At GPF Mortgage Your Home Refinance Is GUARANTEED...And You'll Get A Progress Update Every 24 Hours!
Dear Home Buyer,
Are you tired of
only hearing bad news.....that it's virtually impossible to get a home
purchase loan nowadays, even with the recent interest rate cuts? Fed up
with
incompetent people? Poor service?
You are busy. Pre-occupied with work.
Aggravated by stressful situations you have to deal with every
day...Tired...
Let's face it...it's a hassle to go the bank...the paperwork is overwhelming and it's a pain in the neck
to deal with Call Centre 'consultants'.
You have to deal with a multitude of
faceless people who are only trained to deal with one aspect of the
process... or they transfer you from one person to another in your
quest
to get a satisfactory response.
Then to top it all...after all this struggling to get your home loan approved , the bank declines your application and even worse, they don't give you a clear cut answer for not approving it.
Believe me, I've been there...I know the feeling of not getting answers
when you want it and not getting help when you need it. What is it
about banks - the more you need them, the less help they seem to
give?
But don't despair, there is a way out...but first something
else...
This Is How Most People Refinance or Shop For a
Mortgage
Every year thousands of people mess up the home financing process. They
call a few lenders and ask them what their best rates are. That's
it!
But that's not what you should do because of two reasons. In the first
place, the quote you'll get over the phone is worthless and, second,
you reveal that you do not know what you are doing.
Lenders can quote low, get your application, and then when you are
committed to them they sell you the loan at a higher rate. This is a
sneaky
tactic many lenders and brokers use, but there's no way you can prove
it.
The point is, in a high interest rate environment, some unscrupulous
lenders
will pretty much say...do...or promise anything to make you one of
their clients. Even if it means outright lying to your face!
Many offer promotions like an introductory rate of 3% below prime for
example. Your rate of 3% is a teaser rate. After six or twelve months
your interest rate will be pushed up again.
Another strategy banks use to get extra bonus money out of you is to
try
and convince you to switch your checking and savings account to them -
in addition to taking out a mortgage.
Research has shown them that if you have at least three types of
accounts at the same bank, chances are you will remain a customer
for life.
People Worry More About The Home
Itself Rather Than Financing
Especially first time home buyers are guilty of this...they are so
excited about buying their dream home, that they fail to give much
though to the home loan itself.
If you buy an overpriced home, you'll lose some money in the process
and
would learn a valuable lesson. But, if you pay too much for your home
loan, you'll pay for your
mistake for the next 20-30 years. Its your loan that's going to cost
you money month after month and not your house!
Another mistake people make when applying for a home loan
is going to their bank and taking the rate the bank gives them.
Even though the bank often gives a discount off the posted rate, most
of the time it is not the best rate available.
People think that because they are getting a discount that it's the
best rate going. In most cases, the rates given by the
banks are not the best on the market. That’s why most
sophisticated consumers hire a specialized mortgage broker who has
access to many different lenders with the best rates available.
For instance, which scenario do you think will give you the best deal?
OPTION 1- with one lender who says they are offering you the best product, or
OPTION
2- have a number of lenders to choose from who are all competing
against each other to get your business? The answer is obvious.
Having multiple lenders to choose from will not only guarantee you the
most competitive rate, it will also allow you to find the best product
for your needs, which will give you the peace of mind in knowing you
are getting what you want!
“5 Reasons Why Dozens of Home Buyers Believe You Should Choose Zulika van Heerden as Your Specialized Mortgage and Refinancing Expert!”
1. You want fast service on your terms and your schedule. I am available after banking hours. This give you the peace of mind, flexibility and convenience you want and deserve.
“Zulika Worked Around Our Schedule To Accommodate Us!”
Working with Zulika was such a positive experience. She took the hassles and headaches out of negotiating a mortgage for us. Once we began working with Zulika, we knew we were in good hands and that she would negotiate the best mortgage for us.
Zulika worked around our schedule to accommodate us, always kept us up to date on everything, and made sure everything got done to secure our mortgage for us. We are very thankful for everything she did for us and will not hesitate to refer her services to anyone we know seeking a mortgage.
-Wayne and Miranda Zeerust, Cape Town. |
2… You want personal service that gets you the best financing options possible.
“Zulika Took Over 60% Off The Cost Of My Mortgage Payments!”
I am very pleased with the services from Zulika van Heerden of GPF Mortgage Services. Zulika took the time to provide very personal and professional service in getting me a second mortgage.
My financial institution would not even consider an option for me. Zulika’s service saved me about two thirds of the cost of my mortgage in payments. I will definitely recommend Zulika to all my friends and to my customers.
-Bob Francis, Centurion |
3... You want lenders that specialize in dealing with your specific situation.
I have access to over 8 different lenders with unique products. Whether you are credit challenged, self employed, low on funds for a deposit or simply want the best rates available, I can connect you with the most suitable lender for your unique situation.
