Mortgage Secrets Ebook

Mortgage Secrets

"You're About to Learn Secrets That Most Real Estate Investors Will Never Know About How to Finance Any Deal In Any Market."

Dear Fellow Real Estate Investor,
Having trouble financing your investment properties? You're not alone.
In a few seconds we're going to talk about the secrets to financing your investment properties, but first I want to talk about something that isn't a secret: the mortgage market is crazy right now. Banks are failing left and right and now even Fannie Mae and Freddie Mac have been taken over by the federal government. And who knows how the bail out will affect us.
The bad news is that investor loans are tougher to get.
The good news is that you can STILL get them!
You just have to know a little more than the average guy. And now that you're here, that will be easy to do.
There are thousands (maybe even millions) of real estate investors that don't know the first thing about financing. And that's Ok, because in the past it was easy and you could usually rely on your broker. Those days are gone.
Today, if you don't understand the secrets of investor mortgages you will either get royally ripped off or you will be strung along until the 11th hour only to lose the deal (and your earnest money) because the financing fell through.

My name is Susan Lassiter-Lyons and I'm a real estate investor just like you. I'm also a former mortgage broker (that's how I figured this stuff out.)

In my e-book, Mortgage Secrets for Real Estate Investors: How to Beat the Lenders at Their Own Game and Increase Your Profit on Every Real Estate Investment, I reveal literally 44 ways, "secrets" if you will, to get any deal done, in any market.

Do Any of These Statements Sound Like YOU?

• I want to buy my first investment property but I don't even know where to start.
• I have a couple of properties already and want to buy more but... I heard that I can only have 4 now.
• I need to do a double-close but... the lender says "no way!"
• I want to buy (or refinance) a property in my company name but... my company isn't 2 years old.
• I want to buy a house that needs work but... I don't have any money for repairs.
• I want to get cash out of my property but... I've only owned it for a few months.
• I need a non-recourse loan to buy a property in my IRA but... my broker doesn't even know what that means.

ENOUGH With the BUTS Already!

I cover eliminate all of these problems (and many, many more) in my Mortgage Secrets book. The book contains FACTS about investor mortgages and real-life case studies of investors just like you who had crazy deals that they were trying to finance. And we CLOSED EVERY SINGLE ONE.

Let me ask you this.... Do you really want to succeed in this business?

If you truly do, then you MUST understand real estate finance. Financing is everything. It effects the exact number of dollars that you deposit in your bank account. It sometimes is the ONLY factor in determining whether you drive to the bank with a HUGE grin on your face or have to cower in your house when the bill collectors call.

And let's face it, wouldn't you rather focus on more fun stuff? I know this stuff can be a little boring but you spend a few hours listening to my Mortgage Secrets book, let me keep you up to date with all the latest secrets (free updates for life) and you're off to the races. One step closer to firing your boss and joining the ranks of financially free.

Here Are the Secrets
This is the *actual* list of secrets from the Mortgage Secrets for Real Estate Investors package:

• Secret #1: The Problem with Those Investment Gurus
  Gurus can get you into trouble. I go to the same seminars that you go to and I HATE it when they tell you "if the deal is good enough, the financing will apear." Bull!
  
• Secret #2: Industry Secrets
  Almost all mortgages made by any lender in the US are sold off into the secondary market to Wall Street investors and Fannie and Freddie. They make all the rules.
  
• Secret #3: The Secret Agencies
  Find out more about Fannie and Freddie and the "agencies" that make all the rules.
  
• Secret #4: Mortgage Rate Secrets - why do they go up and down?
  Learn what economic indicators cause interest rates tomove so you can time the market like a pro.
  
• Secret #5: Your Secrets - What You Do May Cost You
  Real Estate Investor = Drug Dealer. That's what underwriters think - find out why.
  
• Secret #6: Your Secret Ratio
  This ratio is a green light/red light for undersriters. Find out what your ratio is.
  
• Secret #7: Special Secrets for the Self Employed Investor
  If you're self-employed, lenders are especially cautious. Find out what they look for and how to outsmart them.
  
• Secret #8: Credit Score Secrets
  Find out what score you need, how can you raise it and WHY the lender's score is always lower than the score you monitor online.
  
• Secret #9: Loan to Value Secrets
  How to calculate LTV and how mortgage insurance works.
  
• Secret #10: Property Type Secrets
  It may surprise you to learn that there are more than 50 property types. Find out which ones lenders love... and which ones they hate!
  
• Secret #11: Condo Secrets
  Condos are different! Find out why and how the HOA can determine whether or not you can get a loan!
  
• Secret #12: Rural Property Secrets
  Properties in the boonies are harder to finance. Find out the rules for rural properties.
  
• Secret #13: Mobile Home Secrets
  If you can drive it away, they don't like it. Learn how a secret "tag" located on the mobile home will determine whether you can get financing or not!
  
• Secret #14: Loan Application Secrets
  One phrase in one section of a loan application can mean automatic DENIAL for you. Find out what it is.
  
