First, you had your local bank who even after years of depositing your hard-earned money gave you no special treatment and little advice … Not to mention your personal information being handled pretty impersonally after it was handed off by the loan officer.

You also had your choice of mortgage broker:

The one who’s office smelled a little funny. The guy with papers everywhere (all of which seemed to have the coffee-mug ring on them somewhere).

OR...

The one who looked like you couldn't afford his tie, let alone his fee... You know, the one who kept taking cell phone calls when you were sitting in his office.

Well, neither one called you back, anyway.

And then the internet came along!!! Supposedly, this was going to "even the score" for us, lowering rates and fees (it didn't and I tell you why in my Borrow Smart Email Workshop ... but you'll get mad when you find out the way they have advertised ... and it ought to be illegal).

Then the "discount" mortgage companies swung into action like a monkey on diet pills ...

They asked to expose your entire financial life to strangers who clearly know less about lending than you do -- perhaps knowing even less about the English language than you do -- having little or no training, were obviously in a call center out of state, or -- taking the award for "Bad Idea of the Century" -- possibly in another country!

AND to top it off, seem like they are actually trying to confuse you.

And then one day you receive a mysterious Fed-ex delivery of an incomplete loan application where you are "asked" to make a financial self-diagnosis and take on a six-figure debt without anyone demonstrating how any of it was any benefit to you.

Finally, a few weeks later your mortgage closed without the knowledge of your financial advisor -- if you even have a financial advisor -- and you never hear from the person who sold you the mortgage again…

(TIP: F.A.’s are not expensive -- in case you thought you had to have a million dollars to get one. They are literally worth their weight in gold for regular folks.)  

Well, I'll tell you one thing... This "mortgage crisis" is giving loan officers and mortgage companies a well-deserved SPANKING!

Did you know that in 2006 there were over 472,000 loan officers in the U.S.?  By December 2008 there were less than 142,000 left... I wonder why? Gee, do you think it occurred to them it's because of the junk I just described... I doubt it.

But 'What if' there was another way?

'What if' there was a borrowing process that wasn't confusing?

'What if' you could get an actual plan to help you pay less interest, fewer taxes and save the most money possible on your mortgage?

And then 'What if' you could use that extra saving to put away for ...

• Your retirement?
• Your kids college?
• Your emergency fund? (TIP: Do you have one of those?)
• Paying off your mortgage early?
• ALL OF THE ABOVE?

'What if' when you turned over important financial information it resulted in thoughtful analysis that improved your family budget and gave you concrete solutions that would fill gaps in your home economy?

Just about everyone has those gaps, don't they?

'What if' your personal mortgage expert stayed in touch with you as your needs changed over time, helped you to clarify your changing needs and made sure your loan was suitable for your needs? In other words...

What if your personal MORTGAGE EXPERT was committed to your ideal outcome?

Hello, my name is Jeff Kuns and I provide mortgages to homeowners who are tired of "Do It Yourself" mortgage shopping. People like us who desire the advice and long-term advantage of working with an expert.

Most people never knew this kind of service was available.

BEST OF ALL, IT COSTS YOU NOTHING EXTRA

In fact, the best rate on the wrong mortgage is the most expensive loan you'll ever have!

Think about it.

Hey, if you listen to the media and financial press today you'd think all consumers should be financial experts... I think this is a tremendous disservice to you and causes people to make unintentional money mistakes.

You aren't expected to read your own x-ray, you don't fill your own cavities in your teeth and you probably don't repair your own transmission.   

"Jeff, you have been, financially speaking, at my side through a couple of pretty serious transitions in my life. The 'emergency cushion' concept you showed me really came in handy (especially last year). Your loan strategies have really helped. Over the years I've known you, I've come to appreciate the way you help filter information for me whenever I have a question about my loan and everything else that is going on these days! I'm glad you will be there to help Lanny and I explore this next big transition in our lives." Charlie O., Graphic Artist, Grass Valley