The Lowest
Mortgage Payment Available!
The
Best Value in Mortgage Programs Today!
"A tax-advantaged
mortgage which would require me to only pay HALF
of what I'm now paying? No principal required to be paid? I can
use the dollars which would normally go to principal to build
my financial assets? I'll get ALL of my mortgage
payment as a tax deduction? I have the choice of refinancing or
Purchasing a home through this program? ARE YOU SURE?"
Yes to
all of the above and more! For months now we have been
researching the most dynamic and advantageous mortgage program
to enter the marketplace in years! Unbelievable, you pay INTEREST-ONLY
when you write your monthly mortgage payment at a rate the
lowest since mortgages have been made!
As you know, the standard amortized Principal
& Interest mortgage requires that Principal and Interest be
combined in your monthly payment; however, it is many, many years
before you begin to experience that principal portion as having
any effect on reducing your loan amount…THE GREAT MAJORITY
OF YOUR HIGHER MONTHLY PAYMENT GOES TO INTEREST YEAR AFTER YEAR.
In today's economy, it has become increasingly
difficult to balance the cost of living with a solid and necessary
savings plan which we all must have. This program allows you the
privilege of acquiring capital assets with the dollars you save…with
no penalty assessed should you wish to pay toward your Principal
Reduction. In fact, your loan is "recast" (the balance
is re-computed) should you do so, making your payment even lower!
Based on our analysis of the LIBOR (London Interbank
Offered Rate) over the last 2 decades, we have found consistently
lower rates than fixed term loans with extraordinary savings to
the borrower; however, the availability has not been accessible
in a structured residential program which could be widely endorsed
until now. The LIBOR Index of interest rates is based on the flow
of American dollars through international banking. Historically
the LIBOR has been lower overall than the Index issued here in
the United States, which is based on U. S. Securities financial
instruments.
Just how good are these rates? This year,
for under 5% consistently…month after month.
Here's a sampling of the LIBOR from January, 1999 through April,
2002; add 2.25% on either the 1-MONTH
LIBOR (changes monthly) or the 6-MONTH LIBOR (changes twice annually)
and you have your effective interest rate on which your monthly
payment is based!
- EXAMPLE: In 3/02 the 1-MONTH LIBOR WAS
1.880; Your April rate would be 4.130%.
- EXAMPLE: In 3/02 the 6-MONTH LIBOR
WAS 2.332; Your April rate would be 4.582%.
AND…the next month was even lower!
LIBOR HISTORY - 1/99 THROUGH
4/02
|
_
|
1-Month
|
3-Month
|
6-Month
|
1-Year
|
|
Jan-99
|
4.946
|
5.032
|
5.036
|
5.108
|
|
Feb-99
|
5.003
|
5.065
|
5.168
|
5.405
|
|
Mar-99
|
4.940
|
5.009
|
5.083
|
5.307
|
|
Apr-99
|
4.902
|
4.993
|
5.075
|
5.303
|
|
May-99
|
4.930
|
5.053
|
5.193
|
5.503
|
|
Jun-99
|
5.223
|
5.355
|
5.633
|
5.803
|
|
Jul-99
|
5.178
|
5.320
|
5.680
|
5.836
|
|
Aug-99
|
5.370
|
5.505
|
5.913
|
6.023
|
|
Sep-99
|
5.396
|
6.083
|
5.974
|
6.053
|
|
Oct-99
|
5.410
|
6.218
|
6.144
|
6.313
|
|
Nov-99
|
5.503
|
6.122
|
6.063
|
6.261
|
|
Dec-99
|
5.832
|
6.005
|
6.136
|
6.508
|
|
_
|
1-Month
|
3-Month
|
6-Month
|
1-Year
|
|
Jan-00
|
5.856
|
6.049
|
6.238
|
6.659
|
|
Feb-00