“I Am Eternally Grateful For Zulika’s Hard Work & Professional Attitude!”
I would strongly recommend Zulika to anyone without hesitation. She is a compassionate person that puts the humanity back into a system of black and white, numbers and digits.
I am eternally grateful to Zulika for her hard work in sticking with something that was extraordinary [and challenging]. I valued her professional attitude, but most of all, her ability to see beyond the parameters.
-Leon Scott, School Teacher, Midrand |
4... You want to be led step by step through your home buying experience.
I stand behind my "24 Hour Progress Update Guarantee" which promises that during the process of getting your loan approved, you'll receive consistent updates every 24 hours with a detailed report on the status of your loan. I am committed to keeping you informed from the moment you submit your application, right to the time you take possession of your home.
“Zulika Saved Me The Time Of Doing All The Work On My Own!”
I am very appreciative of the level of service I received from Zulika. Not only was she very honest and friendly, but her knowledge and expertise was very helpful in making the right decision for my mortgage.
I certainly appreciate all the work Zulika did for me throughout the entire transaction. She was always available to answer any questions I had and saved me the time of doing all the work on my own. I will definitely recommend Zulika’s service to anyone I know looking for a mortgage.
-Johan v/d Walt , Durbanville, Cape Town |
5... You want to be certain you will get the best possible terms possible. I stand behind my "Iron clad, No way you can lose 100% Guarantee"
"Apply for a mortgage or Refinance your home through me, and if I can't find you the absolute best rates and terms, I'll personally refer you to someone who can!"
“Zulika Saved Us Thousands of Rands On Our Mortgage!”
We had used a different broker last time, but wanted to give Zulika a try, as we heard about her
great reputation on helping people get the best mortgage possible. We cannot stress enough the
importance of selecting an informative broker, such as Zulika.
Not only has she spent countless
hours on our behalf, but she ended up saving us thousands of rands by getting us the lowest interest
rate on the market. We highly recommend Zulika, as you can be assured of efficient, knowledgeable
service.
-Vanessa and Anthony van Graan, Eldoraign, Centurion
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Discover How You Can Get a Mortgage
with the Lowest Rate AND Pay ZERO Junk Fees...
I’m a cost reduction, mortgage and refinancing expert and have been a mortgage
broker for over 8 years...I'm not owned by a bank or estate agent, so I
do not have sell you only what my favourite bank has to offer. I do
know what a good loan is and I can show you how to get the best
mortgage available without all the worry and stress.
But, before
we continue...perhaps your not quite ready yet to apply for a home loan or to refinance your current mortgage and that is why I would love to give away this amazing free report called: "The
Dirty Little Secrets of Mortgage Financing" ..only for a limited time. To receive your copy
just
leave your name and email below and I'll send it to you via email.
This is great resource for
home buyers and
people wanting to refinance their property.
Discover what the banks don't want you to know!
It's always important to remember that mortgages still come packaged
full of fees. Lenders, after all, are in the business of making money and not to help you save money on your home loan.
On the other hand, I'm in the business of helping my clients save money, and
I'll show you what common pitfalls to avoid and make sure no one's
taking you for a ride.
As you can see, you can lose a lot of money if you don't know what you
are doing and you could end up spending the better part of your life paying
interest to your bank. Of course, your banker or present mortgage
holder is not breaking his neck telling you about any of this – chances
are you are over paying, and he knows it.
Nowadays banks have to do a lot of things: handle cheque accounts,
savings accounts, business accounts, now they’re selling insurance and
investments and on and on. They’re like a “general store.” But I'm a
“specialist”. I do one thing and one thing only: home loans.
Once you realize that the managing of your mortgage to build financial
security has more to do with the quality of your life than any other
one thing (besides your health), doesn’t it make sense to get a top
specialist on your side?
But don't
take my word for
it...Here Are Even More Examples of How Much My Services Has Been Worth In
Hard Rands and Cents...
"My bank turned
down my application but
approved it when I used your services. I was kept up to date and got
the necessary information which allowed me to make an informed
decision.
I am particularly happy about the fixed rate you negotiated
for me. This country needs more people like you..."
Mrs. Mhlanga,
Waterkloof, Pretoria.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"Hi Zulika,
thanks for the great e-mails I received from you, it really
opened my eyes. I will think twice before doing anything hastily
again. You have saved me thousands of Rands already"
Mr. L.
Lemmers, Cape Town
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"We saved R8,300 pm on debt payments. I would really like to thank you
for all your assistance in acquiring a 2nd & 3rd bond for us."
Mr. B. Botha,
Bellville, Cape Town.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"Since, I could not get the assistance from my own bank without their
superior attitude, I decided
to approach GPF Mortgage. They were the most helpful consultants I came
across and they kept
me up to date and in the loop at all the times without ever making me
feel inferior because of my
financial situation.
