If I Cannot Help You, I'll Give You 5 Crisp One Hundred Dollar Bills... as a "Thank You" for Your Time!

(No, this is NOT B.S. I'm just putting my money where my mouth is. Details below.)

Congratulations on reading this Free Report. You're taking an important step toward financial freedom!

My name is Joseph Gross. and I am a Nationally Known Mortgage - ARM Exit Specialist. I help people like you escape from financial prison and get out of ARM’S FAST.

But this Report is about YOU, not me. About fixing your financial predicament. About you getting your life back by telling the high-rate big banks to go "stick it." Let me explain how.

So go somewhere quiet, turn off that stupid cell phone and TV, grab your favorite beverage and kick back for 10 minutes. What I have to say is so important you must give it proper attention.

I call your situation "financial prison" because even though we live in the greatest county in the world with the most opportunity, some folks are just not making it!

Even people with good incomes, who own their own homes, wind up in "financial prison" instead of "financial freedom" - mostly because of what bankers and credit card companies never tell them - and hope you never stop and think about.

Thanks to the mortgage industry, many folks are in unaffordable adjustable rate mortgages, even those wacky "1%" loans (where the interest rate is definitely NOT 1%)! Plenty of folks have high credit card balances, are facing large homeowners insurance and tax bills. All have one thing in common - wondering if there's a way to "Break Out" of this financial prison!

This report gives you a blueprint how to break out of financial prison and get onto the road to financial freedom. (And it's a heck of a lot easier to read than the blueprint tattooed on that guy on the Fox TV show, Prison Break!)

First, you need to understand the facts. Here's a shocking truth: the true interest rate on most home mortgages is roughly 200%!

No, that's not a misprint. How? Because if you have a 30-year mortgage, you'll pay for the home about three times...on a $150,000 mortgage, you'll end up paying about $450,000 in interest! In fact, you'll pay only half of the interest in the 23rd year of a 30 year fixed mortgage!

What if you have an adjustable rate mortgage on the verge of spiking higher than D. Wade's vertical jump? Ouch!!! You can't stay in that mortgage too long without getting slam dunked by your current lender!

That's why you must do ANYTHING POSSIBLE to cut your interest payments and/or pay it off as fast as possible. Otherwise, you'll be in debt the rest of your life!

With headlines proclaiming a crisis in the subprime mortgage market, lots of homeowners are trying to figure out if they should worry. Many experts view the meltdown as a return to sanity in real estate lending. Still, there are lots of ways people could get hurt by the fallout. So here's a look at current mortgage-market woes, including what's happening, why people should care, and what they can do about it.

WHAT WENT WRONG?

Subprime lenders -- those who make loans to people with poor credit ratings -- made too many loans to people who could not make their monthly payments. Once home prices started to fall, people having a hard time making payments sometimes found it was cheaper to simply walk away. That's because many of these loans required no down payment -- or even a verification of annual income.

Last year's subprime loans started defaulting at a higher-than-expected rate, with many borrowers becoming delinquent in the first three months of the loan, says Bob Visini, vice president of marketing at First American LoanPerformance, a mortgage-data company.

Then, as more homeowners defaulted , the subprime lenders -- which typically promise investors they will buy back troubled loans for a set period of time -- couldn't honor those obligations and started closing their doors.

WHY ARE THESE MORTGAGES CALLED 'SUBPRIME?'

"Prime" borrowers are folks whose credit ratings are generally above 620 on the FICO scale, which ranges from 300 to 850. Those who don't make the cut are considered "subprime." Their mortgage rates are anywhere from 2 to 5 percentage points higher than those paying "prime" rates.

HOW DO THESE SUBPRIME PROBLEMS AFFECT ME AND MY MORTGAGE?

Homeowners with interest-only mortgages, option ARMs (adjustable rate mortgages that offer a choice of payment options ranging from minimum payment or interest-only to fixed-rate levels), or other exotic home loans may soon see their payments jump.

