Click here for a FREE gift that finally lets the cat out of the bag!

“Frank goes the extra mile to help the customer.  He found what we needed to make our financial situation a whole lot better.  Consolidating our credit card debt helped us be able to pay off other bills and we are able to save more.  Thanks Frank!”

Betty M.

Blackshear, Georgia

Homeowner Gets a “Lucky Break” and Saves $4,114.50 in His First Year; Find out how Don did it and how you can too…

In just the past 12 months, we’ve helped hundreds of homeowners (like you) lower their mortgage payments; get out of their Adjustable Rate Mortgages; pay their homes off sooner; or get cash  for much needed expenses such as their kid’s wedding, college tuition, home repairs and improvements, and much, much more. Whether you’re satisfied with your current mortgage or you’d like to save the most money possible, take time now to read this important letter or just click here as I expose the secrets to getting out of debt forever.

Don and Judy from Atlanta, GA were out of bankruptcy less than one year but we still locked them into a low 6.125% fixed interest rate and
lowered their monthly payment by $247.50

I’ve always felt that Don and Judy got a raw deal when they were cornered into filing for bankruptcy.

Don had worked at the same job for close to 30 years, paid his bills, and had perfect credit. Then in 2003, he and Judy had a real string of bad luck (haven’t we all from time to time?). They didn’t want to do it but they had to file for Chapter 13 bankruptcy protection. It’s a real shame when bad things happen to good people. But they rolled up their sleeves and started making the monthly $700 Chapter 13 bankruptcy payments, while still having to pay their monthly mortgage payments, their utilities and other living expenses.

Finally, in December of 2005 they paid off their bankruptcy obligations through a cash-out refinance of their home. Now the $700 monthly bankruptcy payment was gone but they were left with a $1,392.00 mortgage payment at a whopping 9.95% interest rate on an adjustable note! Don called me when he got one of my letters in the mail on June 1, 2006. He was skeptical at first but I told him I how much I admired him for hanging in there despite the tough circumstances. That’s when he realized I honestly want to help and he began to have confidence in what I could do for him.

Within 3 hours I had him pre-approved at a 6.125% fixed interest rate! But the real value was in how much money I saved him – we cut his monthly payment from $1,392 to $1,144.50, saving him $247.50 per month. (In just the next three years alone, he and Judy will save $8,910.)

Now I don’t know about you, but if somebody offered me $247.50 per month for the next 30 years, I’d take it! And that’s exactly what they did. For Don and Judy it was a blessing. Their life is so much better now and they’re so thankful that I encouraged them to refinance, they actually sent me a nice thank you note.

Click here before you pay that stack of bills!

“If I could see Frank I’d give him a great big hug because he is good and the other loan officers that we’ve dealt with have been a stick-in-the-mud and just barely-well say “thank you” and shake your hand and everything.  All they’re looking for is, I guess, how much money they can get.  I don’t know, but Frank is totally different.”

Paula F.

Flowery Branch, Georgia

IGNORE THIS INFORMATION UNLESS YOU WANT TO SAVE MONEY! NOBODY'S EVER TOLD YOU WHAT YOU NEED TO KNOW ABOUT MONEY! It's not your fault that you've had credit problems! They've kept you in the dark on purpose! No one else understands how and why you've been forced to buy everything on credit! But I do!

If you’ve had credit concerns in the past and think you’re paying too much for your debts – maybe you’ve gotten a raw deal too.

Call me now at 404-453-8420 

Or

Read Ricky and Pat’s story, if you still aren't sure click here to get your hands on information your bank doesn't want you to know.

Ricky and Pat from Valdosta, GA saved $101,878.80 in mortgage interest by dumping their High Interest mortgage.

At one time, Ricky and Pat dreamed of paying their home off when they reached retirement. But after they took out a 30 year Adjustable Rate Mortgage with a high interest mortgage company on January 13, 2006, that dream seemed impossible.

