Join This Man's Crusade - Help Eradicate Predatory and Unethical Lending - Become Instantly Recognized as an Ethical Loan Officer - Watch Business Find You Rather Than the Other Way Around

What if you became recognized throughout your town as THE ONE mortgage expert that truly cares how mortgage borrowers are treated? It could happen. It's happening right now to a number of loan officers throughout the country. But this is a limited opportunity so relax for a moment and read this - it may just change your life.

Please let me introduce you to Consumer Advocate Harj Gill. Mr. Gill is about to become a household name in this country. His platform is simple - to Educate, Empower and Protect the American Consumer regarding the financing of real estate. He is gaining traction - the media is very interested in his mission. With this letter, you are being given an opportunity to join him, becoming the "go to" mortgage expert in your area - if you are willing to abide by certain criteria.

Mr Gill is the author of the best selling book "Own Your Home Years Sooner -Without Making Extra Interest Payments". Over 500,000 copies of the book have been sold. The book is available through his Non Profit Consumer Information Center - American Mortgage Educators - found at www.MortgageFreeUSA.com. He is also the developer of a software program called "Speed Equity". The software provides a borrower with a customized blueprint to get out of debt years sooner through an innovative approach that takes advantage of the way interest is charged on certain loans - using the "average daily balance".

He is also in the process of exposing the "bad seeds" in the industry - those that care only to line their own pockets, without regard to the welfare of their clients. At the same time, he is providing an opportunity to those loan officers and brokers who act only in their clients best interest to become part of his crusade. You may view the Criteria for Approval and a list approved brokers and loan officers here: http://mortgagefreeusa.com/zz-Approved/App-Brokers-states-1.html

My name is Ron Borg. I am an owner of a mortgage company, licensed in New York, New Jersey, Florida and Connecticut. I am also Consumer Advocate Harj Gill's broker liaison. One of my primary responsibilities in this position is be your "voice" to Mr. Gill - to represent your concerns and also to help you understand what Mr. Gill is all about.

Having been in this business since 1983, I have pretty much seen it all. Or so I thought.

I read industry news on a daily basis - do you? If you do, then I am sure you are also concerned. So much bad news - fraud, predatory lending, foreclosures on the rise, layoffs, companies going out of business. In nearly 24 years, it has never been this bad.

Why is this happening? Well, there are a number of reasons but the primary culprit is (or was), the housing boom of the past 5 years. We all know that thousands upon thousands of new loan officers entered the mortgage industry over the past several years. Unfortunately, many of them learned only enough to be dangerous.

They've learned that Option ARMs pay big premiums just by raising the margin - something most borrower's don't know (how convenient). They've learned how to piggyback a 2nd onto a 1st mortgage - why bother with a down payment?. They've learned how to get around logical underwriting guidelines by using stated income loans when there was not enough income to qualify. And the wholesalers let all this happen.

Why? Because real estate values were jumping. They were "protected". If a borrower finances 100% of their purchase but the property jumps 15% in value in one year, there's equity, right?

Well that my friend, is history. If you think that housing values have "stabilized" you're in for a rude awakening. Look - I'm an eternal optimist - because I know that I can be part of the solution, not part of the problem. But it doesn't mean I ignore the problems. You MUST recognize problems before you can be part of any solution. And there are some dire problems in the real estate industry right now.

Here's just a few of the recent headlines (please don't read them all, it's very depressing).

RealtyTrac: Nat'l Foreclosures Up 17 Percent in 3Q
Florida climbs to No. 3 in foreclosures in latest quarter
Foreclosures lead to auction
Three On Your Side: Foreclosures and Interest Rates Worrisome

That's just a few. In a nutshell - the 3rd quarter of 2006 saw a 17% increase in foreclosures which was 43% higher than the 3rd quarter 2005. Here's why that's just the beginning:

American homeowners pulled $719 billion in cash from their houses last year after a $633 billion withdrawal in 2004, according to the Federal Reserve.

Industry forecasters recently estimated that more than $200 billion worth of adjustable rate mortgages will "reset" at higher rates in 2006 and more than $1 trillion will reset in 2007.

The president of Foreclosure.com said recently 'We think this is only the beginning of a major shakeout. There are about $400 billion of these exotic loans out there across the country that will reset to market rates this year and cause severe payment shock to homeowners.

Greg McBride, senior editor at Bankrate.com had this to say about what happened - People were gambling that their income would get to a point where it was high enough to pay for the home at some point. They also were gambling that the market would help them build enough equity that they could refinance if they needed to. Now they may need to, and those gambles aren't paying off.'

So I am asking you now - Are You Part of The Problem Or Will You Be Part Of The Solution?

If you want to be part of the solution, there are a few things you must do NOW.

First, review the "Criteria for Approval" Criteria to Become an Approved Loan Originator

If that is acceptable to you, there is a link near the bottom of the page where you can apply to become approved.