That's because many of these mortgages -- which became popular a few years ago -- are fast approaching the date when they reset to a higher rate, begin principal repayments, or even come due in their entirety. Those resets can boost payments as much as 30 percent.

As hundreds of billions of dollars worth of these loans “reset” to higher monthly payments, many so-called “subprime” borrowers — historically those with shaky credit histories — are sitting on financial time bombs. They’re finding out the hard way that the paperwork they signed may have buried them under a crushing debt load they can’t sustain.

The majority of mortgage professionals that American homebuyers deal with are honest, decent people. But a relatively small group of bad actors has unleashed a wave of fraud and predatory lending over the past several years that threatens to ripple through the wider mortgage market, deepen the ongoing housing slump and crush the finances of countless borrowers who were victims of schemes and abusive practices that have cost them their homes — and their shot at the American dream.

ACORN, the Association of Community Organizations for Reform Now, has just issued the results or a large scale study of the potential impact of upcoming adjustments to adjustable rate mortgages. ACORN bills itself as the nation's largest community organization of low and moderate-income families. It advocates for better housing, more investment by banks and government in lower-income communities, and better schools.

ACORN noted that, while ARMs represent about 24 percent of all home loans nationally, in some communities and among some demographic groups they account for a much larger percentage of the mortgage pool. ARMS also make up about 75 percent of all sub-prime loans, a 50 percent increase since 1999.

The report stated that "until this year there has been little recognition of the prevalence of adjustable interest rates in sub-prime loans and the danger posed by these ARMS." The focus instead has been on predatory practices such as excessive fees, high interest rates, and balloon payments.

Sub-prime loans are generally tailored for a market where people cannot obtain a conventional loan at a standard rate but Freddie Mac and Fannie Mae have estimated that at least one-third of sub-prime borrowers could actually have qualified for a lower cost mortgage so, it would seem that a "large number of the borrowers who have received ARMS should not have been in the sub-prime market."

Interest rates for sub-prime ARMs are usually tied to the London Inter-Bank Offer Rate (LIBOR) with a margin of about 5.5 percent added on. The LIBOR has increased from 1.21 percent in January 2004 to 5.64 percent in June 2006. While many ARMs have rate caps that limit the amount that a rate can adjust on each anniversary and over the life of the loan, many sub-prime loans do not - or else have caps that allow very large increases. Even a typical 2 percent cap on a $150,000 loan would allow an increase in the monthly payment of $212.

The study quoted a Federal Reserve report that found an estimated 35 percent of ARM borrowers did not understand the maximum amount their rate could rise at one time or even how to calculate what the maximum rate would be. Another survey by Public Opinion Strategies found that lower-income people did not think that traditional mortgages were an option for them and we also less informed about reset shock and the debt risks.

Rising foreclosures
For many subprime borrowers, the nightmare is only beginning.

In June alone, some 164,644 foreclosure filings were recorded by RealtyTrac, a Web site that compiles default notices, auction sales and bank repossessions. For all of 2006, the site logged more than 1.2 million foreclosure filings nationwide — or one in every 92 U.S. households, up 42 percent from 2005.

“Based on our numbers for the first two months of 2007, foreclosure activity is running at a rate that would project to a 33 percent increase over 2006,” RealtyTrac’s CEO James J. Saccacio, said in a news release. "It appears that as subprime and FHA loans default at higher-than-anticipated rates, and lenders tighten their underwriting standards, we’re going to continue to see a spike in the number of homeowners facing foreclosure.”

These statistics represent the end of a process that is costing many borrowers their homes. A rise in delinquency rates — the number of borrowers who are falling behind in their payments — is a harbinger of more foreclosures to come. From a low in 2005, the mortgage delinquency rate has been climbing steadily and is expected to continue to rise through 2007, according to CreditForecast.com, a joint venture of moodys.com and credit agency Equifax.