I had all my questions explained to my
satisfaction during the loan processing
period and the terms of the loan were exactly what I expected. I am
happy with the level quality of
service I received and would definitely recommend you to my friends"
Ms. R. Odendaal,
Alberton
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Even with all
these positive
comments, I know you may still be skeptical ( I probably would be too.)
That's why I want to make it so easy for you to put our service to the
test - risk-free.
First, I want to make you two promises...
Promise
#1: You will be treated well. My company is managed by people
with years of experience in the mortgage industry, and we are dedicated
to
treating you like a fellow human being (not an "account" or a number),
with dignity, courtesy, understanding and professionalism.
Promise
#2: I have made this process as simple and streamlined as
possible. In most cases, we're going to ask you for just four
documents. Ask you less than 10 questions, be able to do everything by
phone, fax or email.
Let me show You...How to Get The
Mortgage Loan You Want And How to Manage Your Mortgage to Set You Free
Financially
If you're not only serious about buying a home, but also want
to guarantee your home loan financing (I'll explain my bold guarantee in a moment.) You can apply for a risk-free
no obligation quote and get a reply within 60 minutes (Mon -
Friday 9am - 5pm), or
you
can contact us at 086 110 6204.
Look we all know that refinancing or buying a home is a
major investment, but unfortunetaly a lot of people pay too much for
that privilege and they pay for their mistakes until they're old and
gray..
Homebuyers just
like YOU are taken advantage of and they end up paying tens of
thousands of rands extra on their mortgage.
Now, it is my job to take you by the hand and teach you step-by-step
how to get a mortgage loan without getting ripped off in interest rates
and junk fees.
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Here's a snapshot of the incredible benefits you'll receive if you
decide to make use of my services...
- Your loan is guaranteed (see below)
- Up to 50% of Bond Registration & Transfer Fees
- 24hr Progress Update Guarantee
- Pay Zero Junk Fees
-
Save Thousands on your bond
- The
9 critical questions you must ask before applying for a mortgage
- How to
become
mortgage-free sooner
- How conventional financial advice may actually stop you from becoming debt
free
- 11 Buyer traps to be aware of
before buying
your home
- Closing costs and other fees to be aware of
- How to protect yourself against
rising interest rates
- Simple but very powerful strategies to avoid overpaying on mortgage
interest
What Value Can You Put On Information
That Can Help Put Thousands Back Into Your Pocket...That Will Show You
How To Choose The Right Mortgage and Not Make a Mistake?
Let me put it this way...
With today's high interest rate you will spend more than R2 million
(@15% over 20 years) in interest on an average home of about R1
million. You'll spend up to R65,000 in legal costs and fees. In most
cases you will be manipulated to take out additional insurance at the
bank which will set you back another R300+ pm.
What value can you put on a service which can help you to literally
save tens of thousands of rands...You tell me...
Just imagine how you'll feel if not only getting the good news that
your mortgage is approved, but also knowing that you did not pay one
cent too much...Imagine how you will feel the day you pay off your
mortgage.
Once its paid off, you will truly own your home. You will always have a
roof over your head...
Picture how your life will change when you have no more debt payments
to make, and how much more disposable income you'll be able to enjoy.
Picture the sense of freedom you will have knowing that you've financed
your future and not your banks'!
But that's not
all...
Communication and Loan Approval Guarantee
(Reaching out and touching someone was never so valuable)
The sad truth in the mortgage industry is that, all too often, homebuyers are left feeling neglected by their brokers. The broker promises the world, then when the time somes to deliver, he or she is nowhere to be found.
Not only will I verbally promise to communicate with you during the course of your loan application, I will ALSO guarantee your loan approval, so that I have something to lose if I do not live up to my promise.
In other words, if your loan is not approved within a pre-agreed time I will pay you R250 out of my own pocket for failing to do so (conditions apply)
I am able to "put my money where my mouth is" because I am extremely confident in my ability to meet and exceed all of your expectations as they relate to communication and getting your loan approved.
So, What to Do Next?
You can pick up
the phone and call me at 086 110 6204 during normal business hours or send me an email at info@gpfmortgage.co.za . I
will be happy to talk with you, answer any questions you have; and if
you’re ready, collect the information I need from you to suggest the
best possible mortgage plan for you. If you want to
apply for a no
obligaton quote Click Here
Or, of course,
you can do nothing and continue paying your mortgage and other bills
this month just as you did last month. I’m told that the definition of
“insanity” is doing the same things over and over but hoping for
different results!
The answer is not to work harder and to
run
faster. The answer is to be smarter about your money. Taking action
today, can not only bring you benefits almost instantly, but can have enormous impact on what your life is like 10 to 20 years down the road.
I hope to hear
from you.
Sincerely,
Zulika van Heerden
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