Subject: How to Cut Your Mortgage in Half

Dear Homeowner,

Now as a homeowner, you can save $100,000 or even more in interest costs on your
mortgage! Your lender or bank may hate you for following the "secret" formula I'm going to
describe in this letter, but there's nothing they can do about it. By following this formula, you'll
be able to cut the cost of your mortgage in half. And you'll own your home 3, 5 or even 10 years
sooner than you thought.

Did you know that on your mortgage of $120,000, over 30 years at 11% interest, you'll
pay $291,360 in interest expense alone? Did you know that it takes 25 years to pay off 50% of
your 30-year mortgage and only the last 5 years to pay off the remaining 50%? The "secret"
formula - don't expect your lender to tell you about this - that allows you to lop thousands of
dollars and years off your mortgage is based on a principle well known in financial and banking
circles: Prepayment of principal.

Let me illustrate the dramatic savings you can achieve by using this "secret" formula. On
A loan of $125,000 at 11% interest for 30 years, by prepaying a mere $25 per month, you'll save
$47,538 in interest costs! Can you think of another investment that gives such fantastic return
for such a small outlay? What's more, you'll own your home free and clear almost four years
sooner. Can you spare extra $25 per month (not even the cost of a dinner out)? You bet you
can. That extra $25 knocks off a big chunk of profit your mortgage lender had counted on
making on you. Now you can keep the $47,538 in your own bank.

Is this legal? ItÆs not only perfectly legal, itÆs logical and has been very profitable for
banks and mortgage institutions. The formulas and techniques presented in the Kit have been
known for years. They simply nave not been revealed to the comsumers. The Kit shows how
you can pile up such dramatic saving no matter who your lender is and what your loan amount
is. (Fixed or adjustavble loan - it doesn't matter.) But let me say this: The sooner you get started
on this program, the more spectacular your saving will be.

*Step-by-step process to cut your mortgage in half
*Your flexible prepayment plan
*Prepayment tables: What the spare money will save you
*Loan amortization schedules
*Loan payment accounting worksheets
*Guide to financial planning
*Impact of 1986 and 1993 tax law changes


P.S. But there's more. Beyond the fabulous savings I've described here, the Kit is your complete
guide to mortgages, taxes and financial planning. It has been updated to include 1993 tax law
changes.


To order print out order form and mail in with your payment.

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