Money Saver Service

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In an informal survey taken by Mortgage-Helper.com, more people complained about having a prepayment penalty they were not aware of than anything else. The typical prepayment penalty equals approximately five monthly payments, so it's no small figure. There is a way you can guarantee yourself of having no prepayment penalty, and it's on the Truth-in-Lending. If you'd like my help, this is part of the 10-Point Loan Check-Up.

Is the escrow company throwing in their own bogus junk fee too?

It seems everyone is jumping on the junk fee bandwagon these days! Now that escrow companies have observed the extra profits the mortgage companies are raking in through stupid, nonsensical fees, many of them are now adding an extra fee or two themselves.

Are You Getting a Good Deal on Your Loan?

Mortgage rip-offs are so common, even the politicians are getting involved. Senator Hillary Clinton suggests people need an unbiased resource to find out if their loan is a rip-off or a good deal...

"Mortgage Expert is an Advocate for the People!"

Carolyn Warren, author of Mortgage Rip-offs and Money Savers says:

I point out the rip-offs, bad loans, junk fees, and over-pricing with a thorough, 10-Point Check-Up on your loan. If I don't save you at least double my fee, you pay NOTHING, so there's no way you can go wrong.

I will review and analyze your loan by looking at your two best offers, so you are assured of getting the best deal.  Simply provide a Good Faith Estimate and Truth-in-Lending from one or two lenders of your choice (bank, mortgage broker, direct lender, credit union, or any lender).

If I cannot save you money on your best offer, I will not ask for your credit card number to take a payment. On the other hand, if I can save you at least double the fee ($97 or $67 for book buyers), then I will prepare a detailed, written report covering 10 points, including my personal recommendation regarding your loan. At that time, I will call you to let you know your 10-Point Loan Check-Up is ready and take your credit card information over the phone.
 
You will receive a written report via email, so you receive it immediately.
 
With over a decade of experience in all aspects of the mortgage lending industry, you are getting the best in expertise and the most comprehensive analysis of your loan.
 
The Money Savers Service is 100% guaranteed to save you money.  If, after reviewing your Good Faith Estimate, I find you have an excellent loan and am unable to save you at least DOUBLE, you pay nothing. You can't lose with a guarantee like that.

You'll feel good knowing you can sign your loan documents with confidence. Skip the stress and sleep soundly with the assurance of excellent financing.

"We saved almost $600 in up-front costs on our refinance from our local bank, so it's not just the brokers you have to watch out for.  That was money in our pocket."

-- Ginny Washington, Atlanta, Georgia

"I got the house! I just wanted to let you know and thank you for all of your advice and kindness. My mortgage brokers ended up bending over backwards to make the deal work and even lowered my rate at closing--I really believe it was all from your book and advice from your Money Saver service. I kept catching their tricks, and it wore them down to the point of decency."
-- Elizabeth R. Mueller, Portland, Oregon

(Carolyn's note: This was a so-called Upfront Mortgage Broker, so it goes to show you must not put blind faith in anybody.)

"Carolyn helped us save over $1,000 in closing costs when we bought our condo, and we have excellent credit."
-- Brian Smith, Woodinville, Washington

"They make it impossible to tell which loan is best, because they all call their fees something different.  Carolyn saved me many thousands of dollars by showing me which was the best deal on my refinance.  This was more than worth it."

-- Danny Burton, Dallas, Texas

"Though I try not to be, I'm sometimes a bit of a worrier. Having Carolyn's Money Saver service literally did allow me to sign my loan documents with confidence. What price tag can be put on going to the mortgage closing with peace of mind?"
-- H. Amaker, Raleigh, N.C.

Double your Savings, or it's Free!

  How the "Money Savers" Service Works:

* Click on the link below. It takes you to a secure page where you input your name and contact number.

* Then you receive the fax number and email (your choice) for sending your Good Faith Estimate.

* I analyze your loan and give a thorough 10-point report that includes my recommendation.

* Either you save DOUBLE the cost or there is no charge to your credit card.  In other words, you come out ahead, or it's free.  There's no way you can lose. When your 10-Point Loan Check-Up is complete, I will call you to take payment over the phone. (Normal completion time is 24 hours or less. I can take Visa or MasterCard.)

* $30 discount to those who purchased my book, Mortgage Rip-offs and Money Savers. Standard fee: $97.

CLICK HERE TO APPLY

Recent Examples of Savings for Clients:

* L.C. got rid of a $485 Doc Review Fee, a $200 Realtor Admin Fee, and had a Settlement Fee of $650 reduced to $200, for a total savings of $1,085.

* S.K. saved $4,566! The loan officer tried to charge a 2% Broker Fee in addition to the .5% Discount Fee of $1,141.

* G.S. saved $300 in Title company junk fees. His mortgage broker was excellent, but the Title company tried to slap on three extra fees that we refused!

* A.S. saved $1,840 ($1,275 in lender's fees and $475 in escrow fees),

* V.K. saved $1,042 by getting rid of lender over-charges.

CLICK HERE TO APPLY