TheMortgage Payoff

Acceleration Program

America’s Smartest Way To Turn Your

Largest Debt Into An Investment Dream!

Most Americans’ largest debt is

their home.

These Facts May Disturb You!

(If they don’t, they should!)

factoid:

The United States uses one of the world’s most backward methods to figure how homeowners repay their mortgage loans!

A $100,000Home Loan

What does it really cost you?

Principal+

INTEREST=

?????

How Are Mort gages Currentl y Paid in

the U.S.?factoid:

Amount Borrowed: $100,000.00Interest Rate: 8.5%Term of Loan: 30 yearsMonthly Payment: $768.92Total of Payments: $276,811.20

You pay back nearly three times what you borrowed!!!

factoid:

For the first 23 years of a 30 year mortgage, your payment

is mostly interest!

0%

25%

50%

75%

100%

1 5 10 15 20 25 30

Years

Pe

rce

nt

Eq

uit

y

Amount of payment as Interest

Amount of payment as Principal

0%

25%

50%

75%

100%

1 5 10 15 20 25 30

Years

Per

cent

Equ

ity

factoid:

It takes more than 23 years to reduce your $100,000 mortgage

by half!

23 years

Amount of payment as Interest

Amount of payment as Principal

0%

25%

50%

75%

100%

1 5 10 15 20 25 30

Years

Per

cent

Equ

ity

factoid:

The longer you pay, the more interest you pay!

Interest(bank’s profit)

The Equity Is Your Money!

In the traditional mortgage, making monthlypayments the equity grows very slowly!

Equity(your money)

Is there another way?

What can you do...

...to beat this interest debt?

Prepay on your mortgage!

It saves thousands!

For every 100 homeowners,10 will attempt to make principal prepayments.Only 1 out of 100does it right!(Even then, withoutspecific instructions,it might not beapplied correctly.)

To receive the maximum benefit, prepaying must be done

consistently!

Convert your monthly mortgage payment to Biweekly

HOW?The Mortgage Payoff Acceleration Program

It will help you:• Save tens of thousands of dollars!• Reduce the term of your loan 9-12 years!• Build equity three times faster!• Increase your net worth!• Get the benefits of a new mortgage• without requalifying!• Makes paying the mortgage easier!• Do it all without expensive refinancing!

The Nation’s Press

USA TodayLenders likely to push biweekly mortgages

The Wall Street JournalBiweekly Loans Helped By Fannie Mae

USA TodayBiweekly mortgage builds equity fast

The Washington PostBiweekly Loans Get Boost From Fannie Mae

Equit y Builds 3 Times Faster on Mpap’s

Biweekl y Plan

$0.00

$20,000.00

$40,000.00

$60,000.00

$80,000.00

$100,000.00

Pri

nci

pa

l P

ai

5 y ears 10 y ears 15 y ears 20 y ears

MPAP vs. conven tional 30-year loan

M PAP 30-Yr M ort g ag e

?Savin gs

How could YOU use the money you save?

The Mort gage Payoff Acceleration Pro gram

• No Refinancing!• No Qualifying!• No Appraisal!• No Closing Costs!• No Credit Reports!• No Change in Present Mortgage Contract!• No Change in Lender!• No Hassle!

Why Do You Think Banks Don’t Offer to

Help You Prepa y?1. It is unprofitable for them.

2. The tens of thousands of dollars you

save is money they don’t make.

3. Banks sell off most of the mortgages

on the secondary market. When that

happens, their hands are tied.

4. Do you think banks are looking out for your best interests? (Your interest payment maybe!)

It’s time to take matters into your own hands!

Here’s How MPAP Works!

Every two weeks, one-half of your monthly payment is

electronically transferred from the bank account of

your choice and deposited into – depending upon the

state in which your live -- a national trust account

administered by Citibank FSB (or assigns or

successors), OR into a newly created account at Cape

Coral (FL) National Bank. From that, once each month

your full mortgage payment (plus any extra funds

authorized by you) is forwarded to your lender on or

before the due date. Once each year all extra funds

held for you in that account are forwarded to your

lender as a principal reduction payment (usually an

amount equal to or greater than one full mortgage

payment). That yearly principal payment is the magic!

MPAP Flow Chart

Current bank account of your choice

National Trust Account or CCNB account – depending upon your state

every two weeks 1/2 payment is debited

Once each month, a check is automatically generated from the account to make your

mortgage payment. Once each year the extra payment accumulated is sent to your lender as a

principal reduction payment!

Simple and Safe! Your money never leaves your control!

BANK BANK

Conventional Vs. Biweekly Comparison(Including Additional Amounts Applied to Principal)

Conventional MonthlyPayments

BiweeklyPayments

BiweeklyPayments+ $25 extra

BiweeklyPayments+ $50 extra

AmountBorrowed

$100,000 $100,000 $100,000 $100,000

Interest Rate 8.5% 7.569% 6.683% 5.743%

Length of Term 30 yrs 22 yrs 19 yrs 17 yrs

Interest Paid $176,813 $126,163 $104,142 $89,312

Interest Saved $0 $50,650 $72,671 $87,500

Based on a $100,000 loan at 8.5% over 30 years

MPAP Biweekly Can Also Be Used for Autos, Boats,

Rvs and Other Loans

Banks Can Overchar ge You in a

Variet y of Ways. Interest Is Onl y One

of Them.

Lenders accused of escrow overcharges

Many Lender’s ARMsContain Miscalculations

Fleet Mortgage to refund excess escrow

The Nation’s Housin gStudy Suggests Errors in 75% of Equity Lines

Odds Are You Could Receive A Refund!

Ask your agent if you qualify for an annual audit

of your mortgage!

The Mort gage Payoff Acceleration Pro gram Will

Protect You!

Real Estate Taxes Seem High?

50 to 75 percent of all appeals are successful!Typical savings to a taxpayer are 12 to

15 percent (ranging from $150 to $1000)

Less than 5 percent of homeowners ever appeal their taxes. Why? They

don’t know how to find the errors! We will show you how!

Tampa couple’s taxes includenonexistent swimmin g pool

Honey, I Shrunk the Taxes!Are you paying more than your fairshare of property taxes? Here’s howto cut that bill by upwards of 20%

In 1985,Equit ycorp

Created This Industr y

We have opened the door to financial freedom for thousands of people

across the United States.

EquityCorp. has set the industry standards for all to follow and

continues to be the innovator in the mortgage reduction business.

FDICFederal Deposit Insurance Corporation

Since 1985, EquityCorp has used the Federal Reserve System’s Electronic Funds Transferring system to debit clients’ accounts.

All accounts involved in the MPAP biweekly process are FDIC insured up to the maximum allowable!

The Benefits of Enrollin g

NOW!• Save tens of thousands of dollars

• Reduce the term of your loan 9 to 12 years

• Build equity up to three times faster

• Increase your net worth

• Get the benefits of a new mortgage without

having to qualify

• Makes paying your mortgage easier and

automatic

Do you realize the leverage this gives you?