California Fixed Rate Mortgages - Your Current Loan Sucks! But we can help, cause we're that good!

Your Loan Sucks!

Yeah, That’s Right…I Said It…
And The “Professional” Who Put You In It Sucks Too!

It isn’t your fault. They weren’t looking out for your best interest…they were looking out for their own bank account, and now YOU are paying the price!

If you are reading this right now, you are probably exactly like 95% of the other California homeowners I talk to on a daily basis. Your loan is going to adjust…or worse, it already is (if that is the case…your loan REALLY sucks), and you don’t know what to do.

Why does your loan suck?

The obvious reason – it’s adjustable! How can you budget your money when you don’t know what your next payment is going to be? Do you know if you can afford it after the next increase? You could lose your home if you don’t deal with this situation properly.
The guy/gal that put you in it sucks too…your loan stinks of filth! They didn’t plan with you, they ignored the best options for what you needed, and put you in the program that yielded the greatest benefit to them. You are missing out on some easy to implement strategies that can literally jump-start you towards achieving your financial goals.
You are paying too much! Your rate is too high! Rates are FANTASTIC right now, better than they have been in a long time. Take advantage of this friendly rate environment, and secure your families financial future.

I know it is scary!

But it doesn’t have to be…

My name is Brian Daly. I am the president and founder of Heroic Financial Services located in La Mesa, California (just outside of San Diego). Due to the staggering number of homeowners facing mortgage interest rate adjustments in 2008, I have developed a special program designed to help people just like you escape the vicious clutches of their current adjustable loan, and experience the immensely freeing feeling of locking into a fixed rate mortgage at a historically low interest rate.

August Special! –The first 7 qualified applicants to join our program will receive a FREE appraisal! A $400 Value! Find out more below.

**UPDATE** Only 4 spots left to receive a Free Appraisal!

Sleep soundly at night knowing your financial situation is secure!

Over the last 8 months, my team and I have tested, tweaked, and tested again this great program designed to quickly and easily relieve homeowners from the viscous trap of their adjustable rate mortgage, lower their monthly mortgage payments, consolidate other dangerous debt instruments, and instantly improve their credit. I call it the “Platinum Program.” As of 08/29/2008, we have helped more than 61 families escape the dangers of their crappy loan…it has been such a GREAT success, that I have decided to make this offer available to the qualified general public.

Ana and her family had lived in the same beautiful Santa Barbara coastal home for over 25 years...but her parent's ran into some financial problems that threatened to take this away from them. Ana, who was helping her parents in the effort to save their long-time family residence, got my information from the internet. We worked together for a while, and became good friends over the process. In the end, we were able to save their home from foreclosure, and got an additional $35,000 cash out to take care of other debts and increase their cash reserves as a safety measure. Click the audio below to hear what Ana had to say about the transaction...

Ana on the left, with her three daughters

Ana Cubilla Khamo - Santa Barbara, California

Qualified general public? What does it take to qualify for the Platinum Program?

There are three things I require from you to be a part of this program:

1. You have to have an adjustable rate mortgage. Obvious right? I mean the whole point of this program is to give some relief to those that have fallen victim to the shoddy lending practices of the past.

2. You have to be motivated, and willing to move quickly. Time is of the essence so we like to move quickly, as should you…

3. You have to be open to new ideas and willing to answer our questions thoroughly and with some thought behind them. Some of the questions we ask are a little different then what you may be used to. This isn’t because we are nosy…it is because we have found that the answers to these questions reveal the information we need to serve you properly and actually place you into PROPER financing. The ideas we present may be different from what you are used to from a mortgage company…and we pride ourselves on that…that is what makes our services so unique and beneficial to our clients.

I don’t want someone else in need to miss out on this offer because you are eating up all of our time and resources. When you join this program, you become an integral part of my team, and just like my other team members, I expect cooperation and a friendly attitude. Life is too short – let’s get this done quickly…and have fun doing it!

There are millions of homeowners who are in the same situation as you are, and who need this program just like you…I do not want them to miss out on this offer because someone else eats up all of our time and resources.

If this sounds like something you can handle, then you have nothing to worry about! Fill out this easy application to get started now:

You can also call me at 619.888.4376 if it is more convenient! Let's get started and FIX that loan!

But what if I have bad credit?

No problem! We currently have access to over one hundred reputable sources of money with great interest rates, including government sponsored loans with very flexible qualification guidelines.

