"How To Escape the Debt Rat-Race And

Get Debt-Free, Fast.....

How To Escape From Financial Prison."

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Including:

Important Information About

Your Home Mortgage

I call it "financial prison" because even though we do live in the greatest country in the world, even people with good incomes, who are buying their own homes, wind up in "financial prison" instead of "financial freedom" - mostly because of what and credit card companies never tell them - and hope you never stop and think about.

(That's why ANYTHING you can do to cut the interest rate and/or pay it off faster MUST be taken advantage of.)

For example, the kind of credit card debt most people take for granted can eat away your entire financial future like a horrible cancer. If you buy $2,000 worth of furniture with a typical credit card and make the minimum monthly payment, you'll wind up paying about $10,000 for the furniture, 5 times what it's worth. Do you think you can get ahead financially paying 5X's what things are worth?

(That's why ANYTHING you can do to wipe out credit card debt MUST be considered.)

 So, who is this Report for? This Report is for homeowners with a good income, who pay their bills, but who would sincerely like to be debt-free and financially secure while still young enough to enjoy it, maybe even become wealthy. Whether you've had some credit problems and have a blemished credit report, whether it's clean as a whistle, whether you're struggling now and need help, or are doing okay. But when you really analyze things, you are using too much of your money just servicing debt. This report will show you how you can turn your entire financial situation inside out for the better.

I have helped many homeowners, like you, become debt-free in as little as five years by restructuring the way they pay their bills and by using their home's value as the means of accomplishing some or even all of these things:

1. Refinance Your Home and Consolidate All Your Other Debt and Save You Money

 and/or

2. Refinance Your Home and Reduce Your Monthly Payment AND Interest Rate, So You Have More Cash Every Month

and/or 

3. Refinance and Get Your Mortgage Paid Off Years Faster AND Save You a Ton of Interest

and/or

4. Consolidate All Your Other Debt, Pay Off Your High Interest Credit Cards, Reducing Your Total Monthly Bills -- Even Give You a Month With NO Bills to Pay

And if you have credit card debt you are not paying off in full every month, think about this: not only are you paying so much interest, you're actually paying about five times what you buy is worth. None of that interest is tax-deductible. If you wipe away your credit card debt with home mortgage refinancing, you switch the interest you must pay to being tax-deductible.* This is like getting a 20% to 35% discount on the interest.

This difference can set you free.

*Consult your tax expert.

Imagine: Never shuffling through "the bill drawer" again, deciding who gets paid today and who doesn't, not writing out a dozen checks each month: financial simplification! And imagine having hundreds of free-up, extra dollars each month to invest, to get wealthy, so you can stop working if you like, retire early if you like, maybe start a business. Did you profit from the recent stock market boom? Do you have money making you money in mutual funds? Are you investing 15% of your income? If not, why not? -- (because you're spending too much of your income just paying bills!!!) Let's change this for the better. Now.

Maybe the idea of refinancing your home bothers you...it's complicated, too much paperwork, time-consuming, you hate dealing with bankers, you think there's not enough equity. I promise: I can resolve all of that for you. I can make this easy, simple, and painless. And the benefits can be enormous. Consider this one example from my Client Success Story files:

"We were paying 7.5% on our mortgage with (the other mortgage company), we had a bunch of high-interest credit cards, and even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Paul Johnson's plan and using the new mortgage his experts chose to match our needs, the interest rate on our home mortgage was cut down. All of our other debts were paid off during the refinancing -- even the car loan and our total monthly payments to bills were reduced by $318. This gives us almost $4,000 a year in cash we didn't have to invest. We also gained new tax advantages. We even got $7,621 in cash when we refinanced. Thanks to Texas State Mortgage Consulting we're in a much better financial position. Why wouldn't other people do this?"

As you can see, there's a lot that can be accomplished through smart-home mortgage refinancing. 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. And unlike banks, I use my  years of extensive experience to analyze your situation and find you the very best mortgage plan custom tailored to you. I'm an "independent" able to choose from literally hundreds of different mortgages on your behalf rather than force-fitting you in to one of a few. This service can put thousands and thousands of dollars back in your pocket as in the example I just gave you.

Should YOU Let Me "Re-Engineer" Your Debt?

Here are some simple questions to see how smart home mortgage refinancing and debt consolidation might help you. See how many you answer "yes" to.

1. Do you have more than three credit cards you use regularly?

2. Do you make minimum payments or pay less than the full balance on credit cards most months? Last month?

3. Are you saving and investing less than 15% of your income?

4. Would you like to get out of debt entirely?

5. Would you like to lower your monthly payments?

6. Could you use extra money to pay back taxes or put a child through college or for some other important purpose?

7. Would you like to buy a new car or maybe even a new home within the next 6 to 24 months but aren't sure you can get the refinancing or handle the higher monthly payments?

8. Would you like to be able to retire 5 or 10 years ahead of schedule, able to live on interest from your investments?

9. Are there tax-deductible savings opportunities like pension plans, IRA, Keugh, Medical Savings Accounts, etc. that you are missing out on because you don't have enough money after paying bills to do them?

