HOW THE PROGRAM WORKS
          
               Instead of sending a mortgage payment to the
          lender once a month, a homeowner enrolled on the equity
          acceleration program pays one half of the monthly
          payment every 2 weeks.
               A $1,000 monthly payment is split in half.  The
          homeowner pays the $500 halved payment every 2 weeks
          (biweekly).  On the biweekly program, an extra 2
          biweekly payments accrue each year.
               Every 6 months, that $500 is applied to the most
          recent principal balance due...accelerating the loan
          payoff and tripling equity growth. On the accelerated
          program, 30 year loans can pay off in less than 20
          years.
          
          
          Can't homeowners prepay?
          
               Homeowners are given almost no information on how
          to prepay their mortgage.  Lenders won't help, because
          by doing so, it increases their processing costs to
          service the loan.  But the real problem today facing
          anyone wanting to prepay their mortgage is the
          information recently released by the U.S. Government's
          General Accounting Office and the FDIC.
          
          Reports of bank errors
          
               They reported that adjustable rate mortgage (ARM)
          payments now contain errors costing Americans at least
          $8 billion dollars each year!  That figure may become
          $60 billion by 1996!  Now lenders and banks are coming
          under fire for making errors in crediting prepayments
          which can cost homeowners thousands!
               It's no wonder homeowners don't prepay. 94% of
          Americans don't understand amortized loans or
          compounded interest, let alone index and margin figures
          banks use to compute payment adjustments on ARM
          mortgages.
               Perhaps now you can understand why more than 9 out
          of 10 mortgages are never prepaid.  And why the equity
          acceleration program is selling so well in today's
          economy because homeowners know it is the best system.
          
          Audits included
          
               Homeowners will instantly see one feature in the
          equity acceleration program they want.  That feature is
          mortgage auditing.  Why is auditing so very important?
               Auditing ensures interest savings and prevents
          lender and bank overcharges.  People want to get ahead
          financially but realize that special skills are
          required for loan auditing.
               Accountants charge too much and they don't have
          the software.  By enrolling in the equity acceleration
          program, homeowners can prepay their loan and have the
          protection they need because it includes free auditing. 
          Just one mistake by a lender could easily cost more
          than the whole program.
          
          87% of Americans retire poor!
          
               U.S. Government statistics show that 87% of
          Americans retire in the poverty bracket with an income
          of less than $830 per month!
               People who can't seem to save enough for
          retirement are the same ones that unknowingly throw
          away tens of thousands of dollars in interest to their
          lender.  But as a mortgage reduction agent, you'll be
          able to provide an affordable solution to this serious
          problem.