Now I don’t know if you’ve ever thought about retirement but they had hoped to retire in 20 years. And with a 30 year mortgage – at an Adjustable Rate – they knew they couldn’t do it. No way! Then Ricky and Pat received one of my letters by mail and gave me a call. Pat told me, “I know there’s nothing you can do for us but since it doesn’t hurt to try, lets’ look at what you’ve got.”

Together, we went through a series of questions I ask all of my customers to determine their real needs. And that’s when she told me that she and Ricky would really like to pay their home off in 20 years or less so that they could retire without having to worry about a mortgage payment. In less than 2 hours, I had them pre-approved for a mortgage that knocked 10 years off their term and saved them $101,878.80 in interest! Plus I put them into a fixed rate so they’ll never worry about their payment jumping up, up, up. Pat called me on July 12th and we closed her new refinance on July 27th!

In a nutshell, here’s what we were able to do for them. This is what I like to call the “BEFORE” and “AFTER” pictures –

              “BEFORE”                                                                              “AFTER”

 Old Mortgage Payment: $795.63              New Mortgage Payment: $768.95
             x Number of Months: x 360                                 x Number of Months: 360 

 Total of Payments: $286,426.80                  Total of Payments: $184,548.00

I never was great in math but, that’s a savings of $101,878.80!!

And Ricky and Pat are locked into a low, fixed rate!!
And they’ll own their home 10 years sooner – when they’re ready to retire and take it easy!

“I guess we just struck up a friendship as well and Frank explained the process and processed the loan with absolutely no problems whatsoever.  He kept us up-to-date on every phase of it, and just absolutely no problems whatsoever and a good experience all the way around. The entire process --- with just working with Frank and with the closing attorneys, everything went without a hitch.  No problems.  Everybody knew what was supposed to happen and, like I say, Frank kept us up to speed on everything before it happened so there were no surprises or anything.  Just a pleasant experience all the way through.”

Michael D.

Canton, Georgia

If you would like to pay your home off sooner and save thousands of dollars in interest, call me today at 404-453-8420. Or if you’d like to see more success stories before you call, read about Wendy from Warner Robins.

Wendy from Warner Robins, GA refinanced with me and saved $108.45 per month (and she got $1,624.22 cash)

Wendy didn’t have a huge mortgage like some people so she didn’t think I could help. She guessed her home was valued around $90,000 and she only owed $65,500. But after she spent a few minutes on the phone getting to know me, she knew I could save her some money too. She was in an adjustable rate mortgage (and wanted to keep it that way) but she did want to lower her payment and get some cash out. Wendy was divorced, living on her own, and with more than 14 years on the job, any savings could be put to good use.

After we went through the quick application process, I was able to get her pre-approved within 1 hour for a loan that dropped her interest rate from 11.9% down to 8.63%. This lowered her payment from $668.71 to $560.26 and she received $1,624.22 cash just 4 days after closing. She went through the application on July 13, 2006 and her loan was closed August 3rd.

Disclaimer! I know what you’re thinking....this is a lot to read. Some people need encouragement to do something even if it's the best move they can make. I want to provide enough proof so you can do the right thing. (SOME OF MY BEST CLIENTS TELL ME TO SHUT UP) If you don't want to waste time go ahead and call 1-800-382-6291 at least claim the free gift and be done with me. However, if you think maybe your paying too much on bills or could get out of debt quicker, or you could use a couple thousand extra dollars next month take a deep breath and press on.

I guarantee it (be sure to see our guarantees in writing below)!

If you ask me what sets us apart from all the other mortgage companies out there, I’d have to say that’s it – we listen to what’s going on in the lives of our customers and what you plans are for your family. Then we find a way to make it happen by giving cash from your equity; consolidating debt; shortening the term of the mortgage; or saving money on taxes. Once you choose the option that’s best for you, I work fast to get you approved. I’ve done it for Don, Judy, Ricky, Pat, Wendy, and if you call me I’ll do the same for you. We’ll get to know each other and work together to find the program that’s right for you and your family.

“I had gone through a messy divorce and ended up in a high interest rate Adjustable Rate mortgage.  I called Frank and he worked out a new Fixed Rate loan for me that cut my interest rate and he paid off a $7,000 credit card, paid my property taxes, and gave me $7,000 in cash.  He understood my problems and really helped me.”

