By simply paying half your mortgage payment every two weeks, you end up making 26 half payments a year. That adds up to a full extra payment each year. During the first ten years of a typical mortgage, 85% of your payments are applied to interest. However, on the bi-weekly program, this extra payment is totally applied towards reducing your principal balance. The amount of interest this saves you over the life of your loan is simply staggering. Since most people get paid weekly or bi-weekly, they find paying their mortgage this way to be more convenient and better for their budget.

With most traditional monthly mortgages, you write a check once a month, and then mail the check along with a coupon to your lender. You mail it early enough so that it will arrive and be processed before your due date to avoid late payment penalties. You do this month after month for the term of your loan (usually 30 years).

When you enroll into the Mortgage and Loan Savings Program, we do most of the work for you! Your bi-weekly payments are automatically deducted from your account every week, bi-weekly, or semi-monthly. They are then transferred into an FDIC insured account at a prominent federally regulated bank contracted by NBA or AAA Financial to safeguard your transactions. They make your monthly payments for you, on time, every time. And since our Mortgage and Loan Savings Program works WITH your existing mortgage...you don't have to refinance or change your loan or lender to get all the added savings.

In a year's time, we will have made 26 withdrawals (52 on the weekly plan) and paid your Lender the equivalent of 13 monthly payments. This extra payment will go directly toward your principal, and as a result, you will eliminate 7-8 years off your 30 year mortgage!

We do the work for you. You don't have to hassle with sending in checks and coupons. And, you don't have to worry about late payment penalties.

When you enroll, there is a minimal setup fee. There is a standard $3.50 bi-weekly transfer fee to cover processing charges.

Could you do this yourself? Yes, the opportunity to pay extra principal every month on your own mortgage is a legal right in your mortgage contract. There are over 52 million mortgages on residences in the USA. Statistics tell us that homeowners who pay extra principal month after month consistently for more than a year is less than 3%. 97% never do! Have you? What MS&LP does for the consumer is it puts you on a disciplined, automated system so that you are guaranteed to be one of the 3% and save $50-$100,000 or more in interest on your mortgage. When we're talking about $50-$100,000 or more, it makes sense not to leave that kind of savings to chance! Program is the smart choice.

Better Than Savings!
When you borrow money, you traditionally PAY 3 to 6 times more in interest than you would EARN on savings or investments. Example: Put $100,000 in savings at 1.5%, and you will only earn $1,500 a year in interest. Borrow that same $100,000 at 6%, and it will cost you $6,000 a year in interest.

These numbers make it clear that any money you put into reducing your mortgage gives a rate of return on your investment 3 to 6 times greater than that offered by your savings. That's why the Interest Minimizer makes such sound financial sense. ARE YOU READY TO START SAVING?

For more information, or to enroll in the Mortgage Savings and Loan Program please call 800-648-5771.

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