"How to Escape from Financial Prison"
This FREE report offers you the key from financial prison — “How To Escape From Financial Prison” is packed with insider tips on how to manage debt, reduce interest payments and pay off loans fast while still managing to save for the future.
Inside, you’ll learn:
- How to determine how much equity you have in your home.
- How to harness that equity to pay off your expensive credit card debts.
- How to save money by paying off debt at affordable “mortgage rates."
- How to use those savings to start building your financial future!
Plus a limited time EXCLUSIVE OFFER!
Thanks for requesting this important report on smart debt reduction strategies. My name is Nelson and I’m an expert in reducing the cost of your mortgage!
This report is a vital tool for homeowners like you—people who have a good income and pay their bills, but would like to be debt-free and financially secure while they’re still young enough to enjoy it. Regardless of whether your credit is clean and you’re doing fine OR you’ve had some credit problems and you’re struggling, I can help. By showing you how you’re using too much of your money just to service debt, this report will help you turn your financial situation around—and maybe even help you become wealthy!
Even though we live in one of the wealthiest countries in the world, many Canadian homeowners with good incomes end up “imprisoned” by the very bankers and credit card companies who should be helping them. My job is to break you out of that prison by exposing the shocking facts that banks and credit card companies don’t want you to know.
For starters... did you know that the real interest rate on most home mortgages is about 100%?
The fact is that if you pay off your mortgage over 25 years at a 6% interest rate and paying it monthly, you’ll end up paying for your house about two times. On a $150,000.00 mortgage, your bank charges you $139,935.64 in interest! Add that to the $150,000.00 you borrowed and you’ve paid $289,935.64 for that $150,000.00 mortgage.
Your mortgage is only part of this financial scandal. If you have an average amount of credit card debt, the interest you’re paying is equally shocking. Let’s say you buy $2,000.00 worth of home furnishings on a card with 19% interest and you make the minimum 2% monthly payment. At that rate, it’ll take 265 months—over 22 years!—to pay for your furniture, and it will have cost you nearly $4,800.00 in interest! Think about it...how are you ever going to get ahead when you’re paying over THREE TIMES what things are worth?
As I said, I’m an expert in helping you reduce the cost of your mortgage and other debt. I’ve helped countless homeowners just like you to become debt-free in as little as FIVE YEARS.
How did I do it? Simply by showing them how to change the way they pay their bills and use the value they’ve built up in their home. Ready for me to help you, too?
Together, we can accomplish any or ALL of these goals:
Refinance your home and CONSOLIDATE your expensive credit card debt and other high interest lines of credit so you save money.
Refinance your home and REDUCE your mortgage rate and monthly payment, so you have more cash.
Refinance your home and PAY OFF your mortgage faster, so you avoid huge interest costs.
Imagine paying off all your high interest credit cards, reducing your total monthly bills and even having a month with NO bills to pay. Plus, with reduced monthly mortgage payments, you won’t be forced to make the minimum payments on your credit cards. You may even be able to pay off your card in full EVERY month. Suddenly, instead of paying THREE TIMES as much for your purchases, you’ll only be paying the sticker price.
IMAGINE never having to shuffle through your bills to decide which ones get paid and which ones do not.
IMAGINE not having to mail of a dozen cheques each month to all the credit card companies.
IMAGINE having hundreds of extra $$$$ every month to invest so you eventually get wealthy and are free to:
Stop working
Retire early
Start a business
The only way to achieve such goals is to start investing 15% of your income. And the only way you can afford to do that is to stop spending so much of your income just servicing high interest debts! You can start making this happen today, and I can show you how!
If you’re hesitant to think about refinancing your home, that’s perfectly understandable. You’ve probably heard it takes too much time, too much paperwork, too much frustration and too much face time with bankers—the folks who got you into this mess in the first place!
Let me put your mind at ease and I’ll take care of it for you so refinancing your home is quick, easy, painless and EXTREMELY worthwhile.
