How would you like to have an extra $50,000 to live the life you desire? What about an extra $100,000? If you’re buying a home and you think that amount of money wouldn’t possibly make its way into your personal bank account, then think again. When you use the right strategies and be proactive, you can accumulate more cash than you’ve ever dreamed you’d have. Simply by making some alterations in the type of mortgage you have, the percentage points you pay, and the length of the mortgage payback period you select, you’ll be able to save thousands of dollars. Raise Your Credit Score Choosing Your Mortgage Term Making Extra Payments Toward Your Mortgage Quick Tips To Save Real Money On Your Mortgage How Much Can You Bank? Using Online Calculators Be proactive by putting the knowledge you’ve learned from this guide into practice. Take control of your mortgage payments and discover the life that you deserve!

1. SecretsTo SavingThousands Of
Dollars OnYour Mortgage

2. An Interesting Dilemma…
How would you like to have an extra
$50,000?
What about an extra $100,000?
What would you do with all that extra
cash?

3. The Savings AreYours ForTheTaking
Your mortgage set-up offers you tangible
opportunities to live the life you seek.
 Simply by making some alterations in:
 the type of mortgage you have
 the percentage points you pay
 and the length of the mortgage payback
period you select
 You’ll be able to save thousands of dollars.

4. "Money will come when you are
doing the right thing."
~ Mike Phillips

5. First, RaiseYour Credit Score
A 2% difference in your mortgage
interest rate makes a huge
impact:
On a $100,000 30-year
mortgage, you’ll save $43,968.68
with a 4% loan instead of 6%.
With a $200,000 30-year mortgage,
the 2% difference in interest is
$87,937.37

6. RaisingYour Credit Score
Use one major
credit card.
Avoid over-
using credit
cards.
Focus on
paying down
debt.
Pay installment
loans on time.
Obtain a copy of
your credit
report.
Ask for
“forgiveness” for a
more positive
report.
Refrain from
applying for
new credit.

7. “If you do what you've always done,
you'll get what you've always
gotten.”
~Tony Robbins

8. ChoosingYour MortgageTerm
Can you afford the monthly payments on the 10- or
15-year terms?
How much money over time will you spend on
interest on the 30-year term?
In addition to paying off the loan sooner, the 15-year
term usually carries a lower interest rate, too.

9. Think about whether you should select the 30-year
option if the difference in percentage points you’re
offered is only a half-percent more.
When you select a 30-year option, you’ll pay a lower
monthly payment and be better able to swing paying
extra mortgage payments throughout the year.
Weigh out these issues with your specific cash flow
and financial situation.
ChoosingYour MortgageTerm

10. Be aware of the
vast impact of
interest rates.
Achieve your goals
by successfully
managing your
mortgage.

11. Making Extra Payments
TowardYour Mortgage
“How am I going to come up with the money
to pay an extra mortgage payment?”

12. Finding Money for Extra Payments
Tax Returns
Extra temporary
jobs
Cut non-
essential
spending
Combine 2
financial
strategies
Save your coins

14.  Obtain the shortest mortgage term you can
afford.
 Fight tooth and nail to obtain the lowest
percentage points possible.
 Be leery of adjustable rate mortgages (ARMs).
 Set up bi-weekly payments rather than monthly.
(About half a payment every 2 weeks.)
Mortgage Savings – QuickTips

15.  Pay at least 1 extra payment annually.
 Combine 2 mortgage payment strategies to
save big.
 Avoid including closing costs in your
mortgage.
 Apply all extra payments to the principal.
 Avoid mortgages with early pay-off
penalties.
Mortgage Savings – QuickTips

