FAST! Never Pay Anyone To Fix Your Credit - do it yourself and save big bucks! You can do it once you have this ebook! (Value $47).

BONUS #3 — Solving the Money Puzzle

Personal finance is a complex subject. This fantastic eBook is just the ticket. 80 pages on Wealth, Fundamentals of Finance, Credit Reporting, Identity Theft, Estate Planning, Investing in your Home, Investing Fundamentals, Investing Strategies, Retirement, and Your Financial Legacy, you’ll soon be on your way to financial stability and freedom. (Value $47).

…all for only $197.00 (Limited Time Offer: $99.00 if you act now!)

The Guarantee:

100% Risk-Free Guarantee:

Worried? Don’t be! Your success with The Mortgage Advantage™ is completely guaranteed. In fact, here’s my 100% Better-Than-Risk-Free-Take-It-To-The-Bank Guarantee:

I personally guarantee that if after a full 60 days, you honestly believe The Mortgage Advantage™ doesn’t work for you, delete it from your computer and I’ll issue you a prompt and courteous refund. Keep the bonus products as our way of saying thanks.

Hey, it doesn’t get much better than that!

You get to try out The Mortgage Advantage™ at my risk, while you see if it works for you or not. And if it doesn’t produce, I honestly want you to ask for your money back.

There is absolutely no risk, whatsoever on your part.
The burden to deliver is entirely on me. If you don’t produce the kind of customer satisfaction that I have told you about above - then I’m the loser, not you.

Order Today…Only $99.00 + $9 S&H!

Order instanly and securely online using your Visa, Mastercard credit or debit card, Discover, or American Express or use your PayPal with or without an account.

Each CD comes in it’s own protective case…see example below:

The Mortgage Advantage Manual + 2 - 1Hr. Audio CDs + The Angels List & Bonuses CD
Limited Time - Only $99.00 plus $9 S&H
Only Colorado orders charged sales tax
credit card

Once you securely order online, our system will process it in real time and send you a confirmation email. We use USPS Priority Mail to deliver your products and send you email tracking once it’s mailed. So use your PRIMARY email address to insure easy and fast delivery.

I look forward to getting an email from you, like Mr. Turra, telling us about your saving $1,000’s on your mortgage. I’d love to hear your success story!