“The information and insider secrets contained in this Home Study Multimedia eCourse have been compiled during a span of over 26 years from my direct lending experience of closing over $500,000,000 ($1/2 Billion) in loans. My expertise from inside the mortgage lending industry is now available to you. You’re about to know the secret information that has for years been protected by the lenders’ “code-of-silence”…tactics all lenders, including myself, are guilty of using and over profiting from before I decided that you, the borrowing public, deserved to know the dirty truth. Use this knowledge now and save thousands!.” Ron Cahalan, Author

From: Ron Cahalan
Former Mortgage Banker, Now Whistle Blowing Author, Consumer Watch-Dog, Speaker and Publisher

Dear Friend,

It truly pains me to reveal this to you…and I hope you'll forgive me for not telling you sooner.

99% of you and your clients were charged a higher interest rate than they should have been on their current mortgage. Not only that, I can guarantee you that 9 out of 10 of you and your clients paid way too much in points and loan fees.

I'm sorry…the news just gets worse. This travesty applies to all of you and your current mortgages too.

What You Don’t Know May Be Costing You Thousands

Realtors-CPA's-Financial Planners: Reason #1 - Your reputation is at stake. With the highly publicized meltdown in the Mortgage Industry, your clients are going to be looking to you for direction more now than ever before. You don’t want them coming back and asking you “Why didn't YOU tell me these things?”, do you? (this is the original copy used in the site right now, but the intro is changed)

Borrowers and Homeowners: Reason #1 - Ninety-nine percent of your financial advisors don't know this information and thus will not advise you accordingly. It is up to you to protect yourself in case they don't!

If you plan on getting a mortgage anytime in the future, chances are you will be charged a higher interest rate than you should be. On top of that, you will most likely be taken advantage of and will unknowingly pay extra fees and costs you should never have to pay. That goes for your clients if you are in the business.

Unless…you are one of the savvy ones who ACT NOW & ORDER this comprehensive yet easy to understand Multimedia eCourse and Book Package BEFORE you (or your clients) apply for a mortgage loan or even make another offer to purchase a home.

If your curiosity is piqued or you find that your hackles are getting raised by the claims you just saw above, then please read on carefully and absorb every piece of information on this page, because by the time you get to the bottom, you'll know why it's important to get this course to protect yourself as a borrower & consumer and your clients right now, while saving a pile of cash.

“Great to do business with! Customer Friendly and Quick! Fine Book! Thank You!”

— Pamela Rodriguez, Bellflower, CA

Did You Know…

Loan officers and mortgage brokers are compensated based on the interest rate and fees they can get away with charging you? No matter how friendly, helpful and engaging they seem, they have their best interests (and wallets) at heart, not yours.

Realtors-CPA's-Financial Planners: Reason #2 - No more lost commissions and upset clients due to the lender. You will know more about the mortgage lending side of your business than you could ever learn in the classes you take. Now you will know exactly how things work and what happens on the other side of the mortgage deal from a real mortgage insider.

Borrowers and Homeowners: Reason #2 - Get to know what happens behind the closed doors of mortgage lenders... the schemes ands tricks used to sell you loan programs that line the pockets of loan officers and lenders worldwide.

This is the very reason I've made Lenders Are Liars available to you. Unlike any other publication, this one is not written to simply educate you about mortgages. Quite frankly, you can get all the basic information about mortgages from a wide variety of other sources (just not compiled for you in one place).

Instead, Lenders Are Liars opens up all the behind-the-scenes tactics and secrets for you about how the mortgage business really works and is chock full of insider information, dirty little secrets and tips that come from within the mortgage business…breaking the industry “code-of-silence” wide open for YOU, the Borrower and YOU, the Professional, and your clients.

Realtors-CPA's-Financial Planners: Reason #3 - It’s YOUR responsibility to know. You are the perceived expert. It’s up to you to know these tactics and secrets to serve and protect your clients.

Borrowers and Homeowners: Reason #3 - You can't always count on the those you see as experts. They focus on what they do best and without being inside the mortgage business, they can't possibly know what goes on.