And another wave of delinquencies looms, thanks to a newer family of adjustable-rate mortgage products that include “reset” clauses that can raise payments every month, depending on current market rates, and quickly bust a family’s budget. Between the beginning of this year and the summer of 2008, some $650 billion worth of U.S. mortgages — or about 8 percent of the total outstanding — face their first payment reset, according to moody’s.com.

Not all so-called “subprime” borrowers now facing financial problems have bad credit — or at least they didn’t when they originally applied for a loan. In fact, “there is a surprisingly large share of subprime borrowers with FICO scores above 720 (a level consistent with a good credit,)” Fannie Mae chief economist David Berson wrote in a recent commentary.

“What I’m looking at very closely at my firm is the idea of misdirecting a trusting individual toward loans that they don’t need,” said Berg, the Texas lawyer. “I worry about young people who’ve gotten themselves into these adjustable-rate mortgages that are going to be reloaded now at a price they can’t afford. A difference of two points can kill a family’s economics.”

Legitimate real estate and mortgage industry professionals say they are angry and disgusted by the damage done to their businesses by a handful of dishonest players.

What should I do now?

If you or someone you know has a subprime loan, you need to speak with your mortgage professional right away. With loan guidelines and credit requirements tightening and property values still declining in many neighborhoods, you may not even qualify for a refinance if you wait too long. Even if your mortgage has a pre-payment penalty, it may be less expensive to absorb the penalty and refinance into a more affordable or stable mortgage. Fixed rate programs are currently approaching eighteen month lows.

In the event that you now owe more on your home than it’s currently worth, or if you don’t have enough equity to sell your home and cover expenses, help could still be available – but you have to act now. Don't wait until the guidelines change, and it becomes too late for you to do anything.

Now, select lenders are willing to provide A+ bank loans to borrowers who have mortgages up to 417,000 even if they had credit issues in the past. These lenders will even provide cash out to pay off high interest rate credit cards of personal loans and include real estate taxes upon request.

Do you dread getting the mail every day because you’re drowning in bills? Were you in shock when YOU received the letter in the mail telling you your payment went up to an amount which you can’t afford? You even tried calling your existing lender, but no one is answering because they either went bankrupt or closed their doors. I know how you feel! You don’t know what to do, you feel lost and you don’t want to lose your house.

Bottom line—You are paying too much every month!

While an ARM (Adjustable Rate Mortgage) may have saved you a Bundle over the past several years of low interest rates – times have changed – you are now stuck with a payment that you will not be able to afford to make. Banks and Mortgage lenders want you to stay clueless as they charge you more money per month and then keep increasing your payment every few months. Most of them won’t let you catch up if you fall behind for more then one month.

Even though your financial situation may look hopeless. It’s not!

My name is Joseph Gross and I show hard-working NY & NJ area homeowners how to break out of this nightmare that just came upon you! If you have been on time with your current mortgage and you are currently paying between 8% and 8.5% or more, then you will obviously be able to pay your new mortgage on time if rates are 2%-3% less. I can help you reduce your monthly payment and raise your credit score! I’ve helped hundreds of homeowners get out of their adjustable rate mortgages and repair their credit and I know I can help you save hundreds of dollars every month if you’ll give me a chance to prove it!

Please read every word of this report:

First, you should know who I’m not--

I am not an unscrupulous lender trying to rip you off.

I am not a real estate investor trying to steal your house.

I am not a lawyer offering to help you with a large fee that you can’t afford.

I am a National Mortgage Expert - Arm Exit Specialist, who helps people convert their Adjustable Rate Mortgages To Fixed Loans and saves them on their monthly payments hundreds of dollars and also works one-on-one to get people the help and education they need to improve their financial situation and credit. Want to get help? just call: 1-800-662-0125 or visit my website at: www.stopwastingyourmoney.com to complete an application.

