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Mortgage-Helper.com | |
| Your only unbiased source for mortgage and credit information. I don't take applications or "harvest leads." I help people of all credit types avoid ripoffs and save money - since 1999. -- Carolyn Warren |
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Mortgage-Helper.com | |
| Your only unbiased source for mortgage and credit information. I don't take applications or "harvest leads." I help people of all credit types avoid ripoffs and save money - since 1999. -- Carolyn Warren |
New
Information for 2009
 Offered at $175,000 in Winder, GA. |
 Offered at $275,000 in Canton, MI. |
| You Can Become a Home Owner Are you fed up with making the monthly mortgage payments for
your
landlord--helping him get richer and richer--while you throw away
your own hard-earned money? Are you sick and tired of making payments
month after month, yet having nothing of value
to show for it? You're not alone. Now there's good
news for people who are tired of pouring their money into someone
else's investment... People with
credit challenges can still buy a home, even now after the subprime
mortgage meltdown. (Yes, the large subprime lenders have closed their doors, but I have a list of 86 medium and small companies who are specialize in loans for people with credit issues.) In
fact, it's
better than before, because those risky teaser rate loans are gone, and
home
buyers are getting secure 30-year fixed rates instead. Not only that, but prices are down
and interest rates are down! People are taking advantage of the current
economic situation to get a home for less money, with a cheaper monthly
payment. You can enjoy the financial security, deep satisfaction
and
self-esteem that comes from home ownership. No matter
what your credit has been
in the past, don't give up. And whatever you do, don't get left behind! This is an incredible opportunity that is available to you--but only if you take the first step. Your first step is to read this article in its entirety. Please don't just skim through it. I don't want you to miss a single word, because when I demystify how to buy a house with bad credit, you will discover that you can experience the joy and reap the financial rewards of owning your own home! Even if you have bad credit on your record. Has it boggled your mind how other people with poor credit--perhaps even worse than your own--get home loans, while you get turned down? Have you been disappointed time and time again? Or have you been afraid to apply because of your credit? All that is about to change! Get ready to "kiss renting goodbye!" My
name is Carolyn Warren, and I spent over a
dozen years working for some of the largest national lenders:
Countrywide/Full
Spectrum Lending, First Franklin Wholesale Lending, Guaranty Bank, and
others.
I have experience in mortgage retail, mortgage wholesale, and mortgage
brokering. What this means to you is that
I know all
aspects of the mortgage business, and I know how the most unlikely
candidates get approved for home loans. Not only have I closed hundreds of loans for people with
credit
challenges, I also gave presentations to seasoned loan officers and
bankers on how to get their clients with poor credit approved. Getting a mortgage with poor credit is my specialty, and I
know all
the tricks of the trade. (Please read the blue column on the
right, also.) Insider Knowledge
Will Get You Approved I know what goes on behind the scenes in the underwriting department, what it takes to get "an exception" when you don't meet the regular guidelines. I know what the underwriters want to see on the application, and what they want to read in your Letter of Explanation. I know exactly how people with bad credit get approved. I will help you turn a loan denial into a loan approval! I will reveal to you information that a privileged few know, so that you can turn your deepest heart's desire to own a house into reality. When You Know How to Apply for the Right Loan, It's Like Knowing a "Secret Code." Read This Before You Email Me! Every day my email filled up with people pleading for help. They wanted to know how to buy a house, even though they had some bad credit. I was spending my entire evenings, often until midnight and later, sitting at the computer answering these good people. But the problem was, I couldn't tell each one of them everything they needed to know in an email message. It was not practical to write out that many pages of information, over and over again. This is how I came up with a solution: How to Buy a House When You Have Bad Credit is an instant download, so you don't have to wait for the information. I wrote out everything you need to know. And now I've completely updated it for 2009! Simply open it with one click and save it to your computer to read and keep. Print it out, if you like. Do not send me an email asking me how you can buy a house with your bad credit until after you have read this information completely through. The vast majority, if not all, of your questions will be answered there. I put all of the information into a one-of-a-kind download book called How to Buy a House When You Have Bad Credit, and it contains the "secret code." Here's what I mean...
Don't Fill Out Multiple Applications and Get Your Credit Checked Over and Over Again... If you apply for loans all over the Internet, you're just
setting
yourself up for heartache after heartache. Not only is it a
waste of time, but with hits to your credit report by multiple
companies, your credit score may be further damaged.
Credit inquiries count for 10% of your credit score. You don't want to
risk lowering your score, especially if you're borderline or already
have a low score. You can't afford to make that mistake! Lenders can see where you've applied for a mortgage before,
and when see a lot of company names, it makes you look desperate, and
then, like a shark who smells blood, they charge you more.