For years I have watched lenders and loan officers gouge borrowers right and left. Tired of their lack of morals and ethics, I made the decision to become a consumer activist and invest my expertise in helping and educating innocent, unknowing borrowers about this serious injustice.

As you can imagine, I’ve become very unpopular with mortgage lenders and loan officers across the nation. Their responses have included threats, nasty letters and even attempts to ban this e-course and force it off the market!

Well, guess what…I DON’T CARE!

In fact it has been rather amusing to watch as this information has “put the guilty ones in their places”, exposing their little secrets. Would you be surprised to hear that when loan officers hear about this course, they go completely BERZERK?!

“How could you?” “We’ll get you!” “You are going to regret this!” (Boy, have I heard those more than once.)

As a mortgage banker, broker and loan officer, I have personally financed over half a billion dollars ($500,000,000.00!) in mortgage loans. You're about to receive every single inside secret and tip I squirreled away during my more than 26 years of experience in this easy to read and listen to, conversational style Multimedia eCourse and Book Package.

Realtors-CPA's-Financial Planners: Reason #4 - The FEDS are on a “witch-hunt”. With the mortgage meltdown, each party in every real estate transaction is under a microscope. The lender, appraiser, escrow company and yes, even you, the real estate agent…especially if you refer your clients to a lender or two. You must protect yourself and your career.

Borrowers and Homeowners: Reason #4 - Even the government didn't see this coming. You must educate yourselves. It isn't that being profitable as a lender is the crime; we all believe a business should make a fair profit. It is when those profits exceed fairness and become predatory that we must protect ourselves from becoming a victim.

Many key areas will definitely anger you. That's understandable, isn't it?

Most importantly, as soon as you have this information in your hands, you'll immediately know how to recognize the gimmicks and hidden tricks used to cheat you out of your hard-earned money.

Put these insider secrets to work, and you, the borrower, are guaranteed to secure both the lowest interest rates and lowest fees and points on any mortgage loan…PERIOD! If you are the consulting agent for your clients, this will help you to be the professional you are expected to be.

Even if you or your clients already have mortgages, you'll have special tips and secrets you can use to save money on any existing mortgage, whether or not you refinance, or seek a mortgage in the future.

“…it became apparent very quickly that we made the right decision in seeking your advice before we refinanced. We have bought and sold and refinanced many times over the years and your expertise made this last mortgage the smoothest of all.”

— Leonard and Lisa Gomez, Tempe, AZ

Realtors-CPA's-Financial Planners: Reason #5 - You’ll save yourself thousands on your own mortgage transactions. What better way to advise your clients than to apply this information in your own mortgage transaction, demonstrating its power and effectiveness?

Borrowers and Homeowners: Reason #5 - In every chapter, you will find ways to save hundreds and even thousands on your next mortgage loan in both closing costs and interest rates. No longer will you go into a loan unarmed and vulnerable.

Whether buying a home or refinancing an existing home loan, this information applies. In many cases you will be astonished by the flat-out robbery in the mortgage business and the many different ways borrowers can be taken advantage of. This information will save you and your clients money…headaches…and time.

You'll instantly know how to avoid the mistakes you and your clients could make and protect yourselves from the risks you’ve been vulnerable to while you immediately recognize all the games played by the various parties trying to get deeper into your pockets.

“...I couldn’t believe how much I was being ripped-off by my lender. You saved us over $2258.00 in closing costs on our loan.”

— Larry Johanson, Philadelphia, PA

Records show that over 83% of borrowers and homeowners pay higher than necessary costs, points and higher-than-market-rates when they obtain their mortgage financing. If you are not “perfect” borrowers with high FICO scores, the rip offs get even worse. Whenever there is even the slightest credit blemish, recent job changes or even if you or your clients are self-employed, the loan officers immediately think…“cha-ching” and start piling on the damages.

As a borrower & consumer, you are guaranteed to save hundreds and in many cases, thousands of dollars once you ORDER your copy and apply the inside information contained in the Lenders Are Liars Multimedia eCourse and Book Package. As a financial & real estate professional, you owe it to your clients!

“We are sure we got better than wholesale rates after we were done negotiating. We knew more than the loan officer!”

