Attention Homeowner:

"Who Else Wants to Make Sure They Don't Ever Miss Another Opportunity to Refinance And Save Money?"

Is your mortgage being managed by a true mortgage professional?  Better yet, is your mortgage even being managed?  If you said "No" or "I don't even know" then today could be your lucky day.

My name is Kevin Kowalke.  For over 9 years now I have been helping homeowners successfully manage their mortgages giving them the peace of mind knowing they are on track to reach their financial and personal goals in life.

I have done this by creating long-term relationships focusing on making sure each and every year my clients are on track to achieve their goals of debt elimination and wealth creation.

You need a Professional Mortgage Manager who is looking out for you and your largest asset, your home.

The majority of homeowners missed out on an 87 minute opportunity to refinance in January. They didn't have anyone monitoring the interest rate environment who could anticipate that rates were going to go down on this occasion.

Were you one of them? 

If you did refinance did you have to pay closing costs?

Did you use a different mortgage professional?

If you answered yes to any of these questions then you are missing out on the most important professional that you need on your team, a Professional Mortgage Manager.

What is a Professional Mortgage Manager?

Let's face it, your home is one of the largest, if not the largest, assets you have.  And along with it comes a mortgage...better known as DEBT!

Debt itself it not necessarily bad.  In fact mortgage debt is the best debt you can have since it is tax deductible.  There is a strategy that works for every homeowner when it comes to paying off debt.

What you have to be careful of is the "mortgage professional" that is only looking to talk you into some great idea of how to consolidate your bills and tell you how much money you will have when everything is paid off.

That is not advice.  That is someone trying to create a paycheck.

The difference between a mortgage professional and a Professional Mortgage Manager is relationship.

A Professional Mortgage Manager is there for you every week, every month, year after year.  A Professional Mortgage Manager's goal is to provide you with the knowledge and service you need to become a successful homeowner.

It is not about trying to find opportunities to do another refinance that is only going to cost you more money that may not even be truly beneficial.

Why Should I Have a Professional Mortgage Manager?

Where does the majority of your money go?

The majority of your money goes to paying debt.  Debt includes, but is not limited to:

• Mortgages
• Car Loans
• Student Loans
• Credit Cards
• Federal & State Income Taxes (Most People Don't View This As Debt, But It's the Biggest One You Pay)
• Insurance - Medical, Homeowners, Car

When you add it all up it can take anywhere from 70%-80% of your money and we haven't even taken into consideration daily living expenses such as gas, groceries, food and entertainment.

What does that leave for you and your financial planner?  It leaves somewhere between 0% and 10%, if your lucky.  All you have to do is look at the savings rate in the United States which currently is negative.  That's right.  People are spending more than they actually make.  Scary!

Managing your debt and mortgage is the most important aspect of your financial life.  Having someone regularly monitoring this is important to make sure it gets paid off in the least amount of time possible and with the most tax savings.

This is where having a Professional Mortgage Manager comes in.

What Benefits Will I Receive By Having My Mortgage Professionally Managed?

The list of benefits you will receive is constantly evolving.  Here is a list of benefits you will receive when having your mortgage managed by my team and I:

 

• You will receive each and every week via email the "Mortgage Market Guide Weekly."  It is filled with vaulable information that keeps you up to date on the interest rate market, the economy, real estate as well as useful consumer tips that every successful homeowner needs to know. This is a $97 value.

 

• Every month you will receive in you mailbox my company's newsletter every homeowner should have.  The newsletters are filled with additional consumer tips, success stories, discounts and money-saving offers from our list of preferred vendors, new baby announcments, weddnig announcements and so much more.  We have had one client report saving $237.57 just from one discount coupon incuded from Lowe's.  The value here is constantly growing.  Conservatively everyone could see a $97 value.

 

• Periodically throughout the year you will receive bonus audio CDs that will contain interviews with leading experts on topics every successful homeowner shouold be informed about.  From identity theft to the importance of having a will and trust to tips on keeping your home in tip top shape.  When appropriate, the experts will be offering their services at a discounted rate giving you many money-saving opportuities each year.  Each CD has a $47 value.  This year you will receive at least 3 CDs.  That is a $141 value.

