Hi, my name is Alan. I am a semi-retired programmer, living in the Chicago area. I have always been interested in personal finances. Over the years, I have heard the different advice to pay off you mortgage early, not to pay off your mortgage early etc. As with most strategies, they work if you follow their directions. Many of us know that if you make one extra mortgage payment a year towards your mortgage loan’s balance, you will knock 7 years off of a 30 year mortgage. But how many of us actually do it? See below for why I think we don't.

Programmer by trade...
I am a programmer by trade and have found a software product that can actually guide you into paying off your mortgage early, perhaps in 10 to 15 years, saving you hundreds of thousands of dollars. (And if you are one of those who already make extra payments, this program will turbo charge your mortgage reduction program!). The program works with all types of mortgages.

What could you do when your kids are older...
Imagine what you could do as your young kids are getting ready to graduate from high school if you didn’t have to worry about mortgage payments. You can now take those college trips. Or perhaps you don't have kids. That extra money from not making mortgage payments could finance some nice trips or beef up those retirement funds!

Math not magic...Not a Refinancing program...
Here is the best part. This software program is based on math and how banks calculate mortgage loan payments. There are no secrets, no magic - just math. It is simply one of those tools that helps you manage your finances, specifically your debt. Debt isn’t bad, unmanaged debt is bad. Not complicated, not time consuming. Again, going back to the extra payment strategy, nothing complicated if you do it. Did you know that if you gave your mortgage company $5,000 on day 1 of a 30 year, fixed 6% $200,000 loan; you would save over $28,000 in interest! No magic, just math and how the banks calculate their loan payments. So the 'Secret' is, if you periodically pay down your mortgage principle, you can significantly reduce the amount you pay and the time it takes to pay off your mortgage.

In our 30 year fixed, $200,000 6% Mortgage loan example, you will pay $230,000 in interest over the life of the mortgage. You can verify this by visiting www.BankRates.Com. By proactively managing your loan, you could potentially save thousands! Would this help your family enjoy vacations down the road in 10 years? Maybe take those trips to visit your kids in college? We can provide a FREE, confidential analysis demonstrating your potential savings.

These are just examples of how math works in mortgages. Results will vary and are determined by individual financial situations.

Anyone can do it...
This software program is a standalone product – it is not tied into any bank or loan service. Grandmothers can operate it. The software company does NOT make any loans. It does NOT access any of your accounts, it only provides guidance for you to manage your mortgage loan.

The general parameters for successful users are:

Home Ownership with some equity.

Good credit.

Desire to manage your finances.

Why we don't do these things...
So why don't we make these extra payments, add some additional Principal payment each month to our Mortgage Payments? Or follow a program such as this one? I think there are several reasons:

• We don't visualize ourselves in 20-25-30 years, when a mortgage is paid off.
  
• We don't think that we will still be in our current home that long and don't know that we would still get the benefits.
  
• We don't realize that the benefits can be ours within a few years such as when our kids are getting ready to finish school.
  
• We are optimistic that our situations will be a lot better in the future.

If this program works as I conceptually described it, without risk to you, wouldn't you want to know more about it? Call me at 630 913-2760 if interested in learning about a valuable tool that give you financial flexibility. Once we talk and if you are interested, we will run a free, confidential analysis.

It's a simple, valuable software program that can potentially save you thousands. It's not complicated. You will either want it or not but you will never know without checking it out. And if you do want it, the earlier you start the better the results. I think that in a few years, these programs will be the norm. However, waiting months, not even years will cost you a lot of money.

The information contained herein does not constitute an offer or a solicitation to lend or extend credit.

A special note - there is no pressure. If interested, I can perform a free analysis of your situation. Just e-mail me at Info@MyHousePaymentOptions.Com or call me at (630) 913-2760.