FREE BONUS!!! #1 The 13-page document written by an underwriter to loan officers, telling them exactly how to turn their loan denials into loan approvals. Use this insider information to get your loan approved! Value: Priceless #2 My list of 86 Subprime Lenders who are still doing loans for people with bad credit, now in 2009. It only takes one lender to say "yes" for you to buy a house, but I give you the list of 86 possible lenders! Risk-Free Guarantee
You have nothing to lose. Order this one-of-a-kind, information-packed book now. It is updated for 2009, so you receive current mortgage information. Yes! Give Me This Now. I Want to Kiss
Renting Goodbye! You Won't Find This Information Anywhere Else! Here's why... Sure, there are plenty of home buying books in the bookstores...however, they are not written by professionals in the mortgage business. They cannot and do not give you the "inside scoop" from someone who's been in mortgage retail and mortgage wholesale, like I have. And they certainly don't include a secret document written by a top underwriter to loan officers on how to get people with bad credit approved!!! Read this feedback from a married couple who was fed-up with renting:"We were tired of throwing our money away on apartment rent, so my husband and I got pre-approved to buy a condo. We had late payments in the past, but had gotten caught up, and we felt we were ready to buy a place of our own. When it came time to close the deal, our loan fell through. We couldn't believe it! As it turned out, the lenders denied us because of our past credit, and the so-called pre-approval was no good. We didn't know what the rules were, so we had no defense.Here is an email I received January 1, 2009: "Carolyn, Thank you so much for making such valuable information available to us. This e-book is informative and very easy to understand. It was money well spent. Respectfully, Mr. L. Alvarez"
Yes! Give Me This Now. I Want to Kiss
Renting Goodbye! Order your copy here. |
Skeptical? Read this Private Message from an Underwriter* to Loan Officers:*
Underwriters approve and deny
loans. "In real estate
there's an old
saying -- it's all about Location, Location, Location. But for
underwriters, it's
all about LOEs, LOEs, LOEs. We cannot emphasize enough the importance
of
Letters of Explanation... "More often than not, the only
difference between a 'Deal or No Deal' is
how you present it," says this top underwriter who approves loans for
people with bad credit and low scores. She goes on to say that 90 percent of the
applications that did not go through could have been approved -- if only
they had
the correct type of paperwork accompanying it. Here is an actual
example she gave of a BAD
Letter of Explanation that got turned down: "I
was sick, missed work, and therefore paid late." That sounds like a
pretty good reason, doesn't
it? And yet she says she cannot approve a loan application with a
letter like
that. Then she went on to explain
exactly what this person needed to do in order to get her to approve his loan! IT'S
SHOCKING! Most loan officers
do not know how to get a
client with bad credit approved. When they submit your loan to
underwriting, it
is turned down, so then they tell you that you can't buy a house. But
that's
ALL WRONG! Look at what this
top underwriter said: Their
loans are being turned down left and right by frustrated underwriters
who can't
believe such junk was put on their desk... I'm not saying borrowers
have to
have pristine credit... The problem is that the loan officers are
accustomed to
the conventional submission process and don't know how to submit
applications
for people who have bad credit to us... Turn
Your Denial into an Approval! Then she said, "I'm
about to place in
your hands one of the most powerful tools there is to make sure you get
your
loans approved by underwriters "the ability to excel at packing a loan
submission!!! How
would you like to get your hands on that secret document
that was passed between this top underwriter and loan officers?
That would help YOU to present your application in the way that gets it approved!
I
have a copy of this 13-page document!
For
obvious reasons, I cannot post this proprietary information on my
website. And I cannot sell it to you, at
any price,
because I didn't write it myself. But I
can offer it to you free of charge, and I am doing exactly that -- but
only to
those who are serious enough about buying a house to take the time to
download
and read the accompanying, very vital information in "How to Buy a
House When
You Have Bad Credit" that I have prepared for you, because if you're
going
to understand this Powerful Tool written by a top underwriter for loan
officers, then you need some background information to go with it. I will not release
this 13-page document to
anyone who isn't interested in also reading "How to Buy a House When
You
Have Bad Credit." No exceptions! But it is my free gift for you when you order "How to Buy a House When You Have Bad Credit." I have another valuable gift for you, too, but first, look at this email I received January 1, 2009: "Carolyn, Thank you so much for making such valuable information available to us. This e-book is informative and very easy to understand. It was money well spent. Respectfully, Mr. L. Alvarez" GIFT #2You may have heard or read that subprime lending is over and that all the subprime lenders for people with low credit scores have closed. That is NOT true! Sure, the Big Boys of subprime—Ameriquest, Household Finance, Full Spectrum Lending owned by Countrywide, Argent, First Franklin, et. al.—have closed up, but there are still dozens of mid-size and small subprime lenders loaning out money now, in 2009! To be exact, I have a list of 86 Subprime Lenders. Do you think it would help you if you had this list? And by the way, don't waste your time applying with a local bank or an online lender with a big Internet ad or any of those Google ads, because they're just going to turn you down because of low credit score. You need a Subprime Lender who specializes in low score loans. I will give you my list of 86 Subprime Lenders as a free gift—in addition to the 13-page document written by an underwriter—when you order "How to Buy a House When You Have Bad Credit." I've been told by professional copywriters that I should sell this package of information for $67, and I'm sure that would be a fair price, but I want to make this readily available to everyone who needs it, so you get both the e-book and my two bonus gifts for only $17.95. That's a twenty dollar bill with change back! Less than an evening at the movies with popcorn and soda pop. And there is NO sales tax and NO shipping charge. Anyone who can afford to buy a house can afford to get How to Buy a House When You Have Bad Credit and get the 13-page underwriting document and list of 86 Subprime Lenders.
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