Marie M.

Macon, Georgia

If you’ve read enough, pick up the phone and call me at 404-453-8420.

If you’re still not convinced, maybe Vinnie’s story will help.

What would you do if you had more than $65,000 in credit card debt and 29 ¼ years left on your mortgage?

Well, if you’re Vinnie and Ramona from Marietta, GA, you work hard at your job, pay your bills on time and pray for a miracle. Honestly, when I first spoke with Vinnie, he didn’t see any way out from the more than $65,000 in credit card debt he’d accumulated.

Vinnie and I spent about 45 minutes on the phone reviewing his credit report and examining the high interest rates he’s paying. He was hesitant to do anything right now because he thought it was too soon. He had just refinanced with a well-known, “less-than-perfect-credit” mortgage company back in November 2005 and thought it was foolish to refinance again so quick and pay more closing costs. That may be the same thing you’re thinking – that it’s too soon and you don’t want to add more closing costs to the loan. But before you make a decision, let’s look at what I did for Vinnie and his wife…

First, we maxed out the loan amount in order to pay off as much credit card debt as possible.

By rolling credit card debt into your mortgage, you’re creating a tax break because your mortgage interest is tax-deductible but your credit card interest is not. This one move lowered Vinnie’s monthly debt payments by a whopping $637 per month!

And of course, by refinancing again, he got a one month payment break that saved him $2,582 right away. Vinnie could take the $637 monthly savings and add it to the payment break and pay off another credit card in less than two months. That credit card had a monthly payment of $228 so then he’s saving $865 per month compared to where he was just a few short months ago. As he frees up more cash each and every month, he can apply the extra money to another credit card and so on and so on. At this pace, in another 15 months he will have paid off $24,982 in high-interest, non tax-deductible, credit card debt! From there he can start paying more towards his mortgage and he’ll pay his home off in less than 9 years!

What if you gave yourself an $865 a month raise and didn't have to work one second more. Not a bad deal! 

As you can see, a mortgage is more than just interest rate and closing costs. A mortgage can be used to help you get where you want to be financially. It can help you do things for you and your family that you’ve only dreamed of. And if you’re in a tight spot, it can help you get a fresh start.

“Frank is extremely knowledgeable and very pleasant to talk to over the phone.  He was very, very informative; was giving me different ideas of which way to go, or how to handle what, or whatever.  Some things I’ve known because I’ve refinanced before but he just pointed out the changes since last time I have and all.  He was extremely helpful and, as I’ve said before over and over again probably, he’s very pleasant to talk to and all.”

Joanne H.

Senoia, Georgia

If you have any credit card debt, call me at 404-453-8420. Together the two of us will review your credit report to identify all the ways we can help.

Shirley from Riverdale, GA wanted to start a small business so we gave her $4,433.24, lowered her mortgage payment by $106.61, and gave her a one month payment break

Shirley wanted to start her own business. I can’t tell you what kind of business because she never would tell me. From her first phone call to her last, she always kept her business plan a secret but she did tell me it was a personal goal she’d had for the last three years.

She had just refinanced with a high interest rate/high closing costs/”less-than-perfect- credit” mortgage company in February 2006 and consolidated some credit card debt. When we first spoke, she thought it was too soon to refinance again but we went ahead with the application anyway. When we checked her credit report, she was pleasantly surprised. And that’s when I explained that her previous debt consolidation helped her credit score jump up. And now that she had a higher score, I could refinance her into a lower payment and give her cash out for her business start-up.

From start to finish, her loan was closed in less than 3 weeks with a minimal amount of paperwork. Her payment dropped from $1,008.50 per month to $901.89, her rate was slashed from 10.55% to 8.5% and she received $4,433.24 cash.

You may not want any cash to start a business (or maybe you do!) but here are some of the other things my best customers have used their cash-out for:

• Home Improvements such as a new pool or kitchen

• Pay off high interest credit card or auto loan debt

• Invest in real estate or stocks

• Save for early retirement

• Set up emergency fund

• Send a child to college

• Pay for a daughters wedding

• Take a dream vacation

And if I gave it more thought and looked through all of my old files, I could probably name at least a dozen other things.

