Dear Home Buyer,
Are you tired of
only hearing bad news.....that it's virtually impossible to get a home
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...it's a hassle to
get parking...its a hassle to complete all the paperwork...its a hassle
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 figthing and struggling your loan
gets rejected.
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 Shop For A Home Loan
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!
Discover How You Can Get a Mortgage
with the Lowest Rate...Pay ZERO Junk Fees...Guarantee Your Loan
Application...And Get an Approval Notice Within 48 Hours of Applying!
I’m a mortgage,
cost-reduction and refinancing expert and have been a mortgage
broker for over 8 years. I am 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...I want to give away this amazing free report called: "The
Dirty Little Secrets of Mortgage Financing. To receive your copy
just
leave your name and email below and I'll rush you your copy 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.
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 mortgages .
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?
By the way, I'm only paid for success. My costs are paid by the bank
and it does not affect my clients loans in any way, so there's no
out-of-pocket expense from my clients side. Since I do not have to pay
any 3rd party commissions I can afford to lower my clients legal costs
with up to 100%.
But don't
take my word for
it...Here Are a Few 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 |
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 (I'll explain my bold guarantee in a moment.) that your
financing is successful 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.
See examples of repayments below...
Look we all know that 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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Examples of Loan
Repayments
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R 250
000
from R 2 629 pm
R 500 000 from R 5 258 pm
R 750 000 from R 7 888 pm
R1 000 000 from R 10 517 pm
R1 250 000 from R 13 147 pm
R1 500 000 from R 15 776 pm
R1 750 000 from R 18 405 pm
R2 000 000 from R 21 035 pm
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For a No-
Obligation
Quote Click Here
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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 100% of Bond Registration & Transfer Fees
-
Approval within 48 Hrs
- Pay
Zero Junk Fees
-
Save Thousands on your bond
- Free
Switching from the #1 Home Loan Experts
- 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...
So, What to Do Next?
You can pick up
the phone and call me at 086 10 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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