• Secret #15: Pre-Approval Secrets
  Learn the difference between a pre-approval and a pre-qualification.
  
• Secret #16: Reserve Secrets
  Find out to the penny what you need in the bank to qualify for any loan.
  
• Secret #17: Loan Product Secrets
  The secret to great financing is all in the loan product you choose. Find out which is best for you.
  
• Secret #18: The Secret of Determining Your Interest Rate
  Margins, rate caps, indices... This is how you figure exactly what your rate will be. No more guessing!
  
• Secret #19: Amortization Secrets
  What is it and what the differences are between 30 year, 15 year and balloon mortgages.
  
• Secret #20: Secret Loan Features for Investors
  Learn about three loan features that can increase your cash flow and save you $1,000's at closing.
  
• Secret #21: Hard Money Loan Secrets
  What is hard money and where can I get those great rehab loans?
  
• Secret #22: Rate Secrets
  Learn about the 3 mortgage "channels" - wholesale, correspondent and retail - and who really has the best rates.
  
• Secret #23: The Biggest Secret of All - Yield Spread Premium
  YSP is the biggest secret in mortgage finance. This is where you find out WHO has been ripping you off all these years and how to END it.
  
• Secret #24: Seller Concession Secrets
  Learn how you can get the seller to legally pay your closing costs OR get you a lower rate.
  
• Secret #25: Interest Rate Buy Down Secrets
  The secret way to pay a lower rate for the first 2-3 years of your mortgage!
  
• Secret #26: Rate Lock Secrets
  All rates have to be "locked in." Find out the best time to lock and how closing a week earlier can save you $1,000's over the life of your loan.
  
• Secret #27: Secrets of the Good Faith Estimate
  You've all seen a GFE. I explain it in detail and show you what to watch out for.
  
• Secret #28: Appraisal Secrets - It's All in the Approach
  The 3 different appraisal approaches and how to get your own (accurate) comps.
  
• Secret #29: Secrets of As-Is vs. Subject-To
  Learn the difference between the as is value and the ARV.
  
• Secret #30: No Appraisal Loan Secrets
  There are some loans out there that do *not* require an appraisal. Find out where they are!
  
• Secret #31: Deferred Maintenance - This SHOULD be a Secret!
  What is deferred maintenance and how it can kill your deal fast!
  
• Secret #32: Loan Processing Secrets
  Ever wonder what a loan processor does? AND why you have to pay for it? It's revealed here.
  
• Secret #33: Loan Underwriting Secrets
  Ahhh, the Great and Powerful Oz. I take you behind the curtain and let you know EXACTLY what happens when the underwriter approves (or declines) your loan.
  
• Secret #34: Title Insurance Secrets
  Find out what it is, what's required AND how you can save 90% on a policy if you're flipping a property.
  
• Secret #35: Cash Back At Closing Secrets
  Yes, it does happen but only in certain situations. I share THREE ways you can get cash back at closing.
  
• Secret #36: Double Close Secrets
  Find out what it is, why lenders hate them AND how to find a title company to do one.
  
• Secret #37: Cross Collateralization Secrets
  Discover a secret technique that can get you 100% financing AND get questionable deals done fast.
  
• Secret #38: Secret to Financing Foreclosures
  Just because you got a great deal on a foreclosed property doesn't mean the lender will finance it. Find out why!
  
• Secret #39: The Secret to Buying in the Name of Your LLC
  Buying properties in the name of your LLC means they DO NOT report to your personal credit report. Learn how to do this!
  
• Secret #40: Non Recourse Loan Secrets
  Non-recourse means they can't come after you if the bank forecloses. I show you how to get non-recourse financing.
  
• Secret #41: 100% Loan Secrets
  They can still be done - you just have to know the secret.
  
• Secret #42: The MLS Listed Refinance Secret
  Trying to refinance a house that's listed for sale on the MLS? You are in for a shockingly rude awakening.
  
• Secret #43: The Vacant Property Refinance Secret
  is that rental vacant? Find out why lenders hate that and what you can do about it.
  
• Secret #44: Hazard Insurance Secrets
  Learn how to save $1,000's here, too!
  
• SEVEN ACTUAL Case Studies
  The Greedy Fraudster, The Zoning Issue, The Foreclosure Bailout, Refinancing the Unseasoned, Recently Listed Property, Condo Litigation, Deferred Maintenance and The Refinance Addict. Hear how they ALL went down AND learn lessons you will PROFIT from.
  
• PLUS THESE BONUS SECRETS:
  Bonus Secret #1: Fannie and Freddie's Four New Rules for Investors
  Bonus Secret #2: Portfolio Loan Secrets
  
  It's a TON of content! And it's all up to date and fresh for 2009. In fact, we're on the 4th edition and when you buy today you will automatically receive FREE updates for as long as I live.
  
  And what's even better is that the information is ready and waiting for you RIGHT NOW. This is an immediate download so you can dig in immediately! In less than TWO MINUTES you could be kissing all of your investor financing problems "goodbye" forever.

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