Cash Flow Option Mortgage

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“Cash flow is king! When it comes to successful financial management we need to maximize the money we make! Because most people live pay check to pay check an option mortgage is a great tool that will free up 45% of your monthly income.”-SJ Pasinski

A Cash Flow Option Mortgages is the most powerful tool that American home owners have today. This unique Cash Flow Mortgage program is designed to turn your mortgage from a liability into an asset and save you thousands or tens of thousands of dollars annually. By paying ONLY 1% interest it is designed to take those thousands of dollars in savings and apply it towards investments that yield you much larger returns. This is the SAME EXACT SUCCESSFUL WAY banks do it every day and become wealthy in the process (this process is called arbitrage)! It is no wonder the Cash Flow Mortgage is the fastest growing mortgage/financial investment product in the United States.

The Cash Flow Option Mortgage allows you to maintain flexibility liquidity and safety of principal by allowing home equity to grow in a separate liquid side fund where it is accessible in case of:

 

Lucrative retirement fund

Emergency

Temporary disability

Unemployment

529 College savings program

Investments

Free up 45% of your existing cash flow WITHOUT ANY ADDITIONAL EXPENSE.Pay the same monthly payments as you do now HOWEVER a large chuck of those SAME EXISTING monthly payments will be diverted into a compounding interest investment account that will yield you substantial returns.- ‘there is no greater force than that of compounded interest AND the Rule of 72‘ – Albert Einstein
Call 1-888-577-8338 today and learn more. The advantages of successfully managing your cash flow are important as well are the many disadvantages we must face if we choose NOT to. We will review them so you can see both sides of your options and you can choose.Let’s take a look at some of the MYTHS and obvious REALITIES we Americans face.First lets start at the end of an persons life. We believe in modeling people that have achieved success and also believe that it is imperative that we learn from those that have not.

1. At retirement more than 93% of Americans are either dead or dead broke.
2. 85% of Americans live paycheck to paycheck and CANNOT afford to fund a retirement.
3. The wealthiest American landowners are: The insurance companies and banks.

WHAT ARE THE COMMON CASH FLOW MYTHS?

Just because all the dogs are barking up the tree doesn’t make it the right one! Most people develop ideas about what to do and how to handle various situations they face; it is proven in behavioral psychology. Here are some COMMON MYTHS that people develop about their mortgage:

1. Equity in your home has a rate of return.
2. Extra principal payments on your mortgage save you money
3. Mortgage interest should be eliminated as soon as possible
4. More equity in your home equals more net worth
5. Your home equity is a prudent investment.
6. Pay off your home early.

Cash Flow Option Mortgage – REALITY

Now let’s see the REALITY to all those MYTHS. By following these proven methods

Cash Flow Option Mortgage – MYTH # 1 Equity in your home has a rate of return.

1)Cash Flow Option Mortgage – FACT -Your home equity has a 0% rate of return. I had a man call me the other day and he was telling me that he owed only $50 thousand on a home that is valued at over $650 thousand. I proceeded to ask him what is the interest rate you receive on your $600 thousand of equity? He told me that the going rate was 5% to 6% right now and nobody had ever asked him that question before; he had no idea what I was talking about. This is a wealthy business man that had the same patterned thoughts of our American culture the same thoughts that cause 93% of Americans to be dead broke at retirement. It’s not bad or good; it’s just something he did not look at until we talked about it. After he confessed that he was unsure of what I was referring to I asked him what interest rate he would expect if he put $300 thousand into a checking account. He said 2 or 3%. I then proceeded to ask the same question another way I said how much interest do you receive annually from the $600 000 equity and who gives it to you? He said ‘Wow – I NEVER looked at it that way!” and to be honest most people have not seen it that way…until now.

Applying dead and non-interest bearing equity into a safe tax-free compounded interest bearing account yielding you an 8% average safe return on your money is one of the little know secrets of the Ultra-Wealthy and a secret that we will help you implement.