10. Would you like to take a really good vacation or make some improvements to your home this year without going into debt to do it?

My friend, if you answered YES to even a few of these questions, then requesting this report was a very smart thing to do. We can use smart home mortgage refinancing to "re-engineer" your debt, interest and monthly payments to instantly improve your financial position AND get you on the straight and narrow path to freedom from debt to true financial security.

Consider These Shocking Facts -- Important Reasons to Do Something Different About Your Financial Future Now, Before You Get There!

1. The average savings of a retired couple amounts to only $7,000. (Nobody thinks that'll happen to them, but...)

2. On the average, today's working Americans can expect to receive (from Social Security, pensions, etc.) just 37% of the retirement income needed to live comfortably.
   (Source: "America's Retirement Crisis: The Search For Solutions)

3. 85% of Americans have a TRUE net worth (paid for assets less all debt and bills) of lessthan $250!!!
(Source: Social Security Administration)

4. The average person works the first 130 days of each year just to pay taxes -- and about another 180+ days just to pay interest on debts and bills. It's October (or later) before he actually keeps a dollar for himself and his family!

5. 92% of the average family's income is spent paying on debts. (If the average family cuts this from 92% just to 85%, they could amass over $500,000 during their working lives -- EXTRA money!
   Source: Philadelphia daily newspaper)

6. Making just the minimum payments on just $4,000 of credit card debt will require almost 42 YEARS to pay it off!!!! (And cost over $14,000!)

7. If the average person just cuts the costs of servicing their debt-load by half and invest the money saved at 8% or 10% annual interest, with some tax-free compounding, they'll create over ONE MILLION DOLLARS CASH for retirement in 25 to 30 years! (Become a Millionaire in your current career without working any more or taking risks just by "re-engineering" your debt!)

I hope you can clearly see why it is very, very, very important for you to:

1.    Get the lowest possible cost home mortgage (even 1% in interest saved through refinancing could equate to tens of thousands of dollars!)

2.    Break free from credit card debt slavery -- now.

3.    Get and use a sensible plan to pay off debt and get debt-free faster.

4.    Replace a hodge-podge of high interest bills with a single, lower interest monthly payment.

5.    Replace non-tax deductible interest with tax deductible interest.

Now, Here Are Borrowing Facts Your Current Creditors And

Most Bankers Hope You Never Find Out

1. HOW MUCH EQUITY DO YOU REALLY HAVE IN YOUR HOME?

This is a closely guarded banker's secret. Truth is, you probably have more equity (value) in your home than you think. And different companies use different methods to determine how much you can borrow on your home. These days, there are even plans that allow "borrowing power" you have locked up in your home. I can determine that for you.

2. SECOND MORTGAGES ARE A BAD IDEA.

Sometimes a second mortgage is a bad idea but sometimes it's a good idea -- it just depends on your particular circumstances. My job is to determine THE best way for you to use your home's value as the "crowbar" to pry open the financial prison doors and get you to the best possible financial place you can be. Begining in 2007 one may now deduct the mortgage insurance from the their taxes in 2008.

3. REFINANCING IS TOO EXPENSIVE.

Refinancing usually has some costs but is NEVER "expensive" when it saves you money. When refinancing slashes your interest rate and/or pays off other high-interest bills and/or lowers your total monthly bills, it is NOT "expensive".

4. CREDIT PROBLEMS STAND IN MY WAY.

Many people think bad credits stays on their records for seven years. While that is technically true, there are good loan programs where only your most recent 12 months of credit behavior is considered. There are good plans even for people with past or even recent bankruptcies. There are "no income qualification" plans. Basically, if you are an employed or self-employed homeowner, we can bring you a home mortgage refinancing plan you can qualify for that is in your best interest, that will save you money, regardless of past or present credit problems. Of course, if you have good credit, so much the better. But you do not need to be trapped because of credit problems either.

5. "I DON'T WANT TO GO THROUGH A LOT OF EFFORT AND THEN GET TURNED DOWN".

I know how unpleasant it is to deal with most banks and other lenders. So, let me make you three promises.

Promise #1: There is a refinancing plan that will "fit" you and your needs. My team of "super experts" will make every effort to bring you a mortgage that is in your best financial interest, that you understand and like and want and qualify for.

Promise #2: You will be treated well. We're a company managed by people with years experience in financial services, lending, and we are dedicated to treating you like a fellow human being (not an "account" or a number), with dignity, courtesy, understanding, and professionalism. We know that revealing personal and financial information to strangers is unpleasant and intimidating. We respect your privacy, and we are here to help you get from wherever you are to a much improved financial position. You will be treated as if you were a friend of the family. And you will get truly expert advice and assistance.

Promise #3: I have made this process as simple and streamlined as possible. In most cases, we're going to ask you for just three documents. Ask less than 10 questions, be able to do everything by phone, FAX or mail.