If You’re Sick and Tired of High Lending Costs, Junk Fees or High Interest Rates Every Time You Shop For a Mortgage, Then I Suggest You Read on...

Potentially save hundreds in junk fees, thousands in closing costs, tens of thousands in lifetime mortgage repayment savings and get the lowest available interest rate and monthly payment with the fixed-fee mortgage loan.

Dear Mortgage Shopper,

Let’s face it, nobody likes shopping for a mortgage. There are too many lenders, too many loan programs, too many smooth talking loan officers and too many opportunities to lose money if you don’t know what you are doing.

And there is not much you can do about it... until now.

My name is Scott Miller and I am a national residential and commercial lender/broker, and I would like to extend an unprecedented offer to you that will GUARANTEE that you will get the lowest interest rate/monthly payment available and ENSURE that your closing costs will be held to a MINIMUM.
 

Imagine going into your local bank and approaching the bank president and saying, "I would like to borrow money at the bank’s cost and I am only willing to pay a set fee above this".

That’s how simple my offer is.

I agree to lend money at the bank’s cost plus $50.00 per hour for the administration and processing of the loan (it takes approximately 30 hours from "cradle to grave" to complete a loan; that equates to $1500.00 over cost).

No junk fees, no hidden commissions, no fat...just a *breakeven interest rate, minimum closing costs (appraisal, legal fees, credit report, prepaid taxes and insurance, etc.), plus a flat fee of $50.00 per hour for my efforts and work.

This translates into hundreds of dollars saved in junk/extra fees, thousands of dollars in unneeded closing costs and potentially tens of thousands of dollars in lifetime mortgage interest repayment (as a result of receiving a higher interest rate).

To learn exactly how much the fixed-fee mortgage offer can save you on your next mortgage, please continue to read on...

* A breakeven interest rate is defined as the lowest possible interest rate a bank will offer without paying a commission to the loan originator (called YSP or yield spread premium) or requiring discount points to buy down the interest rates. Known in the lending industry as the “PAR’ rate.

What You Will Save...

... Until I show you all the different ways a lender can earn money.

I’ll show you how money can be made by charging junk fees, getting a commission from the servicing bank for bringing the loan to them (called YSP) or getting a rebate for the volume of loans a loan originator does with a particular servicing bank (called SRP) can really add up.

By utilizing all three revenue opportunities mentioned above, it is not uncommon for a loan originator to earn between 1-3% of the loan value. That’s $1000.00-$3000.00 for every $100,000.00 borrowed.

To better illustrate my point, please see the graph below:

I think you will agree with me when I say, that’s a lot of MONEY!  And given that you are repaying the loan, this is YOUR MONEY.

I’ll open up the books and let you peer inside the lending industry and show you how your interest rate has been effected by self interest, silent commissions and private rebates. I’ll show you what are necessary closing costs and what are frivolous. I’ll strip away all the fat from the bone and show you how using a fixed-fee mortgage will save you a lot of money now (when you take out the loan) and tomorrow (when you repay the loan).

If we agree to work together, you can expect:

• The assurance that you have received the lowest available interest rate not available to the general public (I’ll review the rate sheet with you to ensure you that you are getting the lowest rate possible).
   

• The confidence that you are only paying for closing costs that are necessary (I will show you actual invoices from the various service providers involved in the transaction for your validation).
   

• The peace of mind that you will not need to refinance your mortgage for the foreseeable future.
   

• An incentive to consolidate your debt or improve your property with the low cost of borrowing the fixed fee mortgage offer provides.

Does this sound like a fair arrangement to you? Are you interested? Please read on to learn why you need to act today.

I started this program out of a desire to assist a few families and to create a means to stabilize my income, but I can’t offer to work with everyone in this capacity.

Why?

It takes anywhere from 30-35 hours of my time (from beginning to end) to administer/ process/fund a mortgage, and there just isn’t enough hours in the day/week/month to allow me to help everyone.

Please understand that it is not out of greed (even though I could use my time funding loans at 1-3% of the loan amount like everyone else does) but necessity that I must limit this offer to just 5 homeowners/homebuyers only.

If you want to be one of the five homeowners/homebuyers I assist this month, I strongly urge you to act now before someone else takes advantage of this truly remarkable offer before you.

To learn more about this breakthrough offer, please Click Here.

I look forward to the opportunity to assist you with your next mortgage.

With Your Best Interests In Mind,

P.S. This offer is for homeowners/homebuyers that are seeking to purchase or refinance their primary residence or vacation homes only. If you are a real estate investor, Click Here to see what I have to offer you.

P.P.S. When I first offered this to my past clients and referral partners, the response was overwhelming (some of my past clients agreed to be put on a waiting list and postponed their intentions for as long as 6 months). Now that I have released this program nationally, I don’t expect the monthly spots to be available for too long. Please contact me NOW before it is too late.

P.P.P.S. If you know somebody that is in the market for a mortgage, I am sure they would be forever grateful if you told them about this extraordinary offer. Refer them to this website so that they have the opportunity to save on their next mortgage too.