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Harness the Power of Your Mortgage

Learn How to
Win the Money Game

How Would You Like the Power to Choose
what your House payments are each month?

Many options available! Liberal credit approval, low or no down payment, low monthly payments, choose your own monthly payment

Dear Friend,

Building a secure financial future is not as easy as it used to be. Those high interest credit cards, auto loans, etc. of 18-25% are draining money out of your pocket and endangering your financial future. For example, if your credit card balance is $8,000 and you make the minimum monthly payment at 18% interest, it will take you 25 years, 7 months to pay off the debt! You could be paying off that credit card debt into retirement.

There has to be a better way.

We are going to introduce you to a revolutionary new way of thinking that can change your financial future forever. We are going to show you how to harness the power of your mortgage to put more money in your pocket, rather than paying it out!

The Rules Have Changed

Since you need to borrow money during the course of your lifetime...

Doesn't it make sense to borrow the money as inexpensively as possible?

You should avoid high-interest, nondeductible debt such as credit cards, auto loans and personal loans. Instead, choose the better way.

Harness the Power of Your Mortgage

The Old Way of Thinking:

First, get the lowest-rate mortgage...

Then, start a bi-weekly mortgage program...

And, send in additional money whenever possible to reduce the principal balance...

This Depression Era mindset has been burned into the American psyche. But, is it possible this is exactly what you should NOT be doing?

The New Rules of Money

"You should get a big, 30-year mortgage and never pay it off." - Ric Edelman - New York Times Best-Selling author of the New Rules of Money

The rules have changed. Now...

Choose the best mortgage, not necessarily the one with the lowest rate.

Stay away from bi-weekly mortgage plans.

Never send extra money to your mortgage company.

Paying off your loan is like putting money under your mattress.

Your goal is to make the smallest payment with the biggest tax-break possible. That means never paying off your mortgage.

To understand why, discover The Truth About Money.

The Truth About Money

Here are 5 great reasons to carry a big, long mortgage and never pay if off.

Reason # 1: Mortgages don't lower home values.
Your house will grow in value (or not) whether or not you have a mortgage. In fact, most people discover that, over time, their mortgage balance falls while their home value rises - creating substantial wealth they never expected.

Reason # 2: Your mortgage is the cheapest money you'll ever buy.
Most people need to borrow money during their lives, so why pay 18% to credit cards when you can borrow at rates of 8% or even less?

Reason # 3: Your mortgage is the best way you can lower your taxes.
Interest you pay on personal loans, auto loans and credit cards is not tax-deductible, but for most of us, interest you pay on mortgage loans is fully tax-deductible, making the cheapest loan you'll ever get, even cheaper. Imagine borrowing money for a net cost of just 5%.1 You can do it with a mortgage loan!

Reason # 4: Get the cash out of the house - while you still can.
The main reason people turn to borrowing is because they have little or no income. But if you ever suffer a job loss, major medical or other financial crisis, you could find yourself unable to get a home loan. That's because lenders don't like to lend money if you are already in financial difficulty. That's why you should get a big mortgage now, before you need it - and while you still can.

Reason # 5: Your mortgage becomes even cheaper over time.
Depending on the loan you choose, your payment never rises - but your income likely will. That means today's mortgage payment becomes increasingly easy to pay over time!

The rules of money have changed. And nowhere is that more true than with mortgages.

A Tale of Two Brothers

Our story begins with two brothers, each earning $70,000 a year. They each have $40,000 in savings and both are buying $200,000 homes.