— Ed and Karen Charles, Mesa, AZ

	Provide your clients with immeasurable value
	Become known as a mortgage “guru”
	Earn instant respect, admiration and gratitude

If you truly want to em>get the very best mortgage, slash interest rates and cut closing costs by thousands...you’ll want to know every single tip, tactic and secret that's revealed exclusively in Lenders Are Liars, because you can't get all this information anywhere else so easily.

“You constantly come through. My clients have saved hundreds if not thousands using your knowledge to beat the lenders at their own game.”

— Dave Nutaitis, Tempe, AZ

	How lenders and loan officers often make in excess of $3000 to as much as $15,000 when closing just one mortgage loan. Just One! (See Chapter 2)
	How lenders get secret rebates, ‘kick-backs’ and ‘yield-spreads’. (They REALLY don’t want this secret made public!)
	How you may be paying over $1000 in an assortment of “garbage fees” on top of interest. (Pure extra profit to the lender and it’s often not disclosed before closing) (See Chapter 3)
	How first time homebuyers think they are getting a “special deal” when in fact they often end-up paying a higher rate AND more in fees just because they are a first time homebuyer. (and how some lenders take advantage of that)
	How you can avoid paying those exorbitant mortgage insurance premiums, even if you don’t have a 20% down payment. (the pros and cons of mortgage insurance) (See Chapter 6)
	How the major and national homebuilders profit big-time from forcing you to use their “in-house” mortgage lender and how to beat them at their own game.
	How to use the Internet to shop for a better rate and if you wish to, still work with a local “real person” to get your mortgage loan.
	How to negotiate with the seller to pay the majority if not all your closing costs. (See Chapter 15)
	How to apply the secret that will cut up to 10 years off your mortgage, save thousands in interest, all without refinancing. (See Chapter 16)
	How to beat the system’s endless requirement of mountains of documentation including your private information.
	How to get a mortgage without having to verify any income and/or your source of down payment.
	How to get a mortgage even if you’re self employed and your tax returns don’t show any income or business profit…or even show a loss!

This is just the tip of the iceberg. There is so much more revealing information jam-packed into Lenders Are Liars that it’s impossible to estimate just how much money you will save. These and many more insider secrets and tips are yours to apply to help you save hundreds and even thousands of dollars. You no longer have to transact business with mortgage lenders unarmed. ORDER TODAY before the book hits bookstores nationwide and the price goes back up to full price.

“I got the seller to pay all of my closing costs and was able to get a rate that was lower than my own bank offered me! Thanks for the info!”

— Joe Schmidt, Seattle, WA

Lenders Are Liars is more than a Multimedia eCourse and Book Package. It is actually a private collection of information and secret notes from over 26 years of mortgage lending “street smarts” condensed into a step-by-step, easy to understand and apply course that you can read, absorb and know very quickly, and be able to refer back to on every loan in the future.

“Good broad info. Worth the money. Thanks!”

— Russell Williams, Des Moines, IA

Did you know that mortgage lenders were recently fined over $8,000,000 ($8 Million!) in just one year! THat is just the beginning.

Why?

For overcharging innocent, unknowing borrowers hidden and undisclosed fees and interest charges.

Guess what…these were just the “big boys” the Justice Department went after. What about all the private or smaller mortgage lenders that haven’t been caught yet or are too small for the Feds to go after?

You (and your clients) will have the knowledge to turn the tables on banks, brokers and loan officers trying to line their pockets with your hard-earned money. These unscrupulous lenders will never again be able to take you for another dollar. You will never again make the mistakes that could cost them hundreds to thousands of dollars over the next 20 or 30 years…
month, by month, by month. You could possibly be ruined financially for a lifetime!

“…the knowledge available from the author of this Multimedia eCourse and Book Package is vast and instantly useful and saved us $3263.00 in costs”

— Randy and Beth Brewer, Mesa, AZ

Did you know loan officers are paid on commission?

The higher the loan amount, the more they are paid. The higher the interest rate they can get away with charging you, the more they are paid. (and it’s substantial. A 1/8th percent higher rate can mean from $500 to $1,000 more in that loan officer’s pocket.)

Not only that …the more fees they charge and split with their bank-employer, broker-lender, the more of the borrower’s money they pocket.