You may be eligible for a new loan program that helps you use the new FNMA guidelines to your advantage

New Mortgage guidelines are radically changing the LENDING landscape, making it very difficult for Adjustable Rate consumers to get a good loan. To counter this, we have gained access to a new 100% legitimate loan program that works within the FNMA guidelines and makes it possible for you to get approved for a refinance with a low rate. Call 1-800-662-0125 to find out how you can take advantage of this special program.

Don’t try this at home!

Unless you study the nitty gritty insider secrets and details of the mortgage industry 8 hours a day, don’t think you can pull a ‘Do-It-Yourselfer’ with this stuff. Because there’s just so much to know, it’ll make your head spin. In fact, you’d probably be horrified to find out what really goes on!

I made a choice years ago to help you navigate your way through the financial maze and sub-prime companies deliberately set up to confuse, frustrate and imprison you just to line their ‘fat cat’ pockets with your hard-earned cash! When I tell you about the home loan scams and unethical ‘shell games’ financial corporations dupe trusting homeowners with everyday, you’re going to wish you had a guardian angel to protect you! While I’m no angel, I am on a mission to expose and fight the greedy money vampires ready to suck the financial blood of unsuspecting people like you every day!

Why should you believe me?

I’ve been there. I have an Adjustable rate mortgage myself that increased in April. My payment went up by $600.13. I know how it feels to get an increase like this and don’t have the ability to make the payments. I also know that in order for me to be able to make the payments I had to act very quickly because the choices are very limited now. Therefore, I know all too well how and why homeowners get shafted, because I got shafted myself. But even better…I know how to prevent and fix it! For good! I’ve worked in the big financial world and learned all my secrets first hand from inside the very system I’m blowing the whistle on now. But instead of being part of the problem, I chose to actively work for the SOLUTION. And that’s why I’m writing you.

Don’t feel bad…it’s not your fault!

The “Fat-Cat” bankers love keeping you in your ARM and keep you struggling to get ahead. It gives them a reason to exploit you and “whack” you with criminally high interest rates. It’s like you’re being knocked out by a financial restraining order! How do you think these companies afford these beautiful buildings? While their blood thirsty executives are eating lobster for lunch and sipping martinis in their Armani suits at the “Club”, you the hard working “Little Guy” suffers. The best revenge is to put your energy into getting OUT of your adjustable rate mortgage and FAST! That’s where I come in. Too tall an order you say? I don’t think so. Because sometimes what seems impossible is 100% possible!

Here’s what I promise you:

I can help you:

• Get out of that Adjustable Rate Loan & refinance with a lower payment
• Get cash out (if you need)
• Pay off all your credit cards
• Wipe out all your “bad” debt
• Save you hundreds so you’ll have lower monthly payments
• Clean up your credit (and make your credit score soar)

Is this for real?

Yes! It’s what I do every day for homeowners in situations just like yours. I make these bold promises because I see the success stories day in and day out. People really do get out of their Adjustable Rate Mortgages! But you shouldn’t just take my word for it. Read what other people have said about working with me:

Real stories, real people

I belong to a group of ARM Exit Specialists and together we have helped lots of people in your situation. Many are not so keen on making their experience public but here are a few success stories. Read what they have to say about my services and what I was able to do for them. There’s no reason I can’t do the same for you.

Here’s what homeowners like you say about Joseph Gross:

“Joe saved me $949.17 and gave me a FIXED mortgage!”

I was up to 13.5 percent interest rate on my mortgage and my mortgage payment was $2,327.00. In addition I was spending $322.00 a month in credit card bills which my total monthly obligations were $2,649.00. I was in a situation where there was nothing I could do. I had an Adjustable Rate Mortgage that just kept going up and up and had credit card bills that I was never able to get rid of. Until I met Joe, I was lost. Joe was able to give me a 7% interest rate on my new mortgage and pay off my credit card bills and give me a payment of $1,699.83 which saved me $949.17 and most important it was a Fixed Mortgage. This is so wonderful, it gave me a lift, it helped my health and most importantly it saved my house – before I went into foreclosure.