"Brian helped me out of a very rough time in my life, and put together a plan which saved my home of 30 years from foreclosure. I had injured myself and therefore I couldn't work...on top of that a family member had stolen the money I had saved which I needed to make my payments on time. I fell behind on my mortgage and the lender started the foreclosure process. Needless to say this started a BARRAGE of calls from lenders, loan officers and investors...all of whom just seemed to want to make a quick dollar at my expense. Brian was the exception. I had called him on my friend's advice and he did not let me down. I already had a loan in place with another company, but Brian was still there every time I needed him to give advice and answer questions, even though I wasn't doing the loan through him! The loan with the other company fell out, so of course, I immediately ran to Brian's aid. He structured a plan which no one else thought of, and 18 days later we had the money to bring my loan current, and he got me $28,454 cash in my hand to help weather any more rough times. Brian is still helping me get my finances back on track, even after my loan closed! He truly cares about people! I recommend Brian to ANYONE seeking an honest and knowledgeable professional. He was my knight in shining armor. Thank you Brian!!!"

Connie M. - Fresno, California

Still, some people have credit issues that make it impossible to qualify at their present situation. But that is the beauty of the program we put together for you! Many of the initial families we helped were in this exact same situation…so I built a free credit consultation into part of this program! We will walk you through, step by step, on simple adjustments you can make to your debt structure to increase your score immediately! Find out more below.

If this is not enough, and your credit warrants extensive attention and restructuring beyond what you and I can handle, I have organized an extensive credit repair system in which my credit experts will handle everything for you, and within 30 days bring you within guidelines to qualify!

What if I have a pre-payment penalty on my current loan?

Most people in your situation do! One of the most common, and fatal mistakes people in your situation make is they wait until their pre payment period expires before they set up a refinance. Other lenders will even turn you away and tell you to come back when this period ends…

Well, that is not how I work. If you have a prepayment penalty you need to prepare to get out of that loan as soon as that thing expires.

If you still have a pre payment penalty when you join our program, we won’t turn you away…we will go through the entire process of getting you approved and set to close with one of our lenders.

That way, you can sleep soundly knowing that as soon as that day comes, your loan will be ready to fund, saving you from additional headaches and unnecessary payment increases.

What makes this program different from what the other lenders are offering?

First things first, the main difference between this program and what other lenders are offering is that we have tailored our process and benefits to handle exactly your situation. The other guys are doing the same thing they have always done, the same thing that got you into this mess. They aren’t asking the right questions, and they are only looking out for their bottom line. They will quote you a low rate, and then halfway through the process change everything on you when it is too late for you to go back.

Quick Sidebar – You can feel safe that I ALWAYS follow through with what I promise - Check out my "No B.S., No Weasel Clause Closing Cost Guarantee" - I will give you $500 dollars (or donate $500 in your name to the charity of your choice), if the final closing costs for your loan are more than $300 above the closing costs listed on the Good Faith Estimate I provide you. Call me at 619.888.HERO (4376) to find out more!

When you work with my team and me, you will know that you are being taken care of in the best possible way. We ask questions that matter…the questions that give us the information we need to draft up the plan that will make a difference in your life.

I am one of the originals of a select few to seek training, and earn certification as a Mortgage Planner. Mortgage planning utilizes advanced financial and tax planning strategies in combination with your mortgage to advance your net worth, create wealth, and achieve your future financial goals faster than you thought possible (with little effort). It is the future of the mortgage business...you can find more information at http://www.cmpsinstitute.org/.

J.D. Power and Associates 2005 Home Mortgage Survey: Those who said they used a broker tended to be substantially more satisfied with the broker personnel they spoke with than those customers who interfaced directly with the lender's personnel. "Brokers appear to perform significantly better in meeting customer expectations. Brokers are perhaps more dependent on customer referrals than the direct lenders. As a result, brokers may be more in tune with the cause and effect of customer satisfaction and advocacy," said Jeremy Bowler, director of the finance and insurance practice at J.D. Power and Associates."

J.D. Power and Associates

"I had to write to you to let you know how impressed I was with the manner in which you handled the Moreno transaction. I work with a variety of lenders in my position and my experience working with you and your office was definitely an efficient and friendly one. In my experience, when lenders and escrow from different parts of the state work together to close a transaction there tends to be some problems due to the differences in local procedures. It was wonderful to find that while the differences did exist, they did not lead to any delays or issues. This is surely due to the professional manner in which you conduct your business. It would be my honor to work with you and your team in the future.