If you would like to see if I can lower your monthly payments and give you cash, call me. I’ll work up a few options for you and, in most cases; I can have an answer to you the same day. If you decide to move forward, it’s a quick, painless process. I work on your file personally along with one of our loan processors to make sure that you get everything you want. Most of our refinances are closed within 1 – 3 weeks from the time that you call me today.

“Frank was very helpful and efficient.  Everything could be done from home; even the closing was done in our home.  Our mortgage was reduced by a substantial amount which has allowed us to pay off other bills much quicker.”

Yvonne M.

Lexington, Georgia

Mike and Linda from Augusta, GA saved $215.86 per month!

By now, I hope you can see how much I care about my customers. Mike and Linda received one of my letters, like this one, and called me right away (as I’m hoping you’ll do). We spent about an hour on the phone and Mike told me what he wanted to accomplish. We reviewed the loan application and credit report and in less than an hour, I had two options for Mike and Linda to consider. They went with the adjustable rate option that gave them the lowest payment.

By the time it was all signed, their mortgage payment dropped from $1,070.84 per month to only $854.98. (And they received $508.39 cash out.)

What would you do with an extra $197.76 per month?

That’s a question Cleve and Monica from Athens, GA had to answer. After refinancing their mortgage I was able to save them $197.76 per month and give them $664.36 cash out. They had only been in their mortgage since February of 2006 but that didn’t stop us from finding a program that saved them money. You see, most companies only have one lender to choose from. But here at American Standard Home Loans, we have solid relationships with more than 100 lenders. Those relationships allow me to negotiate with each lender so that I can find the best program for you.

If you’ve read this far, obviously you’re interested pick up the phone and call now? I hope I’ve been able to convince you that I sincerely care about my customers.  I would really like to help you improve your life and if you’ll give me just 20 minutes of your time, I can find out more about you and your goals.

SPECIAL ALERT!!!

The first 50 people to respond receive valuable bonus information and consulting worth thousands. We will give you access to an arsenal of Financial Management Tools that could save and earn you more money than ever! Check out this list of amazing cost slashing wealth building tips, techniques, and tactics just for requesting information.

1) Debt elimination consultation

 Whether we do a loan for you or not we have saved people thousands. (People pay up to $150/hr for this information)

2) Subscription to my money saving newsletter

Our newsletter is both fun and informative. This publication gives homeowners great ideas on improving their health, finances, homes, and lives. ($19.95/yr)

3) Special alert email alerts

Once in a while we send out special bulletins and things you need to know. We hate spam too so we use this service sparingly rest assured you only get the most important messages or things that can affect you immediately. ($9.95/yr)

4) Yearly financial check-up

This awesome tool let’s us keep in touch with our clients as well as ensuring that they are staying on track with their financial goals. We measure how effectively you are leveraging your assets to build wealth. We can also identify new opportunities on a regular basis by not letting too much time go by. (People pay up to $150/hr for this type of information)

5) On-Demand Loan proposals

Since most of our clients use us for all their property financing needs we are always happy to provide proposals and advice on second homes, investment properties, equity lines ect. (Normally $80 per application)

6) Identity Safe Credit Monitoring

We will provide and review your credit reports once a year from all 3 of the major bureaus to make sure your identity stays safe and secure.

(Normally $50 per request)

7) Free review of mortgage for friends and family

Once people notice the upswing in our clients’ lifestyle they are usually asked to share their secret weapon. (Normally $80 per application)

8) VIP Access to our customer Hotline

People love having a trusted advisor on their side. We want to be a constant source of quality information to you and your family. Please feel free to contact us with any question regarding you finances and we will do our best to help. (Priceless!!!)

Click here to prevent your credit card company from getting even richer off you!

Warning!!!

Don't say I didn't warn ya. I can't help everybody. I just work my @*&%$ off trying.

I wish there was a magic pill that could improve everyone's financial crisis. Guess what it doesn't exist!