Joe helped me learn how to pay my bills and maintain myself with a fixed mortgage like this. I can see my way now and I really appreciate it. I wish so many other people can get help from Joe. I watch the news all the time, and I just feel so fortunate to know that I was fortunate enough to be able to have the assistance that I had from Joe. I just can’t say it enough. I have so many nights now that I can sleep and feel a little more content with my fixed rate and I’m going to stick with Joe in the future. But so far, with his help, I know I’ll be able to survive. I really, really wish Joe could help so many other people. I’m going to tell my mother, my aunt, and my sister. I have a large family. I’m glad I’m able to refer them so they can get the help that I received. Joe, I thank you so much and I hope whoever’s reading this, they too can get the assistance and help they need through the same support that I received. Again, Joe I thank you and I appreciate you. Thank you so much for putting my life back together.

Brynda Carter - Miami Gardens, Florida

“My mortgage payment increased by $597.19, I couldn’t afford it!”

I took out an adjustable rate mortgage in April 2005 and my payment was $2,103.81. It was a 2-yr adjustable which expired in May 2007 and my payment increased to $2,701.00. I was very frustrated because it was difficult enough for me to make the mortgage payment for the past two years and by increasing the payment with another $597.19 it was impossible to make. In addition, I also had a credit card payment of $353.00, so my total monthly obligations were $3,054.00, I couldn’t afford it. Since I’ve done business with Joe for over 4 years, I decided to contact him to see what he could do. He gave me a free consultation and there were a few challenges that I had to overcome. My credit had suffered due to some outstanding credit card bills and Joe had advised me that before I’m able to get out of the mortgage I have now, I have to get my credit better because I had a credit score of 517 and I needed to be at a 620 to qualify for the loan.

Joe came up with a game plan of how to achieve that and miraculously within 30 days, my credit score went up to a 622. We had everything ready to go, but there was one more hurdle we had to overcome. The loan was approved and ready to close, but the bank had decided to change their guidelines and because of that, they denied the loan. I got scared and depressed because I was afraid that I was going to lose my house I’ve worked so hard to buy and possibly live on the street, which I never, ever dreamed of in my life. It took 4 days for Joe to fight and use his expertise and his relationship to be able to get my loan to close. I know there is not anyone out there that would be able to achieve and accomplish this for me. And I appreciate all that Joe put in to make this happen. If there is anyone out there that is in a situation where you don’t know what to do and you don’t have who to go to, don’t hesitate to call Joe, because he will get it done. Now I have myself a $692.02 savings per month and my interest rate is fixed for 30 years. And of course, my credit cards are all paid up.

Yuval Graneviz – Teaneck, New Jersey

“Within a half hour of talking to Joe we knew that we were going to be saved”

We had been trying to get a loan for a few months because we knew our adjustable rate was going to expire and our payment was going up by $500.95. We also had $856.00 in credit card payments that was choking us and destroying our lives. Nobody was able to help us. We kept getting the answer, “I’m sorry but there is nothing we can do for you”. One of us was not able to work due to a health issues. Now imagine how we felt; we were drowning in bills and our mortgage payment was going up, nobody wanted to help us, what were we supposed to do? We were hoping and praying that a miracle would happen, and guess what. On July 30, 2007 we opened our mailbox and a letter just like this was there. We immediately read it and picked up the phone and called Joe. Within a half hour of talking to Joe we knew that we were going to be saved. He made us feel comfortable and assured me that we were going to be able to get rid of all of our financial troubles and get out of the Adjustable Rate Mortgage that we are currently in. He was able to give us a 30 year fixed mortgage and save us $597.63 a month. It only took us 17 days to get out of this misery. Joe was also able to escrow our taxes and insurance and of course pay off our outstanding taxes of $9,042.41 which we owed because the bank did not escrow for us. We will recommend you to whoever we know because it’s been the greatest experience that we ever had doing a mortgage. Keep up the good work. You are the best!

