Save $53,272 When Buying

And Financing A Home…...

GUARANTEED!

© 2009 DebtTrax Systems All rights reserved

Are All Lenders
Really The Same?

You Decide!
Here’s What EVERY Lender
And Realtor Can Help You Do!

Buy A Home – Get A Loan

Pay It Off In 30 Years
My Goal Is To ACT Like A
Banker Not A Borrower!

% $
Borrower Banker
Those Who Understand INTEREST, EARN IT!
Those Who Don’t Are Destined To PAY IT!
Which Sign Would You Rather
Have In Your Front Yard?
Now, Here’s What The Banks Know:

 We Refinance Every 5.1 Years (the national average)

 We Sell Every 7.4 Years (the national average)
 Less Than 10% Of U.S. Homes Are Paid Off
 Consider These Facts…..
The TOTAL cost of buying and financing your home;
(30 year loan at 5.5% not including taxes and property insurance)
NOTE: ***6% Rate (+.5%) +$31.40 per month and $11,425 in total interest paid

$100,000 Total Cost $204,403

$150,000 Total Cost $306,602
$200,000 Total Cost $408,807
$250,000 Total Cost $511,006
$300,000 Total Cost $613,210
$400,000 Total Cost $817,614
$500,000 Total Cost $1,022,017

Is It Fair to Say, “Stop Focusing On Interest Rates

and Pay Attention To INTEREST PAID!”
 Wait, It Get’s Worse!
If you refinance your mortgage in 5 years:
(assuming an initial $100,000 loan, rate and term refi with a new rate @ 4.75%)

Initial Loan Amount $100,000

Payment (P&I) $567.79
Balance After 5 Years $92,461 (-$7,539)
Closing Costs $3,000
New Loan Balance $95,461
(Closing costs rolled into new loan)

New Payment $497.97

Monthly Savings $69.82

How Many Months Before You Break Even?

$3,000 / $69.82 =42.97 months……CORRECT?
 WRONG!!!
433.03 Months (35.25 years!)
You made $34,607 in payments over the
past five years……..right?

Who has the $34,607, You or the Bank?

THE BANK, OF COURSE!

This is what you are doing!
 Has Your Lender,
Realtor, CPA or
Financial Adviser Ever
Shared These Facts
With You?
If Not, Why?
 Let’s Look At Different Option’s
Purchase and Finance a $100,000 Home at a 5.5% rate:
This is for illustrative purposes only – all plans must be customized - assuming $36,010 annual income,
$350 car payment, $100 revolving debt and living expenses of $850)

Monthly Payment: $567.79 (+$230 TIMI)

Home Paid Off In: 6 Years
Other Debt Paid Off: 10 months
Interest $ Saved: $84,847.88
Effective Interest Rate: 1.215%
Payments Invested for $426,984.25
Remaining 24 Years @5%

Accomplished With The SAME Amount Of Money

OTHER Realtor’s & Lender’s Would Have You Spend!!
 The FLSN Annuity Plan

# Of Homes Owned: 4
Monthly Payments: $0.00
# Of Rental Homes: 3

Monthly Rental Income: $4,500 per month***

***estimated***
A Different Option
 How Do We Accomplish All Of This?

Consider this fact……..

An extra $30 per month added to your your
$100,000 mortgage @ 5.5% will eliminate 41 mortgage
payments!
With our Five – Step Cash Flow and
Debt Elimination Plan……….

My Equity Blueprint!
Step #1 – “Cash Flow & Debt Analysis”
Analyze Your Cash Flow and Debt!
 Step #2 - Cash Flow Repositioning

On Average We Save $750 - $2,000 Per Month In Expenses!

 Step #3 - Receive Access To Money Saving
Information and Discounts…Help Them Save!
Step #4
Go
Shopping
And
Save
Money!
Step #5 - Enter Your Data Into
MyEquityBlueprint.com
Here Is A REAL Life Client Before FLSN:

Current Cash Flow

Net Monthly Income: $3,432

Auto Loan: $505 (4.3 yrs remaining)
Debt Payments: $110 ($6,034 balance)
Living Expenses: $1,766
Rent: $975
Disposable Income: $76
Here Is A REAL Life Client’s After FLSN:
Current Cash Flow
Net Monthly Income: $3,793
Auto Loan: $505
Debt Payments: $110
Living Expenses: $827
New Mortgage Payment: $884 (PITI - $125,000 LA)
Disposable Income: $1,467
Debt Free (CC’s) 6 months
Debt Free (Car) 19 months
Debt Free (Mortgage) 6.58 Years
****NOTE: Used $1,000 per month of cash flow savings****

30-Year Cash Accumulation: $1,051,751.14

 Option #1
So, Let’s Recap;
Buy A Home – Get A Loan Pay It Off In 30 Years!

Option #2

Buy A Home, Pay Off In 6 Years, Save $426,985!

Option #3

Buy 4 Homes – Pay All Off In 30 Years – Collect Rent!

Option #4

Buy Home – Pay Off In 12 Yrs. – Create TAX FREE Plan

All With The Same Amount Of Money Every Other Realtor

And Lender Will Have You Spend Every Month!
So, Now You Can
Decide…………
Does It Make
Sense For Us To
Work Together?