|
5.907
|
6.104
|
6.328
|
6.760
|
|
Mar-00
|
6.133
|
6.289
|
6.530
|
6.970
|
|
Apr-00
|
6.197
|
6.393
|
6.614
|
6.964
|
|
May-00
|
6.641
|
6.838
|
7.064
|
7.453
|
|
Jun-00
|
6.649
|
6.778
|
7.014
|
7.214
|
|
Jul-00
|
6.625
|
6.715
|
6.887
|
7.047
|
|
Aug-00
|
6.628
|
6.684
|
6.831
|
6.978
|
|
Sep-00
|
6.620
|
6.816
|
6.761
|
6.811
|
|
Oct-00
|
6.621
|
6.755
|
6.721
|
6.725
|
|
Nov-00
|
6.827
|
6.735
|
6.678
|
6.618
|
|
Dec-00
|
6.565
|
6.403
|
6.208
|
5.997
|
|
_
|
1-Month
|
3-Month
|
6-Month
|
1-Year
|
|
Jan-01
|
5.622
|
5.518
|
5.361
|
5.284
|
|
Feb-01
|
5.278
|
5.103
|
4.955
|
4.925
|
|
Mar-01
|
5.078
|
4.877
|
4.711
|
4.670
|
|
Apr-01
|
4.435
|
4.312
|
4.231
|
4.330
|
|
May-01
|
4.059
|
3.999
|
3.990
|
4.259
|
|
Jun-01
|
3.835
|
3.791
|
3.827
|
4.055
|
|
Jul-01
|
3.760
|
3.677
|
3.694
|
3.835
|
|
Aug-01
|
3.584
|
3.487
|
3.479
|
3.600
|
|
Sep-01
|
2.637
|
2.597
|
2.532
|
2.650
|
|
Oct-01
|
2.321
|
2.232
|
2.173
|
2.311
|
|
Nov-01
|
2.145
|
2.080
|
2.101
|
2.492
|
|
Dec-01
|
1.876
|
1.883
|
1.983
|
2.445
|
|
_
|
1-Month
|
3-Month
|
6-Month
|
1-Year
|
|
Jan-02
|
1.829
|
1.862
|
1.989
|
2.420
|
|
Feb-02
|
1.883
|
1.920
|
2.068
|
2.496
|
|
Mar-02
|
1.880
|
2.031
|
2.332
|
3.006
|
|
Apr-02
|
1.842
|
1.913
|
2.100
|
2.613
|
|
May-02
|
1.844
|
1.896
|
2.090
|
2.634
|
Here's a few key factors which apply to
this Program & the Benefits associated with it:
- The minimum loan amount is $100,000;
the maximum is $2,000,000.00.
- Your credit scores must be at a defined,
responsible level.
- You have the choice after a full 10 years
of interest-only payments to convert to a fixed or adjustable
rate…Your Choice…for the remaining 15 years of the
25 years with this remarkable mortgage.
- You have a choice of basing your mortgage
on either the Monthly or 6-Month LIBOR rate.
Make note of just a few of the ways in which
this program puts you in a win-win position:
- The wealth-building possibilities for
your family are greatly enhanced as you wisely diversify your
assets.
- Your property appreciation continues
year after year.
- You can finally look at the exciting
prospect of moving into a larger house…with the same or
less of a payment as you are now paying!
- Utilize the principal savings to pay
off debt…know the joy of being debt-free!
- Eliminate the need for Jumbo or Super-Jumbo
loans at higher rates!
- Self-employed or Commissioned in your
work? Have a house to sell?
A higher mortgage balance today that can be reduced in the future
to a comfortable level…timed at your discretion. It has
been called by some as the most stress-free mortgage available!
Here's several examples:
|
LOAN AMOUNT
|
MONTHLY PAYMENT
(30 year fixed @ 7%)
|
MONTHLY PAYMENT
(Interest-Only @ 4%)
|
| |
|
|
|
$100,000
|
$666
|
$333
|
|
$300,000
|
$1998
|
$1000
|
|
$500,000
|
$3300
|
$1666
|
Calculation Formula: LOAN AMOUNT
x INTEREST RATE (2.25% above the low LIBOR rate averaging 2%+)
divided by 12 = MONTHLY PAYMENT.
Go to TODAY
& TOMORROW! in our
Save $$…Financial TIPS section and check out the LIBOR rate
for today in our Real-Time LIVE Financial Reports provided
for you. We would be delighted to provide a no-cost analysis for
you to determine whether this program would be ideal for you.
Your
FREE PreQual-Analysissm
will allow us to provide you with the answers!
- Click the Lighthouse at top left to
return HOME at any time
|