16. How Much CanYou Bank?
Illustration #1
$100,000 Mortgage
at 4% Interest

17. Mortgage
Term→
Mortgage Amount-
- $100,000 at 4%
10Year 15Year 30Year
Monthly
Payment
$ 1,012.45 $ 739.69 $ 477.42
Total Interest Paid $21,494.17 $33,143.83 $71,869.51
Bi-Weekly
Payment
$ 506.23 $369.84 $ 238.71
Total Interest Paid $19,212.77 $29,245.21 $60,180.16
Total Interest
Savings with Bi-
Weekly Payments
$ 2,281.40 $ 3,898.62 $11,689.35
Pay-Off Time
with Bi-Weekly
Payments
9 years 14 years 26 years
Total Interest
Savings by Making 1
Extra Payment/Yr
$ 1,962.29 $3,485.38 $10,879.56

18. How Much CanYou Bank?
Illustration #2
$100,000 Mortgage
at 6% Interest

19. Mortgage
Term→
Mortgage Amount-
- $100,000 at 6%
10Year 15Year 30Year
Monthly
Payment
$ 1,110.21 $ 843.86 $ 599.55
Total Interest Paid $ 33,224.60 $ 51,894.23 $115,838.19
Bi-Weekly
Payment
$ 555.10 $ 421.93 $ 299.78
Total Interest Paid $ 29,269.40 $ 44,663.16 $ 90,196.39
Total Interest
Savings with Bi-
Weekly Payments
$ 3,955.20 $ 7,231.07 $ 25,641.80
Pay-Off Time
with Bi-Weekly
Payments
9 years 14 years 25 years
Total Interest
Savings by Making 1
Extra Payment/Yr
$ 3,406.66 $ 6,480.22 $ 23,967.86

20. How Much CanYou Bank?
Illustration #3
$200,000 Mortgage
at 4% Interest

21. Mortgage
Term→
Mortgage Amount-
- $200,000 at 4%
10Year 15Year 30Year
Monthly
Payment
$ 2,020.90 $ 1,479.38 $ 954.83
Total Interest Paid $ 42,988.33 $ 66,287.65 $143,739.01
Bi-Weekly
Payment
$ 1,012.45 $ 739.69 $ 477.42
Total Interest Paid $ 38,425.54 $ 58,490.43 $120,360.32
Total Interest
Savings with Bi-
Weekly Payments
$ 4,562.79 $ 1,797.22 $ 23,378.69
Pay-Off Time
with Bi-Weekly
Payments
9 years 14 years 26 years
Total Interest
Savings by Making 1
Extra Payment/Yr
$ 3,924.58 $ 6,970.76 $ 21,758.92

22. How Much CanYou Bank?
Illustration #4
$200,000 Mortgage
at 6% Interest

23. If you could save nearly $50,000
by paying one extra payment a
year, would you do it?

24. Mortgage
Term→
Mortgage Amount-
- $200,000 at 6%
10Year 15Year 30Year
Monthly
Payment
$ 2,220.41 $ 1,687.71 $ 1,199.10
Total Interest Paid $ 66,449.20 $103,788.46 $231,676.38
Bi-Weekly
Payment
$ 1,110.21 $ 843.86 $ 599.55
Total Interest Paid $ 58,538.80 $ 89,326.32 $180,392.78
Total Interest
Savings with Bi-
Weekly Payments
$ 7,910.40 $ 14,462.14 $ 51,283.60
Pay-Off Time
with Bi-Weekly
Payments
9 years 14 years 25 years
Total Interest
Savings by Making 1
Extra Payment/Yr
$ 6,813.29 $ 12,960.38 $ 47,935.72

25. CustomizeYour Results With Online
Calculators
 Bankrate.com
 Bloomberg.com
 CGI.Money.CNN.com
 Kiplinger.com
 Mortgagecalculator.net
 Realtor.com

26. Be proactive in managing
your mortgage and it will
serve you well.
A strong financial future
awaits you!

27. We hope you enjoyed your Special Report!
Curtis Roese is an experienced professional with extensive experience in
personal finance and small business matters. Curtis writes and
publishes articles, courses, guides and special reports on his personal
finance blog.
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