Kim & Richard VanNortwick - Clifton, New Jersey

“I called Joe and he saved me $257.88”

Joe, I refinanced with you for the third time and you did it again. I'm so happy to finally have a fixed interest rate. I know that it wasn't easy to get and especially since my credit was not in great shape. You are the magic man. I'm also extremely satisfied that the taxes and insurance are included in my payment. I won't fall behind again. I am also very appreciative that you caught me up on the 2 bills. I was not able to do it on my own. I'm your customer for life and I enjoyed working with you. You are a true professional and an honest person. May you always have successes.

For more real stories visit my website at: www.stopwastingyourmoney.com

Just think what it would be like to pay off the back payments on your house, the late charges, the penalties and the attorney fees and just make normal payments again. Imagine how it would be if you could really

pay off your other debts, your car payments, your high interest credit cards. Then take action by walking over to your phone and dialing 1-800-662-0125. Make a quick ‘check it out’ phone call…that could change your life.

I wish I had time to help everyone…but I just don’t!!

There are only so many hours in the day and I can only help so many people. I spend a good deal of time with my clients, giving them advice and helping them through this process. The reality is that if you don't take my offer, someone else will. I don’t turn anyone away, but as a “self-sanity” rule, I can only handle 11 enrolements per month. Frankly, I am so busy, I don’t have time to chase anyone who is not interested in helping themselves.

Begin NOW and take control

If you’re serious, take the first step in helping yourself out of the situation that you are in and call me at 1-800-662-0125 to set up an appointment. It will cost you nothing but a few minutes of your time to talk to me about your problem and see what I can do for you.

Break the chains ARM is not going away on its own, that’s for sure! If you’re serious about getting free of ‘financial prison,’ you must get out from under your ARM! Please call us now before your monthly payments become totally impossible to manage. We give you a strategy that will rectify the problem and correct your current situation. We want to provide you a long-term financial solution; not just a short-term fix.

There are few reasons why you need to act NOW if you want to apply for my Arm Exit Plan:

My schedule fills up pretty quickly I’m typically booked 2-3 weeks in advance. Call my office directly at 800-662-0125 for a free consultation before they're all taken.

Because of the time constraints involved, I can handle only 11 enrollments per month into this program. As of this month, were fully booked. Next month, we have 4 openings.

Historically Low Interest Rates are already climbing up. Don't Wait for them to Spike Up!

The Housing Market is poised for a correction, or even a bursting of the bubble, according to some experts. Act now before your paper wealth trapped in your home vanishes!

Don’t delay any more. Call me now at 800-662-0125!

I hope you have enjoyed this special report. We currently have over 40 creative loan programs to fit your needs. Please contact us at 800-653-2684 to set up your FREE No-Obligation consultation where we will meet to tailor a program to fit your needs and comfort levels for monthly payment and investment.

Sincerely,

Joseph Gross

National Mortgage Expert - Arm Exit Specialist

Qualified Mortgage Inc.
1274 49th Street, Suite 556
Brooklyn, New York 11219

E-mail:joe.gross@qualifiedmortgage.com

Phone: 800-653-2684

P.S. If you would like to get started now please click the following link or image below to fill out a Free No-Obligation Secure Online Application and we will contact you to schedule a free consultation to help you get the loan of your dreams with the best terms available...regardless of your credit!

P.P.S. If you’re accepted into my ARM EXIT Program (unfortunately, not everyone qualifies), you'll get details on my $1,000 closing cost guarantee, a unique guarantee against closing table surprises that's not offered by anyone else around!

P.P.P.S. Remember the shameless bribe to meet me - if we meet, but you honestly feel that I cannot help you, I will pay you 500 bucks on the spot. That's right, 5 crisp one hundred dollar bills. Why do I offer this? Easy -because I'm so confident I can help you I have no problem putting my money where my mouth is!

P.P.P.P.S. If you're serious about getting yourself on the road to Financial Freedom, don't wait until all of this month's spots are taken! Call me today – 800-662-0125!