Now if you are familiar with the historical return of the S&P 500 you already know that it has paid out at an average of 10% over the last 50 years. In the above real life example we find a successful business owner with $600 thousand of equity that is not safe or liquid and no rate of return! If that man were to cash out the equity in his home he will be better able to take advantage of an additional $60 thousand annually ($600 annual equity x 10% ROI from the stock market). Remember this is only an annual estimate that because of compounded interest the numbers are slightly larger and after only 5 years he will realize upwards of $300 thousand. Remember he was receiving $0 as equity ROI for the past 5 years until I showed him this found money! How much MORE money will he have in ten years? How about 30 years? Another important fact to remember here is your home will appreciate at the same levels no matter if you have a 100% mortgage OR if your home is free and clear. The whole idea is turn your mortgage from a liability to an astonishing Cash Flow Option Mortgage asset building power tool!

Cash Flow Option Mortgage – MYTH # 2 Extra principal payments on your mortgage save you money.

2)Cash Flow Option Mortgage – FACT – Extra principal payment on your mortgage actually costs you money! Let’s start this off by saying that banks are in business to make money. I’m certain everyone agrees with that and a supporting fact to this is banks are in the top 3 of land ownership in the United States. How is this AND if it works so well for them maybe there is something very valuable lesson for all of us to learn here. Paying extra principal payments in our opinion (and many of the most astute financial planners in America) is not the BEST wealth building idea because you will be putting your money into equity that yields you a zero percent rate of return as oppose to the stock market that has paid a 10% rate of return over the last 50 years and the best way to get this point across is to show an example:

a. Let’s take a simple yet practical example of a 30 year mortgage with an approximate balance of $200 thousand and someone that makes an extra principal payment to their mortgage of $100 per month every month for the next 20 years. 85% of Americans live paycheck to paycheck. This is equivalent to an biweekly mortgage payment. What has happened here? Several things actually occurred. You will be able to knock off about $56 659 off the balance of your mortgage with only a $24 000 investment – pretty good right? WRONG

b. Let’s say you take the above example and decides to utilize the Cash Flow Option Mortgage program. Here is what you might find. First you will remove yourself from the 93% of Americans that are dead broke at retirement if you take the approximate monthly savings of $550 per month with a Cash Flow Option Mortgage and every month and you put it towards an interest generating account at 10% or 8% or even 6%. At the same period of 20 years in the above example you will generated at the 8% rate of return an astounding $385 124.26! At this point you can pay off your mortgage in full and still have $184 124 more. If you were to get the average rate of return of the 10% that the stock market has realized over the last 50 years you would now have $497 867.35. This is how to turn your Cash Flow Option Mortgage into an asset and a way we can help you make certain you end up with a nice retirement package!

In the above normal scenario your bank would be that much further off than you would be and all we are saying is let’s merely redistribute the money back to you. So the tables are turned in your favor.

3) Mortgage interest is your friend.

Our Goal

We are specialists in the Cash Flow Option Mortgage arena and it is our desire to share this plan with you and take advantage of the many substantial benefits along with the best positioning of both your short and long term financial future.

Our goal is to motivate the American consumer concerning the fallacies of utilizing a typical thirty-year fixed mortgage as an instrument to be reapplied for on a constant basis. This type of loan is front end loaded with interest and works in favor of the lender. The average American applies for a mortgage every 4.6 years and during this time they are only paying approximately 6.9% of their balance on a 30 year note that is fixed at 6%. If you apply for a loan every 5 years for 25 years you will still owe 70% of their balance with 30 years remaining. If you “start over ” you might as well be paying the minimum payment on a credit card. The math is outrageous and if you are determined to apply for mortgages anyway you at least need to use the right mortgage product.

It is our mission to show you your options when applying for mortgage loans. We teach you how to make the smallest payment with a Cash Flow Option Mortgage and invest the difference. Essentially you will reverse the tables and pay the principal direct. We will show you a modern and more sensible way to do a mortgage.* This has been called the “Term insurance of the mortgage industry.” Once people understand the math it’s simply and common sense. Our job is to show you the numbers and let you decide based on the facts. Why pay for years you are never going to use?

Call 1-888-577-8338 today and learn more.

 

Option Mortgages

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