Here is the story of one of the persons I have helped recently:
“The rate on our variable rate mortgage jumped, which caused our monthly payments to rise by over $200. Even though we have a good income, the higher mortgage payments plus all our credit card bills left us with practically nothing at the end of the month. Thank you so much for refinancing our mortgage at a lower rate and consolidating our car loan and other expensive debts! We ended up paying over $300 LESS in total monthly payments which allowed us to SAVE for the first time in our lives. We now have almost $4,000 a year to invest for retirement and our kids education. On top of all that, we have received nearly $8,000 cash back when we refinanced. This has let us do a few renovations and increase the value of our home. Overnight, you transformed our financial situation!
"Why wouldn’t everyone consider this?”
I’m here to tell you that smart mortgage refinancing IS the better way. Since I don’t work for a bank or credit card company, I’m free to tell you the truth and I’ll also help you turn the tables on the banks. I use my years of experience to analyze your financial situation and customize a mortgage refinance strategy to fit your needs. Then, instead of forcing you to fit into some basic off-the-shelf mortgage, I’ll choose exactly the mortgage you need from the hundreds I have access to. Within a matter of days, I can start putting thousands of dollars back into your cash flow.
In July 2008 alone, the number of bankruptcies filed in Canada was 7,908.
In Canada, Tax Freedom Day is June 14. This means the average Canadian works the first 165 days of the year just to pay taxes. Then, it’s estimated that we keep working until October (or later) just to pay interest on debt and bills. Over the past 10 years, the average household debt in Canada has grown by 80% or $270 billion.
- (Source: Office of the Superintendent of Bankruptcy Canada)
- (Source: Fraser Institute)
- (Source: Focus on The Family website)
Nobody likes to think they’ll spend their Golden Years in poverty, but consider this: the average savings of a retired couple is only $7,000!
The average Canadian now spends 15% of take home pay to service debt. Remember, that money isn’t being used to pay the debt off, it’s just keeping up the interest payments! (Source: Focus on The Family website)
By making the minimum payments on a $4,000 credit card balance, it’ll take almost 42 YEARS and over $14,000 to pay it off!
If you cut the cost of servicing your debt in half and invested the money you saved at 8%, you could have over $1MILLION for retirement in 25 or 30 years! In other words, you can become a millionaire without working harder, changing careers, taking risks or winning the lottery.
All you have to do is talk to me about re-engineering your debt today. Here is what’s involved:
Setting you free from credit card debt imprisonment NOW.
Setting up a proven plan to help you become debt-free FASTER.
Replacing all of your high interest bills with a SINGLE, lower interest monthly payment.
Finding you the lowest available mortgage rate—even if you save a single percentage point on your refinance, you could end up saving tens of thousands of dollars!
I can help you avoid ALL of these incredibly expensive pitfalls that the banks and credit card companies have put in your way.
1. How much equity is REALLY in your home. You certainly can’t trust a banker to tell you this, and even if they did, different lenders use different ways to figure out how much you can borrow on your home. They’ll try to make it as confusing as possible. In reality, you’ve likely built up more equity value than you think. Since I have access to the latest ways to measure borrowing power, I can tell you exactly how much money is available.
2. How “young” mortgages can be refinanced cost-effectively. Even if you recently purchased your home or refinanced your mortgage, refinancing may still be a practical option. Every case is different. Once I’ve examined your situation, your lender and your mortgage, I’ll be able to determine if it makes dollars and cents to refinance now. And if it turns out you’re better off to leave things the way they are, you can trust me to tell you that too!
3. How advertised mortgages may not be as good as they sound. You see fabulous rates advertised everywhere, but remember “buyer beware." Some banks use bait and switch tactics. They’ll advertise a very low rate, but the loan is so hard to qualify for that 80% of applicants get turned down. Once you’ve been declined, they’ll come to the rescue with a last minute alternative. By then, you’ve gone through so much effort, they’re pretty confident you’ll accept it—even though it’s a much higher rate and doesn’t have the features you need. Another ploy is offering mortgages that sound great UNTIL you read the fine print, which most people don’t because it’s almost impossible to understand. Instead of putting you through all of this, I don’t start with a flashy offer. I start by sitting down, talking to you, finding out about your needs and situation, then craft a smart refinancing plan that achieves the goals that are important to you.