Brother A Believes in "the Old Way" paying off the mortgage as soon as possible	Brother B Believes in "the New Way" carrying a big, long mortgage & never paying it off
15-year mortgage at 6.38% APR $40,000 big down payment $0 left to invest $1,383 monthly payment(56% is tax deductible first year / 33% average) $1,227 average monthly net after-tax cost`2` Send $100 monthly to lender in effort to eliminate mortgage sooner	30-year interest-only loan at 7.42% APR`1` $10,000 small down payment $30,000 remaining to invest $1,175 monthly payment (100% is tax-deductible first 15 years / 64% average) $799 monthly net after-tax cost`3` Adds $100 monthly to investments, plus $428 saved from lower mortgage payment, where account earns 8% rate of return`4`
Who made the right decision?
Brother A Believes in "the Old Way" paying off the mortgage as soon as possible	Brother B Believes in "the New Way" carrying a big, long mortgage and never paying it off
Results After Just 5 Years
Received $14,216 in tax savings`2` Has $0 in savings and investments	Received $22,557 in tax savings`2` Has $83,513 in savings and investments`2`
What if both brothers suddenly lose their jobs?
Has no savings to get through the crisis Can't get a loan - even though he has $74,320 more in equity than his brother - because he has no job Must sell his home or face foreclosure because he can't make payments At this point, it's a fire sale, so he must sell at a discount, then pay real estate commissions (6-7%)	Has $83,513 in savings to tide him over`2` Doesn't need a loan Can easily make his mortgage payment even if he's unemployed for years Has no reason to panic since he's still in control - remember ... Cash is King!
How ironic: Brother "A", who never wanted a mortgage in the first place, is now in financial jeopardy because he was trying to get rid of his loan too quickly!
Brother A Believes in "the Old Way" paying off the mortgage as soon as possible	Brother B Believes in "the New Way" carrying a big, long mortgage and never paying it off
Results After 15 Years
Received $25,080 in tax savings`1` Has $30,421 in savings and investments`3` Owns home outright	Received $67,670 in tax savings`1` Has $282,019 in savings and investments`2` Remaining mortgage balance is $190,000 - and he has enough savings to pay it off and still have $92,019 left over, free and clear.
Results After 30 Years
Received $25,080 in tax savings`1` Has $613,858 in savings and investments`2` Owns home outright	Received $107,826 in tax savings`1` Has $1,115,425 in savings and investments`2` Owns home outright - so starts fresh and enjoys the same benefits once again.
Now... which do you think is the right course of action - "The Old Way" or "The New Way"? Remember...Cash is King - and Brother "B" now has more than $1.1 million in savings and investments!
The above hypothetical examples are for illustrative purposes only. Plans vary based on the needs and wants of the customer. Illustrated interest rates are based upon the monthly average interest rates compiled by the Mortgage Bankers Association of America for January 2002. 1 Assumes combined federal/state income tax rate of 32%. 2 Assumes 8% rate of return. Rate of return may vary based on a type of investment.

The Moral Of Our Story

"The Old Way of Thinking" can be devastating to your financial future.

You should never send any extra money to your mortgage company. Instead, put that money to work for you.

Once you have all the facts, it's easy to make the right decision.

People who understand how money works choose to carry a big, long mortgage and never pay it off.

How to Win the Money Game

The World Lending Group is one of the nation's premier mortgage lenders/brokers, offering a diversified portfolio of revolutionary concepts and products to help you harness the power of your mortgage.

Leverage old money you are already spending to create new money you can invest.

Harness the power of compound interest to work for you, not against you.

Educating and empowering consumers is a way of life at World Lending Group. We do what's right.

You are In Charge

What would you do differently if you had the option to lower your monthly mortgage payment? Would you...

Pay off high interest rate debt?

Save more for your retirement years?

Prepare for your children's education?

Plan a family vacation?

Prepare for a financial emergency - loss of job, major medical expenses?

Buying a new house? What if..

you could buy the house of your dreams, rather than second best with the same monthly payment?

you could live in a nicer house than your current one with a Lower monthly payment?

you could get the house you want with a down payment you could afford?

No matter whether you are refinancing your home, moving to a new home, or are a first time home buyer, choosing the right kind of mortgage is crucial to your financial future and enjoyment of life.

We Give You The Choice To Control Your Financial Future

No matter what your approach, our extensive mortgage portfolio can help you.

Traditional mortgage products -
Including fixed-rate loans (15-, 20-& 30-year terms), ARM (adjustable rate) loans (3-, 5- & 7-year terms), balloon loans (5/25 and 7/23 terms), second mortgages and home equity loans.

Interest-only loans -
Products that allow you to pay just the interest each month, maximizing your tax benefits and freeing up more money to save or spend.

The Power Option Loan concept -
An ARM loan that allows you to choose from four payment options each month, giving you maximum flexibility and control.

World Lending Group has a diversified portfolio of revolutionary concepts and products from more than 100 of the most respected companies in the industry.

The Power Option Loan

The Power Option Loan concept lets you choose from four options each month. For example, on a $200,000 Loan:

Option One: \| $838 month`2`	Option Two: \| $1,039 month`4`
Payment based on an introductory start rate for the first 12 months.	Interest-only payment set up on a 30-year schedule.

