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Carmel Mortgage

Before you look away
take a moment to think...

Are you ABSOLUTELY SURE you're paying the least amount on your mortgage? Are you MISSING ANY OPPORTUNITIES to save by consolidating? Are you ON-TRACK with your long and short term goals? Think Carmel Mortgage.

FACT: 9 out of 10 homeowners pay tens of thousands more on the interest from their loans than they need to. Many homeowners miss out on valuable investment strategies.

WHY? Other companies are looking only to slot you into their "program-du-jour" or are afraid they will not make their usual profits by giving you a loan that's in YOUR BEST INTEREST.

What Makes Carmel Mortgage Different?

Just how can we save you money when other companies won't?

Carmel Mortgage is different in THREE VERY IMPORTANT WAYS from all the other companies calling and mailing you or advertising in the Yellow Pages and on The Net.

1. INDEPENDENT

.and plan to keep it that way! We're not owned or dictated to by any huge mortgage corporation. We work with many different companies and refuse to be locked into a particular niche. This allows us the freedom to shop around for you.

RESULT: Carmel Mortgage is able to give you the very best loan solution for your situation.

2. EXPERIENCED

We've been around over 25 years. This means we have a proven track record. This also shows you we know how to successfully work through tough situations to get it done for you. We've been successfully navigating the changing markets for decades. We've built solid relationships and know how develop new ones. This doesn't happen overnight!

RESULT: We know how to make things happen for you.

3. THRIFTY

Although we've been successful for a long time and we're independent, we're also small. Our overhead and expenses are low.

RESULT: We can pass greater savings to you (rather than corporate shareholders).

Issues We Can Help You With:

• Debt Consolidation:
  • Combine your 1st and 2nd
  • Pay off student loans, car loans, settlements, etc.
  • Zero-out your credit card balances (and save yourself from CRUSHING interest rates)
• Cash Out Equity for home improvements, or just to have the money
• Zero-Down Home Purchases
• Second or Investment Property Purchases
• Foreclosure
• HERE'S SOMETHING YOU WON'T GET ANYWHERE ELSE, comparison information on the best program for your personal situation! Where will various loans leave you in 5 or 10 years? What will you be PAYING ...and -even more importantly- what will you be SAVING? Find out how soon you can become entirely DEBT FREE!

...all while you're saving money with a new loan from Classic Mortgage! You'll even be able to skip a month of payment.

Help is just a call away. Find out how much we can start saving you this month.

Just how much money can Classic Mortgage save you? A simple phone call will tell you. We assure you we have helped THOUSANDS of PEOPLE and saved them THOUSANDS of DOLLARS. It's rare we can't help ...and, in that case, wouldn't it be great peace of mind to know you're already in the best possible loan?

So what do you have to loose, except the time it takes to make a 12-minute phone call?

We almost always tell you whether we can help during that first phone call. If not, the next business day.

This is so much more than a phone call. Think of it as a personalized FINANCIAL PLANNING TOOL. It's free to you and entirely without obligation.

Keep Your Hard-Earned Money and Let It Work Better FOR YOU!

• Your new mortgage will cost you no money out of pocket

• Stop trying to save for a down payment, we have 100% financing

• Pay off all your loans: credit cards, car payments, and the rest

You can qualify for our 6.25% 30-year FIXED mortgage program* with a minimum credit score of 580. This is a 30-year fixed loan with no pre-payment penalty.

- or -

These loans usually don't require any tax returns, and this works well for self-employed borrowers. Most loans are approved the same business day.

We also have programs starting with credit scores as low as 580 for 100% financing of your new home.

Pay off all your loans:

Pay off car payments, student loans, credit cards, taxes, and all the rest. You can apply now.

Your new mortgage will cost you no money out of pocket!

All expenses can be paid from your equity. You should be saving at least $500 per month by refinancing with this lower rate. Most of our borrowers are saving between $1,000 and $2,000 per month.

Your current credit cards and installment debt is costing you on average $1,380.72 per month on your debt of $46,024.00. By including this on your new mortgage loan, your monthly debt payment would now be lowered to $168.97 per month.

Stop trying to save for a down payment:

We also have loans to 100% for purchases. Our 100% financing can even include your closing costs ...it's the best way to buy a home. Here's how you can purchase a home with no money down.

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Why pay more?

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