4. How cost-effective refinancing really is. Refinancing usually involves some costs, but I won’t recommend it for you unless any costs are more than outweighed by HUGE savings. If refinancing cuts your interest rate, pays off high interest debts and reduces your monthly payments, it’s definitely not expensive. I’ll sit down with you, examine all the factors and come up with a smart refinance strategy that will vastly improve your long-term financial situation.
5. How “bad” credit can be overcome. Just because you’ve had credit challenges doesn’t mean you can’t qualify for refinancing. I have access to specialized mortgages that only look at your most recent twelve months of credit behavior, so even if you had some problems a couple of years ago, you’re still likely to qualify. Some mortgage programs can even qualify people who’ve had past or even recent bankruptcies. Unlike your bank, I have access to the right mortgages and am willing to do whatever it takes. As long as you’re an employed or self-employed homeowner, I’ll offer you a plan you CAN qualify for. Of course, if you have good credit, that makes our job even easier. But there’s no reason to feel trapped because you’ve had credit issues. I’ll make sure you get the refinancing you need so you can start saving money today!
6. How other refinancing sources can actually cost LESS than banks. It only makes sense that your bank will tell you that refinancing is way more expensive elsewhere. But the truth is refinancing at a bank can cost you as much as $50,000 MORE! That’s because the big banks and mortgage lenders rarely offer the best rates and terms. I have access to dozens of specialized lenders with hundreds of different refinancing plans to choose from. With all that choice, I can shop for the very best rate, most attractive terms, and best overall deal. And since I don’t work for the bank, I’m free to offer what’s best for you NOT what’s best for them. I’ll customize the best possible mortgage for you and do everything I can to get quick approval. Plus, I’ll never ask for an upfront fee. My costs are either paid by the lender or deducted from the loan so there’s never any out-of-pocket expense for you. I’ll fully disclose everything to you in advance, and I won’t charge a penny if I can’t get you the loan you need.
7. How bankers don’t actually know much about mortgages. Stop for a minute and consider all the things your banker handles in a day: chequing accounts, savings accounts, commercial accounts, investments, insurance—oops, I almost forgot mortgages. Unfortunately, that’s the sad truth. With all those other products on their minds, bankers really give very little time and attention to mortgages. On the other hand, I’m a mortgage specialist. Mortgages are the one and only product I sell. Once you realize how much money can be wasted with the wrong mortgage or refinancing strategy, you’ll soon see the wisdom of dealing with a specialist.
8. How refinancing to pay off bills DOESN’T put your home at risk. Actually, the bigger risk is doing nothing and letting your bills get out of control. Then if something unexpectedly interrupts your income—like job loss, illness or accident—your home really IS at risk. Besides, a bank or mortgage lender isn’t the only one who can put a lien on your home. Just about any unpaid creditor—like the ones whose bills arrive every month—can do that. The best way to eliminate the risk of losing your home is to minimize debt, reduce monthly payments, build up savings and start investing. And the best way to do that is with a smart refinancing strategy.
9. How refinancing doesn’t have to be painful. OK, I hear you saying, “Ya but I don’t want to go through all of that effort and then get turned down.” Of course you don’t. So here’s what I’ll do to make everything a little easier:
a) I GUARANTEE there’s a refinancing plan that will fit you and your needs. If I can’t offer you a mortgage that’s in your best financial interest and that you understand and want to qualify for, I’ll treat you and your spouse to a FREE dinner at a local restaurant of your choice. I do not want to disappoint or inconvenience you, so I’m putting my money where my mouth is. Ever hear of a banker doing that?
b) I GUARANTEE you’ll be treated well. Everyone on my team is a specialist in mortgage lending with many years of experience. Unlike the banks, we see you as a person, not a number. We treat you with the courtesy, understanding, dignity and professionalism you deserve. We understand how intimidating it can be to share personal and financial information with strangers, so we respect and protect your privacy every step of the way. Our expert, unbiased assistance will help you move many steps closer to achieving your financial goals.
c) I GUARANTEE it will be easy. We will streamline everything for you. In most cases, we’ll only request you to provide three documents; ask fewer than ten questions; handle everything by phone, email, fax and mail; and wrap up your approval within ten days!
