How To Escape the Debt Rat-Race And
Get Debt-Free, Fast.....
Break Out From Financial Prison in 27 Days, Guaranteed!

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, home mortgage, debt-reduction expert. I help people like you escape from financial prison and get out of debt 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 and credit card companies 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 and credit card industries, 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!

What about Credit Card Debt? Well, normal, everyday consumer debt, you know, your Visa, Mastercard, Discover, etc. can eat away your entire financial future like some kind of horrible, incurable cancer.

Here's another shocking example - If you buy $2,000 worth of furniture with a typical credit card and make the minimum monthly payment, you'll pay about $10,000 for the furniture, that's 5 times (500%!) what it's worth!

Would you pay $5.00 for a $.99 McDonalds Hamburger? Or $2.50 for a $.50 newspaper? Or $3.00 for a $.60 cup of coffee? (Oops, I forgot about a little coffee shop called Starbucks. But you get the point, don't you?) In case you don't, here it is:

How on God's Green Earth Can You Get Ahead Financially Paying 5x's What Things are Worth?

Think about it, would any smart business person overpay for anything? Wayne Huzienga? Bill Gates? Donald Trump? Why should you be any different?

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

(Special Comment: this Report was originally written before Congress doubled the minimum payments due on Credit Cards. As of January 2006, your $300 minimum payment is now $600! Thanks, Congress! Now, more than ever, is the time to take action!)

So, who is this Report for? This Report is for homeowners with a good income (does not have to be all shown on tax returns, though!), who pay their bills on time for the most part, 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 wish there was a strategy to get ahead, this Report is for you.

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.

Since we released our DebtSlasher program after beta-testing it, I have helped more than 339 homeowners (as of the date of this report) like you, become debt-free in as little as five years. How? 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:

· Refinance Your Home and Consolidate All Your Other Debt - Save You Hundreds, Maybe Thousands, Each and Every Month, Year over Year!

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

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

• 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 an extremely high rate of interest, but also you're actually paying about five times, that's 500%, more than you should! That's crazy! To add insult to injury, 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. (Of course, you should consult a qualified tax advisor on the potential tax advantages of this type of transaction. I'm not a CPA,) This is like getting a 20% to 35% discount on the interest.

This difference is your one-way ticket to Financial Freedom.

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, and 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. Right here. Right 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 I'll even put my money where my mouth is - see my $500 guarantee, below.

The benefits can be enormous. Consider this one example from my Client Success Story files, from William and Beth S., Fair Lawn, New Jersey:

We were paying $7,055.18 on our mortgage and high-interest credit card debt, of $90,458. Even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Joe’s plan, the Payment on our home mortgage and other debts were almost cut in half. All of our debts were paid off during the refinancing -- even the car loan-- and our total monthly payments to bills were reduced by $2,713.25. This gives us more than $32,559.00 a year in cash we didn't have to invest. We even got $29,410.66 in cash when we refinanced. Thanks to Joe, we're in a much better financial position. Why wouldn't other people do this?

Check out other testimonials on my website, www.newjerseymortgagetips.com, like those from Kathleen McCarthy, D. Lige, and Mary Ann Callahan. You can see I'm for real.

You will also see that 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 10 plus years of extensive experience to analyze your situation and find you the very best mortgage plan custom tailored to you.

I'm an Independent Mortgage Banker and Broker, and I’m able to choose from literally hundreds of different mortgages on your behalf rather than force-fitting you in to one of a few. I have no "house" products that a manager makes me push on my clients.

This way, I have no conflict of interest - I'm 100% on your side! This service can put thousands and thousands of dollars back in your pocket as in the example I just gave you.

Here's a question you should be asking - Should YOU Let Me "Re-Engineer" Your Debt? For the answer, take a short quiz.

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.

• Do you have more than three credit cards you use regularly?
• Do you have an Adjustable Rate Mortgage on the Brink of Spiking Up? (Maybe a "1% Loan" that's really costing you 7% Plus?)
• Do you make minimum payments or pay less than the full balance on credit cards most months? Last month?
• Are you saving and investing less than 15% of your income?
• Would you like to get out of debt entirely?
• Would you like to lower your monthly payments?
• Could you use extra money to pay back taxes or put a child through college or for some other important purpose?
• 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?
• Would you like to be able to retire 5 or 10 years ahead of schedule, able to live on interest from your investments?
• 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?
• 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?

If you answered YES to even a few of these questions, then requesting this report was a very smart thing to do. We can "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!

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 less than $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!

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 (confirm with your tax advisor or accountant).

Some 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. Have you seen any news stories about the Florida housing market? Values are shooting up, creating enormous paper net worth for Florida Homeowners. (Will this last forever? No way!) 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.

3. REFINANCING IS TOO EXPENSIVE.

Refinancing has 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". No, it's an investment you incur in order to make money by saving money. My clients generally pay back the costs of refinancing within a matter of months thanks to the thousands of dollars I save them!

4. CREDIT PROBLEMS STAND IN MY WAY.

Many people think bad credit 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, low rate plans even for people with past or current bankruptcies.

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 and 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.

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. We guarantee it -- or we'll treat you to a fancy steak dinner. If my team of "super experts" can't bring you a mortgage that is in your best financial interest, that you understand and like and want and qualify for, I'll pay for you and your spouse to have a great dinner at a nice restaurant, as my apology for inconveniencing you. (Try to find a banker who'll do that!) And if you don't want a steak dinner, see my $500 guarantee, below!!

Promise #2: You will be treated well. I have over 10 years experience in mortgage lending, and I am 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 my 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, I’m going to ask you for just three documents. Ask you less than ten questions, be able to do everything by phone, FAX or mail, and complete everything typically within 12 business days.

Why do I offer this Report free of charge? I am offering this free of charge because I want to be your mortgage advisor. I offer more than simply a loan, I'll personally advise you on how to use and apply the principles contained in this report.

I want to earn your business and prove my expertise to you. I'm a nationally known mortgage expert. In short, I'm qualified. And I've chosen to specialize in helping people just like you escape the Financial Rat Race.

However, there are few reasons you need to act NOW if you want to apply for our DebtSlasher Plan:

· My schedule fills up pretty quickly I’m typically booked 2-3 weeks in advance. Call me 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!