How to save thousands of Dollars on your home Mortgage without increasing your payment is a well-kept secret! This is a secret not being used by many (read that most) homeowners.

Did you know that after paying 15 years on your 30 year mortgage youll still owe 90% of the original amount you borrowed and after paying for nearly 24 years youll still owe over 50%?

Did you know that on a conventional 30 year mortgage you will make over 120 extra payments? You will pay over 3 times the amount you originally borrowed before paying off your mortgage!

Now, if I have gotten your attention, would you like to know how to remedy this outrageous situation and, best of all, without spending extra money? Well Ill tell you and you will be amazed at how easy it is. You need to contract with a Mortgage Payment Service. Such a service uses electronic fund transfers to debit the homeowners bank account every two weeks, not twice per month. There is a difference!

When a homeowner changes to a Bi-weekly budget it allows them to accumulate the equivalency of a 13th payment over the course of an entire year by giving them the ability to make 26 Bi-weekly payments. Funds are forwarded to the lender once per month because that is the only way they will accept and post them.

Periodically the lender will receive the equivalent of 3 Bi-weekly payments to post in a single month, which allows one Bi-weekly payment to be applied to the principal balance of the loan.

Funds applied directly to the loans principle balance increases the homeowners equity as much as 300% or more. It also greatly reduces the amount of interest they have to pay because the lender will be compounding interest on a

lesser amount.

Budgeting Bi-weekly has been proven to be easier than trying to budget monthly, especially for homeowners on a tight budget. Many homeowners on a monthly budget can not accumulate any additional funds to be applied to their mortgage. Budgeting Bi-weekly allows them to accumulate these funds without even realizing it. For them it is much easier to figure two or three small amounts into a budget more often than trying to figure a larger one-time amount into a budget.

To sum up heres what you can expect to gain when you change the way you pay your mortgage: Save Thousands On Your Home Mortgage WithoutWithour Increasing Your Payment!
Shorten Your Mortgage By 7-15 Years Without Refinancing!
Build Equity In Your Home 300% Faster!
Turn Your Current Mortgage Into An Investment Program!
Increase Your Net Worth Dramatically!
Never again have to write a check to your lender as you did before!

Can homeowners do this themselves? Certainly, but it is hard to do such a thing consistently. In fact, research shows that 2%, or less, of homeowners pay their mortgage bi- weekly.

I, as a homeowner, have recently changed to a Bi- weekly mode of payment on my 30 year mortgage. This will give me an estimated $22,136.19 in interest savings and it will make my payout several years sooner. Also it will produce an estimated total savings of $40,138.34.

If you want to make such savings the tricky part is finding a company that will setup a Bi-weekly program for For you. I went to the Yellow Pages of the nearest large city (Atlanta) and found 11 pages under Mortgages. Only one of them, a Bank, advertised Bi-weekly Payments. I went to Google online and found a good many, all charging you the payer, from $395 to about $1000.

Now, since Im being personal with the example of my savings that I mentioned, I will tell you what I did. I found a company, in business since 1989, that does my Bi- weekly payments at NO COST!

If you, too, want to investigate the advantages this will give you heres what you can do. Go to the Yellow Pages or online and see what you can find. Or email me at www.DrVernon@tds.net and leave your name

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and postal address and I will send you a No-obligation brochure telling how you can get a FREE Bi-weekly service and get an analysis of your mortgage and what savings you can get.

Dr. Vernon Brabham is a retired Eye Doctor and lives in the North Georgia Mountains. He is an author and entrepreneur and has a loving wife and four fantastic daughters. He can be reached at vbrabham@tds.net

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