It is a normal, everyday practice for lenders to charge the innocent, unknowing borrower higher rates and/or fees by using reasons like: minor credit blemishes, too many bills, too little time on the job, bankruptcy or even a divorce.

Loan officers will try to get you (and your clients) to lock-in your rate so that your clients feel like they can’t shop around any longer.

The truth is, they can lock-in a rate and still continue to shop to be sure they are getting the best deal. The rate quoted over the phone is often used just to get your clients to come in and sign on the dotted line. This tactic is used all the time without the borrower even knowing it.

The mortgage banking industries have tremendous political clout and Lenders Are Liars and the many insider secrets it reveals could be banned from normal retail distribution channels. That’s one reason this insider information is currently not available in bookstores, but will be very soon.

Once again...I DON’T CARE about them. I care about borrowers, homeowners, consumers & agents that have been affected by this piracy.

Lenders are Liars is quickly becoming one of the fastest selling publications on the Internet, thanks to the many real estate and financial services professionals who are raving about it to their friends and co-workers. Thousands of people are benefitting from using the techniques and information revealed in Lenders Are Liars and are saving from hundreds to thousands of dollars on each and every loan.

By going public with this information, I intend to help change mortgage banking history.

“...with integrity and honesty so lacking in the mortgage industries, it is great to see someone have the guts to tell all. I will give my clients this Multimedia eCourse and Book Package in the very beginning of every relationship. Way to go!”

— Steve Crow, Los Angeles, CA

You now have instant access to twenty six years of an insider’s hard won education available to you. The best news of all is that you made it here to this site just in time to take advantage of an unprecedented and special offer...Are you ready to grab it?

The average borrower will probably pay over $100,000 more in interest than they should have paid over the life of their mortgage. As soon as you download Lenders Are Liars you (and your clients) will know how to easily cut that by 1/3 even at today’s lower rates.

“Great book! Well presented. Thank You!”

— Christopher Wells, Albany, NY

That same borrower pays somewhere between $5,000 and $15,000 in closing costs and prepaid reserves for taxes and insurance (some pay even more). Get your own copy of Lenders Are Liars and you (and your clients) will see how to save over half of that in closing costs alone.

Borrowers paying Mortgage Insurance pay on average, from $70 to over $150 per month, every single month. Order Lenders Are Liars and you'll know how to eliminate mortgage insurance if you’re paying it now and how to avoid it altogether on your next loan…even if you make NO DOWN PAYMENT. You’ll also know the situations where Mortgage Insurance can make sense (especially now that it is tax deductible!).

“Helpful! Book provides good insight into mortgage origination. I saved a ton! Thanks!”

— Lynn Minch, Detroit, MI

Take advantage of this Special Offer for the Lenders Are Liars Multimedia eCourse and Book Package right now, and enjoy even greater value…

For a very limited time if you act quickly while they last, you will receive the following package of 10 Special Reports and eBooks that sell for $7 to $27 EACH as a FREE BONUS:

	Bonus #1 5 Fatal Credit Mistakes - The five most common mistakes consumers make that have dramatic effects on their credit scores.
	Bonus #2 Credit Facts You Need to Know - Facts about credit bureaus and how your credit is scored by different types of credit.
	Bonus #3 Down Payment Assistance - Did you know there are programs that can assist you in obtaining a down payment for a home?
	Bonus #4 ID Theft and the FTC - This is a special government agency report from the Federal Trade Commission regarding protecting yourself from identity theft.
	Bonus #5 Improving Your Credit Scores - The steps you need to know to immediately improve your credit scores.
	Bonus #6 Seven Critical Strategies - More detail regarding your credit do’s and don’ts.
	Bonus #7 Understanding The Appraisal Process - What happens when a home is appraised? How is value determined when homes are not exactly the same?
	Bonus #8 Understanding Your Credit Report - How do they come up with those scores?
	Bonus #9 Your Initial Meeting with a Loan Professional - What questions to ask and why.
	Bonus #10 Zero Down - All the different options available for no-down-payment loans.