I wish that I could save everyone money but sometimes I can’t. I may not be able to do anything for you but I promise you this – you’ll never know until you try. You’ll never know until you pick up the phone now and call me at 404-453-8420 and it's not going to cost you one red cent, Nada, zip, zilch to find out. If you get my voicemail, just leave a message and I’ll call you back as quick as I can. And if you’re in some financial trouble right now, don’t be embarrassed. No matter what kind of situation you’re in, you owe it to yourself and your loved ones to see what else is available to you. And once you have all the information you need, I know you’ll make the right decision.

Here’s what to do next...its SIMPLE!
Call me at 404-453-8420.

Don't forget only the first 50 people receive the free bonuses.

All the Best,
Frank Emanuel
"The Mortgage Loan Pro"

P.S. If your finances are in trouble, you need to do something fast. Don't fall into the trance of “everything is going to be fine.” If you don't believe that this powerful information that I will provide is your answer, then look up your last mortgage person and at least get some help from them. It may take a lot longer than using my new special report and consultation... but you'll feel better doing something.

P.P.S. Remember, you pay nothing. If the report isn't everything I said you’re not out one red cent. I know the mortgage business inside and out but I don’t know your personal hopes and goals. Money isn’t everything in life. However, envision how your life would change if you had the additional cash flow and payment savings from a Mortgage Pro Loan.

P.P.P.S. Have you ever conquered a critical problem in any area of your life? How wonderful did that feel? Do you remember? Makes you feel almost superhuman. That's what a turnaround feels like. You don't have time to "think about it" if you're hurting right now. If you do, your choices will start evaporating. I know from experience.

In a very short time, you’ll enjoy significant amount of cash you can use for yourself, your loved ones, the improvement of your home, or simply for an investment in your financial independence.

Many of my customers changed their lives when they stopped and called me. And since you never know what the future may bring, you may not get this opportunity again, so please give me a call. You really have nothing to lose. Take action today.

This could be your last chance to get out of the debt rat race forever!

But, just to be sure you know I'm serious read my GAURENTEE and if we don't deliver on every one of these promises I'll buy you and your spouse a STEAK DINNER!

1.       I GAURENTEE I will LISTEN to you intently and identify goals you are trying to accomplish.

2.       I GAURENTEE I supply you NO COST OR OBLIGATION life changing proposals.

3.       I GAURENTEE I WORK TOGETHER with you to complete an application absolutely free of charge.

4.       I GAURENTEE I review credit with you and expose secrets on how to BOOST FICO SCORES.

5.       I GAURENTEE I provide you with MY EXCLUSIVE HOW TO ESCAPE DEBT FOREVER PLAN.

6.       I GAURENTEE I give you FINANCIAL STRATAGIES tactics usually reserved for the rich.

7.       I GAURENTEE I use insider tools to leverage your assets correctly to BUILD WEALTH.

8.       I GAURENTEE I offer EVERY TYPE OF LOAN solution available to match your needs.

9.       I GAURENTEE I ensure you get THE BEST DEAL by shopping my extensive network of lenders.

10.     I GAURENTEE I provide you several options and EXPLAIN the details of each.

11.     I GAURENTEE I meet or beat any verifiable qualifying offer from another lender

12.     I GAURENTEE I instruct you HOW TO TAKE ADVANTAGE OF EVERY BENEFIT of a new loan.

13.     I GAURENTEE the HIGHEST VALUE for you’re property by using the best appraisers in the area.

14.     I GAURENTEE I stay in CONSTANT CONTACT to keep you informed.

15.     I GAURENTEE I help you gather and supply relevant documentation so THE PROCESS IS EASY.

16.     I GAURENTEE I EDUCATE you about future payment increases if applicable.

17.     I GAURENTEE I EXPLAIN THE FINANCING PROCESS to you every step of the way.

18.     I GAURENTEE I give you a COMPLIMENTARY subscription to my monthly newsletter.

19.     I GAURENTEE I will provide you FREE annual financial check-up forever.

20.     I GAURENTEE I will send the closing team to you at a time that is CONVIENIENT.

CALL NOW 404-453-8420