Option Three: \| $1,229 month`4`	Option Four: \| $1,713 month`4`
Payment based on a fully-amortized 30-year loan.	Payment based on a fully-amortized 15-year loan

1. This example illustrates the monthly payment for a $200,000 loan with an APR of 6.75% amortized over 30 years. Payments include principal plus interest.
2. This example illustrates the initial monthly payment for a $200,000 loan with a payment based on an effective first year interest rate of 2.95%. The interest rate is 2.95% in the first month, interest plus margin thereafter. Payment remains fixed for the first 12 months. This option results in deferred interest which is added to your principal loan balance. APR and payment amount adjusts annually every year based on an index and margin and may increase. Projected composite APR over life of loan is 4.368%, based on initial interest rate, current index, and margin. APR may vary. The current index is 1.840%. Loan To Value Ratio of 80% or less
3. Each example assumes that the option presented is selected each month of the loan term. For more details concerning the Power Option Loan concept and products available in your area, consult with your local World Lending Group representative. See back cover for additional disclosures.
4. These examples illustrate the initial monthly payment for a $200,000 loan with an APR of 6.23% at closing. APR and payment are subject to change each month based on changes in an index and your loan balance and may increase. APR may vary. Payments under Options Three and Four include principal and interest.

With our diversified mortgage portfolio, the choice is yours.

How Money Works

Now that you know how to get better value for your money, let's see the impact of the money you save over time.

The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double.
Age	4%	Age	8%
Money Doubles Every 18 Years		Money Doubles Every 9 Years
29 47 65	$10,000 $20,000 $40,000	29 38 47 56 65	$10,000 $20,000 $40,000 $80,000 $160,000

What the Experts are Saying

"Carrying a mortgage doesn't cause you to lose any money at all. In fact, just the opposite is true: carrying a mortgage is actually quite profitable. It's eliminating the mortgage that forces you to give up profitable opportunities.

If you have a mortgage and you're dreaming of the day when you make your final payment, you're trying to do something that financially successful people do not do."

- Ric Edelman: New York Times Best-Selling Author of Ordinary People, Extraordinary Wealth. His firm, Edelman Financial Services, Inc. is the nation's fifth largest independent financial planning firm, with more than $1.7 billion in client assets.

Get Started Now

If you are like most people, you're ready to take the next step.

You need to get started today:

Click Here to complete your free Mortgage Analysis Plan.

Your World Lending Group representative will contact you to review the results.

Then, you can take advantage of the mortgage product that best fits your needs.

It's time for you to harness the power of your mortgage and start winning the money game.

All loans are subject to approval. Certain restrictions apply. This document is not intended as an offer to extend credit, a commitment to lend or an offer to enter into an interest rate lock-in agreement. The loan interest rates, fees and terms presented are for illustrative purposes only and may not be currently available as rates are subject to change and availability. All loan products are not available in all states. This document has been prepared to assist loan originators in illustrating some of the financing options available to consumers. Mortgage loans are originated by World Lending Group, Inc., which conducts business in the states listed below.* Alabama; Alaska; Arizona World Lending Group, Inc. Mortgage Banker License #BK-0905354; Arkansas; California Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Colorado Consumer Credit Code Licensee Number 097213; Connecticut BROKER ONLY, NOT A LENDER; Delaware; District of Columbia; Florida; Georgia World Lending Group, Inc., 3975 Johns Creek Court, Suite 100, Suwannee, GA 30024 Georgia Residential Mortgage Licensee Number 11933; Idaho; Illinois Residential Mortgage Licensee, 3975 Johns Creek Court, Suite 100, Suwanee, GA 30024; Indiana; Iowa; Kansas; Kentucky; Louisiana Freddie Mac Exempt; Maine; Maryland; Massachusetts Mortgage Lender and Mortgage Broker Licensee Number MC3030; Michigan; Minnesota; Mississippi Supervised Mortgage Company; Missouri Freddie Mac Exempt - World Lending Group, Inc., 3975 Johns Creek Court, Ste. 100, Suwanee, GA 30024; Montana; Nebraska; Nevada; New Jersey Licensed by the New Jersey Department of Banking and Insurance; New Hampshire Licensed by New Hampshire Banking Department; New Mexico; North Carolina; North Dakota; Ohio; Oklahoma; Oregon; Pennsylvania Licensed by the Department of Banking; Rhode Island Licensed Lender and Licensed Broker; South Carolina; South Dakota; Tennessee; Texas (First Mortgages); Utah; Vermont; Virginia; Washington; West Virginia; Wisconsin; Wyoming.

Stop Dreaming and start doing. Take the first step to improve your financial future.

To your success,

Richard Odessey

P.S. Remember rates are still low and qualifying is easier than ever. No matter what your situation, you owe to yourself and your family to take advantage of this opportunity. Click here.

P.P.S. Think about the money you could be saving every month. Think about the nicer house you could afford. Click here.