EARN A LARGE INCOME SAVING 
                    HOMEOWNERS FROM FINANCIAL DISASTER
          
          Your opportunity
          
               Today, homeowners in America face a serious
          situation.  And the sad part is, most aren't even aware
          of it.  During the past 20 years, owners of real estate
          watched as prices skyrocketed.
               No one worried about accelerating the payoff of a
          mortgage because equity was automatic.  People assumed
          that prices would continue to climb but today, a
          different set of rules apply.
               Real estate values have stopped increasing in most
          areas of the country.  Many real estate markets are
          seeing a substantial decline or moderation in values. 
          Fortunately, as you read this brief summary of the
          problem American homeowner's face today, you'll find
          that this story can have a happy (and profitable
          ending.
               When you become a mortgage reduction consultant,
          you'll be able to earn a large income.  You'll be
          explaining why a 30 year mortgage has the potential to
          ruin homeowners financially.  You'll also be able to
          offer an affordable, cost effect solution.  It's a nice
          feeling to make good money and help people at the same
          time.
          
          Times are changing
          
               Through the largest agent network of its type,
          U.S. Mortgage offers its Equity Acceleration Program. 
          As a regional manager you'll be explaining why paying
          for a home or business property with a 20 or 30 year
          mortgage could represent a serious financial mistake.
               In the 1940's and 50's, 30 year mortgages made
          sense because interest rates were in the 3% to 4%
          range.  Those low rates allowed homeowners to pay down
          the mortgage fat.  But in today's economy and changing
          real estate markets, homeowners are realizing that
          without the rapid appreciation of the 70's and 80's, 30
          year loans have some tedious drawbacks.
          
          It's like running in place
          
               Homeowners spend much of what they earn on
          mortgage payments.  But after 5 or 10 years, have very
          little to show for it.  For example, a homeowner with a
          new 30 year, 9.5%, $100,000 mortgage will pay about
          $840 per month for principal and interest.  Add an
          average of $160 in taxes and insurance and the payment
          increases to $1,000 per month.
               But after 8 years and $96,000 in monthly mortgage
          payments, guess how much of the original $100,000 was
          paid down?  $30,000?  How about $25,000?  Homeowners
          are shocked to learn that out of $96,000 in payments,
          the loan balance has only been reduced by $7,000!  What
          happened to the other $89,000?  Almost all of it was
          wasted on interest charges!
          
          And then comes the realtor!
          
               But that's not all.  Realtors charge an average of
          7% to sell homes.  7% of $100,000 is $7,000!  So it
          took $96,000 paid over 8 years of payments to gain
          $7,000 in principal reduction.  And now, the homeowner
          will lose that $7,000 just to pay a realtor to sell it!
          
          What happened?
          
               Over the past 20 years, inflation and a strong
          demand for housing by baby boomers of the 1940's and
          50's caused a surge in real estate prices.  During the
          same 20 years, homeowners have grown used to price
          increases and have planned their financial futures
          accordingly.
               There's only one problem.  The market that drove
          prices up over the past 20 years no longer exists!  In
          today's economy, inflation is lower, demand for homes
          is way down plus, we've run out of baby boomers.
               It's a plain fact that without a constant "uptick"
          in home values, the average homeowner is in real
          financial trouble.  Without appreciation of home
          values, Americans today have no way to get ahead.
               But not all the news is bad.  As a mortgage
          reduction agent, the problem facing homeowners today
          presents you with a real opportunity to make serious
          money.
          
          Why homeowner's buy mortgage reduction programs?
          
               There are 4 reasons why the equity acceleration
          program is in great demand in today's real estate
          market.  Just look at what you'll be offering:
          
               1) A $50,000 to $200,000 reduction in mortgage
          interest expenses.
          
               2) Triple the accumulation of home equity.
          
               3)  A big term reduction.  30 year loans pay off
          in 16 to 20 years on the program!
          
               4)  Mortgage account auditing...to avoid lender
          mistakes which can cost thousands in adjustable rate
          mortgage payment overcharges and errors in applying
          reduction payments, according to the FDIC.