 

• Once per year you will be scheduled for your very own Annual Mortgage Review with me personally.  I currently charge $297 to consult with homeowners that are looking for advice without actually applying for a mortgage with me.  We talk debt elimination, wealth creation, and money-saving strategies.  We will find out what your "Freedom Point" is.  These meetings alone have saved clients thousands of dollars and created opportunities to move closer to financial freedom.  Being part of this exclusive group it is free for you.  That's a $297 value.

 

• And there is more on the way!  As of right now you will receive all for these benefits, a $632 value, each and every year!

 

• But here's the best one of all.  As part of this opportunity, you will receive FREE refinances on your first mortgage for as long as you live in your current home.  So, if you can benefit from a refinance I will pay ALL of your closing costs saving you more money faster and more often.  That is a $1,842 value each and every time!  If you are like two of my current clients, who refinanced a total of 9 times over the last 5 years, you would have saved $16,578 in closing costs alone!  That doesn't even include the monthly and yearly savings having having lower interest rates.  By not having to pay costs each and every time, you can refinance anytime the rates drop .25% or .375%.  You wouldn't do that if you had to pay $1,842 each time.  That is why as a Professional Mortgage Manager I pay all the costs for you when a money-saving, wealth-creating opportunity comes about.

You may be asking yourself, "What's the catch?"  There is none.  With this limited time special offer you can become part of this exclusive group for no cost. 

Why would I do this?  I know you will find the benefits you receive to be truly valuable.  In time you will need to take advantage of mortgage services.  I want to be the professional mortgage manager you shoose to help you when that time comes. 

In addition, when you have a friend, neighbor, co-worker or family member ask who they should call to get a mortgage I want you to refer them to me so they can be assured to get high quality service and expert advice leading to a one-of-a-kind mortgage experience.

There are too many consumers that are getting taken advantage of because they are not working with a true mortgage professional.  You can make it your mission to make sure everyone you know and care about has the opportunity to have the best mortgage experience possible with a true mortgage professional.

Why is it Limited to Only 17 Homeowners?

Managing a mortgage the right way takes time.  Over the years the system I have in place to manage my clients mortgages has become more and more automated. 

Since my automation has improved I am now able to bring aboard an additional 17 homeowners to be part of my newest group.  This group is going to be special and will receive some surprise benefits I have never provided before.

What I am doing differently this year is I am taking my message to the community via advertising for the first time ever.  I have always restricted my new clients to be from referrals only.  This is a test to see if the community is ready for this valuable service.

That is where you come in.  You can be one of only 17 homeowners that will receive my services without being referred to me by a current client.  It is going to be very exciting.  You will understand after you have your initial appointment with me and experience what a Professional Mortgage Manager does.

How Can I Become Part of This Exclusive Group of Homeowners?

You will need to send in a request to become part of the group.  Applying is based upon a first come first served basis.  The sooner you respond the more likely you will be one of the first 17 homeowners accepted.

If you are not one of the first 17 homeowners to respond you will be put on the "Prioity Notification" list.  If someone should happen to not qualify, drops out or I can expand the amount of homeowners who I can effectively manage their mortgages, you will get advanced notice to reserve a spot.

There are several ways you can respond to try and qualify to be part of this exclusive group of 17 homeowners.  They are listed in terms of my preference for you to respond:

#1 - Fill in the information at the end of this page.  Your information is then date & time stamped and forwarded to an email address monitored by my assistant.

#2 - Send an email to kevin@kevinkowalke.com with your name, address and best contact number.  You will need to type "Mortgage Manager" in the subject line of the email.  Your email will be date & time stamped.

#3 - Fax in your request to 1-800-754-1497 attention Tiffany.  Your fax should include your name, address, best contact number and email address.  Your fax will be date & time stamped.

Kevin Kowalke

Your Professional Mortgage Manager

(Here's a picture of me doing "The Mortgage Minute With Kevin Kowalke" at Wisconsin's largest radio station 620 WTMJ)