Tiffany Schouten - Escrow Officer for Chicago Title - Dixon, CA

“Brian and his team were GREAT! They made the process easy, and closed our loan fast! We couldn't believe how smooth the transaction went. He helped us get out of our adjustable rate loan before our first payment increase, and at the same time, he lowered our monthly payment and per his advice, we consolidated our credit card and car debt into our new loan. Not only is our mortgage payment lower, our entire household debt load dropped dramatically AND our tax obligations is going to drop. Our only regret is that we didn't find Brian and Heroic Financial sooner! Thank you Brian. ”

Scott and Christina D. - Benicia, California

Second, you can be sure that you will be dealing directly with me and my team of experts, and no one else. You will not be forwarded to, or contacted by a nameless, faceless call center. The other guys will just sell your information to the highest bidder, whom I can guarantee will not have the slightest idea how to take care of you and your needs properly. If you don’t believe me, then go ahead and fill out some other lenders online form. You will have no idea who will be "helping" you, until you get a call from a clueless, shifty telemarketer. Go ahead and try it out...I know you will be back.

Your information will stay with me at all times and under every circumstance. I wouldn’t even give them your information if they put a gun to my head!

August Special! –The first 7 qualified applicants to join our program will receive a FREE appraisal! A $400 Value! Find out more below.

**UPDATE** Only 4 spots left to receive a Free Appraisal!

What about the Government’s Mortgage Bailout Program?

All I can say to you if you want to pursue this program is “Good Luck!” Out of the MILLIONS of homeowners facing a rate adjustment, only 140,000 will qualify for the government assistance. You may miss your chance to deal with the problem yourself if you sit around and wait for someone else to help you…

What does this program entail?

As a member of our Platinum Program, you will get all of these services to ensure your goals are met:

Free 30-45 minute strategic mortgage planning consultation ($175 value)
Free credit counseling and restoration ($350 value)
Discounted extensive credit repair services if necessary (save thousands of dollars)
Signed, No B.S, No Weasel Clause, $500 Closing Cost Guarantee!
Free cash flow review and analysis ($99 value)
Free tax review and analysis ($99 value)
Annual mortgage and financial checkups (with quarterly review)
Access to myself my team of advisors for life (priceless)

We will work with you to create a plan, a strategy to get you out of your current crappy loan, and into a GREAT loan (fixed, at a good rate, without a prepayment penalty), and put you on the path to financial success.

I know what it feels like to be in your shoes…even so, there is only one of me and a short supply of hours in the day. Availability for this program is limited to 14 consultations a month, booked first come/first serve. I would love to help change your life, but the responsibility to TAKE ACTION rests in your hand

August Special!

Free Appraisal to the first 7 (4 spots left) qualified applicants! A $400 Dollar Value! I value your business, and I love to work with motivated people, so this is how I reward those that show me they are serious and ready to make a change for the better!

OK, So…What Should I do next?

The easiest and best way to apply for this program is by filling out this easy and quick application form below. This is the information I need to do my preliminary research, and get back to you for your free, no obligation mortgage planning questionnaire interview.

If it is more convenient, you can also call me at 619.888.4376 and we can start the process immediately. Over the phone we will quickly run through a series of questions, and set up a time for your free mortgage strategy planning consultation!

My team and I are looking forward to helping you!

To Your Financial Security,

Brian Daly
Heroic Financial Services
President and Founder
8679 La Mesa Blvd.
La Mesa, CA 91941
619.888.4376
brian@heroicfinancial.com

P.S. Don't put this off and miss out on the chance to receive a FREE appraisal of your home! That is a $400 dollar value! Fill out the form above and let's get you into and let's get you out of your CRAPPY loan and into an intelligent mortgage plan with a great interest rate!

P.P.S. REMEMBER - You can feel safe that I follow through with what I promise - Check out my No B.S., No Weasel Clause Closing Cost Guarantee - I will give you $500 dollars (or donate $500 in your name to the charity of your choice), if the final closing costs for your loan are more than $300 above the closing costs listed on the Good Faith Estimate I provide you. Call me at 619.888.HERO (4376) to find out more!

P.P.P.P.S. Click the banner below to find out why you need to work with a Mortgage Planner Certified by the CMPS Institute...You will see that I have been educated, trained, and tested in advanced financial and tax planning strategies and practical applications of those strategies in conjunction with your mortgage...in addition to being held to a STRICT code of ethics and responsible lending practices. This ensures that I am always working for YOUR best interest!!!