10. How sometimes even things that sound too good to be true really are TRUE! I don’t blame you for thinking that smart mortgage refinancing sounds too good to be true. How could you possibly reduce debt, increase cash flow and pay off your mortgage quicker by refinancing? It sounds like you’re creating money out of nothing at all! In reality, strategic refinancing creates money by stopping waste. Instead of throwing money away on ridiculously expensive credit card and mortgage rates, strategic refinancing uses the money you already have to build a better future. If this claim was false, I couldn’t stay in business. I’m licensed by the province and required to provide complete disclosure so you understand everything I offer. And as I said, I’m so confident you’ll like my service, I guarantee it. With a business that depends on referrals, I couldn’t exist without keeping my customers satisfied. Most of my best customers are referred by other satisfied customers. Sometimes one client will refer half a dozen relatives, neighbors, and friends. So yes, what I’m claiming about refinancing really is true!
The banks and credit card companies have been keeping the truth from you all of these years because they want to keep earning huge profits from you. Once I’ve introduced you to smart refinancing, I too want to keep you as a customer for life. But, unlike the banks and credit card companies, I’m prepared to EARN your business. Instead of keeping you in debt, I’m going to do everything I can to save you money and get you on a better financial footing. Every time you come back to me, I’ll EARN your trust all over again by meeting and exceeding your expectations.
Take this brief quiz. If you answer yes to more than two of the questions, I’m 100% confident that I can EARN your business!
Do you frequently make minimum payments or pay less than the full balance on credit cards? Yes __No __
Do you need money to put children through university, pay off back taxes, etc.? Yes __No __
Are you missing out on tax-deductible savings opportunities like pension plans, RESPs, RRSPs, RIFs, etc. because you don’t have enough money left over after paying bills? Yes __No __
Would you like to retire early and live off of your investments? Yes __No __
Do you put aside LESS than 15% of your income for savings? Yes __No __
Would you like to lower your monthly payments? Yes __No __
Would you like to be debt-free? Yes__No__
If you answered yes to more than one of the above questions, you’re a strong candidate for smart mortgage refinancing. Your quiz results make it clear that you can achieve your financial goals by re-engineering your debt, interest and monthly payments. The only question is when do you want to start?
Please don’t spend another month sending WAY TOO MUCH of your hard-earned money to banks and credit card companies. I can help you get completely out of debt—including your mortgage—in as little as 5-7 years so you can quickly and safely build wealth. But it’s only going to happen if we start TODAY.
Every day you continue overpaying interest on your debts, you make it that much harder to get ahead. But you don’t have to work harder. All you have to do is make your money work smarter. Taking action today can have an enormous impact on what your life is like 10 or 20 years down the road.
I want to do my best to HELP, so I have a very special LIMITED TIME OFFER for you....
"Nelson has been exceptional in helping me with my financial goals, he’s thorough, has your interest at heart, and an absolute joy to work with."
Brendon U
5 STAR REVIEW
"Great Experience!!
I contacted Nelson with some mortgage questions. Nelson was very easy to talk to. He also was very knowledgeable about the market and where it could be heading. I would definitely recommend Nelson to friends."
Tim R
5 STAR REVIEW
"Nelson is very knowledgeable, professional and very dedicated to his work. I will be recommending him to others in the future!"
Nano N
5 STAR REVIEW
We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!
Nelson Sousa - Mortgage Agent, license #M21001526 under RMA Brokerage (REAL MORTGAGE ASSOCIATES) Licensed Brokerage #10464 through the FSRA (Financial Services Regulatory Authority)