The online retail price for the Lenders Are Liars Multimedia eCourse and Book Package for those clients and students unable to attend my $697 Live Seminar is $147…and considering all the insider information you’re given and the hundreds to thousands of dollars you’ll save yourself and your clients on the very next mortgage transaction, it’s a BARGAIN that will pay for itself many times over.

“Very informative book with a nice layout - Highly recommended.”

— Chris Black, Chicago, IL

However, with all the recent national press about the subprime lending meltdown and predatory lending practices in all areas, I realized I must get this information out to even more of the public immediately. It seemed that one of the best ways to do that was to put it in the hands of professionals that consult and advise multiple clients each and every day…and do so in an unbelievable way...

This means you can order Lenders Are Liars today, for only $4.95...

BUT...I NEED YOUR HELP SO THAT WE, TOGETHER CAN HELP AS MANY BORROWERS AND HOMEOWNERS AS WE CAN, YES...I NEED YOUR HELP! OBVIOUSLY, THERE IS NO MONEY IN THE BOOK AT ONLY "A BUCK NINETY-NINE!" BEING TRANSPARENT, I EARN JUST OVER $1 IN THE SHIPPING AND HANDLING AND KEEP MY KIDS AND INLAWS BUSY HELPING. THE BOOK WILL BE IN BOOK STORES IN A FEW MONTHS FOR OVER $15.00. IN THE MEAN TIME, THE CRISIS IS HUGE AND I REACHED AN AGREEMENT TO GET IT OUT THERE NOW AND ASSIST THE SO MANY FAMILIES THAT NEED THIS INFORMATION OR WILL NEED IT IN THE NEAR FUTURE.WILL YOU AGREE TO FORWARD THE WWW.LENDERSARELIARS.COM WEB SITE TO EVERYONE IN YOUR ADDRESS BOOK? DON'T ALL OF YOUR FRIENDS AND ASSOCIATES DESERVE TO BE PROTECTED AS WELL? THEY WILL THANK YOU FOR THINKING OF THEM! IT IS MY GIFT BACK TO THE COMMUNITY DURING THIS DIFFICULT TIME.

YES, You Read It Right! That is ONLY $4.95! Compare that to the regular book price of $15 or the upcoming Online Seminar price of $147 or the cost of my $697 Live Seminar... Help me to get this out to as many homeowners and borrowers as we possibly can... as soon as we possibly can! Thank you!

ALL this info is yours for ONLY $4.95 plus shipping & handling!!!

Yes - This is only available for a very limited time. As soon as the book hits the bookstores, the Online Seminar price will go back up to $147. The Live Seminar Tour begins, at that point, to come to one of my Live Seminars you will pay $697.

Take Advantgage of This One-Time Offer and Order Your Copy Today

“Excellent service and the book contains excellent useful info - Thanks!”

— Connie Star, San Jose, CA

I guarantee that any ONE of the hundreds of money-saving secrets and tips contained in Lenders Are Liars will quickly and easily save you hundreds of dollars and in many cases you will save as much as $5000 to $10,000 in just the application process itself!! This is highly profitable information you’ll be able to put to use immediately.

“Absolutely brilliant! Perfect to deal with!”

— Daniel Welch, Sydney, Australia

Order Your Copy Right Now

Your Secure No-Risk Acceptance Form YES! I want to start beating the mortgage lenders at their own game so I can begin saving hundreds to thousands of dollars in interest charges, points and fees on all my future mortgage loans as well as reducing my costs on my existing mortgages. I understand I will instantly receive... The Lenders Are Liars Downloadable eCourse The 10 Downloadable Bonus Reports Postal Delivery of Book in 1 to 6 weeks I understand I have nothing to lose and everything to gain by using the strategies and techniques revealed in Lenders Are Liars. I want to download my course immediately!

Yours for fair mortgage dealings,

Ron Cahalan

P.S. Lenders Are Liars is the only course available today that reveals exactly what you can do to beat the lenders at their own game, avoid their dirty tricks and save hundreds to thousands of dollars on new or existing mortgages. During this prior to national bookstore release introduction, it’s an absolute bargain that is guaranteed to return at least 500 times its cost the first time you use the techniques revealed. Download it today.

 

“Great book, delivered everything it promised. I saved hundreds the first time out!”

— Craig Bradley, Ontario, CA

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