U.S. Mortgage Reduction Inc. is the largest mortgage acceleration and auditing company in America today. Since 1988, billions of dollars worth of mortgages and loans have been enrolled into the Equity Acceleration Program®. If you're serious about saving thousands of dollars in interest, building equity faster and paying off your home years earlier, USMR is your company. Also, with U.S. Mortgage Reduction Inc, you become a lifetime client. You can transfer your biweekly mortgage program to future loans as many times as you like.
|
The Equity Acceleration Program® (EAP) works by converting wasted dollars, that would normally be paid to your lender as interest, into dollars that can be used to accelerate the payoff of the balance due on your loan. This program works in direct cooperation with your existing mortgage. There's no need to change lenders, no qualifying, no lengthy applications, no closing costs and no credit check. The Equity Acceleration Program® simply changes the way you pay your lender.
Let's take a look:
Instead of you paying your mortgage the old fashioned way, USMR's biweekly mortgage system puts the discipline most needed in place by debiting one-half of a regular payment, plus a small debit fee, every two weeks (every 14 days, not twice monthly). This allows U.S. Mortgage Reduction Inc. to send your lender two EXTRA half-payments each year! Sounds easy, but statistics show that less than 3% of all homeowners make any kind of consistent prepayment on their own.
With the EAP biweekly mortgage system, an extra half-payment accumulates approximately every six months. These extra funds are then applied exclusively to the principal portion of the mortgage! That will save a typical homeowner $50,000 to $100,000 (or more) in unnecessary interest charges, and cut 8 to 10 years worth of payments off of a 30 year mortgage! Another benefit is that anyone can build equity (ownership interest) nearly three times faster!
|
The EAP biweekly mortgage system has many "Checks and Balances" in place to make certain that your accelerated mortgage plan is well protected. For example, you can request a mortgage audit every year once you have participated in the Equity Acceleration Program® for a minimum of twelve consecutive months. Why? Because according to U.S. Government statistics, homeowners are being overcharged billions of dollars each year due to lender miscalculations! Did your lender forget to tell you that? We thought so! This is not a little amortization schedule that you could get with a $25 software program. This is a detailed mortgage audit that would cost you hundreds of dollars if you went to a C.P.A. or an accounting firm. The cost to you on the USMR Equity Acceleration Program . . . nothing! USMR's job is to make certain that you save the maximum amount of interest possible . . . every penny you are entitled to. After all, U.S. Mortgage Reduction Inc. has no ties to your lender and the more they can save you, the more you'll tell your friends about USMR. This word of mouth advertising is what has kept U.S. Mortgage Reduction Inc. growing since their start in 1988. That's also why they're the largest, most successful company of their type in America today!
|
Like most homeowners, you've probably heard that you can accelerate the payoff of most loans. But the truth is, if you're like most homeowners today, you probably have never made any principal reduction payments. Accelerating your mortgage is like planning for retirement. Everyone knows that you should put away at least 10% of your paycheck for retirement. But statistics show that 85% of people that reach age 65 have less than $5,000 in the bank! Again, there's a big difference between knowing about it . . . and doing something about it!
The second issue is the banks. You may have a hard time finding a bank or lender that offers a biweekly mortgage program. The reason is simple. The money you save . . . your bank or lender loses! If you did find a lender that has a biweekly program, it could cost thousands to get the new loan, not to mention the piles of paperwork. Plus, the bank will not supply you with a detailed annual mortgage audit upon request like U.S. Mortgage Reduction Inc. will (for free) to protect you from lender overcharges!
By the way, the U.S. Government estimates mortgage overcharges are running $15 BILLION! With overcharges like these (due mostly to clerical errors), would you trust your lender to provide you with the maximum benefit for any prepayments you might send in? If you're like most of our customers, the answer to that is NO!
Our clients know that the small amount paid to U.S. Mortgage Reduction Inc. for a professionally managed accelerated mortgage plan far outweighs any do-it-alone attempt at prepaying . . . where thousands in potential interest savings can be lost through a lack of understanding about how the "system" works. Think of it this way. It's sort of like tax planning. Does it make sense to spend $50 for professional help to get an extra $500 back on your tax return? Of course! That's the principal behind the Equity Acceleration program®. USMR is the expert and they can save you many thousands more than a hit-and-miss plan based on advice from your lender. USMR's only job is to help you save money. Nothing else!
|
Simple. Everyone wants to save money. We bet you'll never come across a friend or relative who was called by their lender and told, "Mr. and Mrs. Homeowner, come on in for a cup of coffee. Let me show you how to save $50,000 in interest on your mortgage with our company. After all, we really don't mind giving up $50,000 of our profit to help you get ahead." Sounds a little ridiculous, doesn't it? But you can see our point! To save the maximum amount of interest, you need expert help. And we are the experts.
|
U.S. Mortgage Reduction, Inc., has been marketing and managing the Equity Acceleration Program® since 1988. Billions of dollars worth of loans and mortgages throughout the United States have been enrolled on their program. Administrative support services are provided by one of the largest, and most highly regarded, financial institutions in the nation, and U.S. Mortgage Reduction Inc. maintains its Audited Client Accounts with one of the largest banks in America! Now that's security and credibility! This is one reason why U.S. Mortgage Reduction Inc. has grown to be the largest, most successful company of their type in the United States today.
|
ABSOLUTELY NOT! The EAP biweekly mortgage plan can be used to accelerate the payoff of almost any type of long-term debt. Motor homes, mobile homes, boats, airplanes, farm equipment, business and machinery loans, student loans . . . just to name a few! You name it, chances are it's enrolled in USMR's system.
|
A biweekly mortgage system like the Equity Acceleration Program® will reduce the interest expense on your mortgage, but it does not eliminate it. With the EAP biweekly mortgage system, you'll still have plenty of deductions and yet you can save tens of thousands of dollars at the same time.
Think of it this way. On a typical mortgage, for every $1,000 you pay in interest, you'll get a tax deduction of almost $300. Sounds great, right? You may not think so in a moment. Let's take a closer look at this by reversing the picture. For every $300 that you get to write off, you must pay $1,000 in interest first. But does it really make sense to pay $1,000 to your lender in interest just to get $300 back from Uncle Sam? Sounds kind of silly, doesn't it? (Unless you like throwing away tons of money!) Perhaps now you can understand why the Equity Acceleration Program® is so incredibly popular with homeowners! And, anyone else with a long-term loan!
|
Within approximately 30 days of accepting your enrollment application, U.S. Mortgage Reduction Inc. will establish your account and notify you in writing of when your first biweekly debits will start and when they will begin paying your lender. Generally, your first biweekly debit will occur approximately 25 days before the loan payment due date. Since lenders do not notify USMR of account changes, it is vital that you update U.S. Mortgage Reduction Inc. whenever you receive a "change" notice from your lender.
|
|