Secondly, buy the book and the software. Consumer Advocate has authorized a very special offer for those loan officers and brokers that want to become involved. You will see that his book normally sells for $24.95. His software sells for $499.

If you would like to buy the book, software or both, just send an email to: RonBorg@MortgageFreeUSA.com.

In the subject box, put the words "I Want the Book", "I want the software", or I want the book and the software". Provide contact information in the body of the email. You will then receive an email with a special phone number that you will need to call along with a password you will need to say when you call.


I welcome you to become part of this historic movement. One day, I'll be able to tell my grandchildren that I was part of it. Will you?

Ron Borg

FIRST LOOK!!! Here's the Copy for My Speech I'll Be Giving at the Know Your Right's Workshop Being Held This Weekend in Las Vegas - Any Thoughts?

My name is Ron Borg. Before I let you in on some very exciting news, I'd like to tell you a little about myself, so that you have an idea of who I am. Currently, I own a mortgage company based out of New York called MortgageOne. We originate loans in NY, NJ, CT & FL. My wife and I run this business together from the beautiful west coast of Florida. I happen to be blessed with a beautiful and extremely smart wife, a wonderful 7 year old boy and we live in a little slice of heaven right near the gulf of New Mexico. I have to say Life's Great.

But back in 1983, when I stumbled and fell into the mortgage industry...(no little kid EVER says they want to be a Mortgage Broker when they grow up... you just kind of end up there), I had gone through about 15 jobs by the time I turned 23. Then one day, someone told me about this company that was hiring. It was a mortgage company. He also said I could make some fast cash. Now when your 23, the words "fast cash" has a real nice ring to it. So I went through this "interview"...I'm pretty sure they just wanted to make sure if I could hold a conversation... and got hired. My job? simple... Sit in a little room with about 8 other guys and wait for my phone to ring. When it did, I had the caller some questions and write the answers on this form... they called it a 1003... and then I was to offer the caller a very reasonable loan... 15 3/4% fixed for 3 years! Oh... and also 2 discount points and a 1% origination fee.

Of course I didnt know that my customers received higher rates at their closing...see we weren't allowed to attend closings. But over time, I got educated. And I learned that I didn't work for a very nice place. Ikept hearing how customers left angry.... actually making threats against the company.

And so I left that company.

I was then fortunate to land at a company that was run by two gentlemen that had morals. They were ethical people. And I stayed there. And was part of their growth to the point where they were acquired by a Savings and Loan. I don't think those two gentlemen ever had to work again. And so now I knew what I wanted to do... to start my own company build it up and sell it to a bank. Logical, right?

Well this has all taken a little longer than I expected it to. But I love my business. There is no finer feeling than helping young people become homeowners. And some not so young. And it can be done honestly, with integrity and it's really not that hard to put people's needs ahead of your own. If that's how you are wired.

Unfortunately, the mortgage business has attracted a whole lot of bad people. And many people that aren't necessarily bad...just uneducated. And sometimes they work for bad people. It happened to me when I first entered the industry. So I know it can happen.

But things have gotten out of hand. Recently I spoke with a gentleman.. a broker in Ohio - He told me that his office writes only one kind of loan. A pay option ARM. They don't explain how the loan works... they just show their customers what their monthly payment will be ... based on 1% - even though their true interest rate would be closer to 8 1/2! Leaving out pertinent facts may not be against the law... but it is definitely immoral and unethical.

Many brokers offer what are called "stated income" loans. They are also known as Liar Loans. Now, stated income loans came into being in order to expedite the processing of loans. And when they serve their purpose, these loans are great. But loan officers and brokers are "coaching" their borrowers to state much higher income figures in order to get approved. When it comes to the self-employed, we know their tax returns often do not accurately portrait their true income. But as a loan officer, if you ask a wage earner to lie on an application, it's just unconscionable. It happens hundreds of times every single day of the year.

I want to personally thank Consumer Advocate Harj Gill. Thank you, Harj. You have started a movement which cannot be stopped. This movement is made up of ethical, knowledgeable and moral loan officers and mortgage brokers that have seen enough. Maybe it took a man like Harj Gill - basically an outsider to the industry - to help us see ourselves a bit clearer, to see our industry and how our industry is perceived by the American Consumer.

It's not a pretty sight. I heard of a survey that was done that found loan officers to be respected LESS than a used car salesman. That hurts. It hurts because I love my industry and I love what it can do for people... when it's done correctly.

It is time for the best, the brightest, and the most honest mortgage brokers and loan officers to unite under one umbrella organization - and Consumer Advocate Harj Gill has graciously accepted this challenge. This new organization will be a "Safe Haven" for borrowers - home buyers & home owners alike... and these borrowers will now have the confidence and security of knowing... that their financing needs will be handled by only the best in the industry.

This new organization, founded by Consumer Advocate Harj Gill is called "Mortgage Brokers For Change". And Mr. Gill has asked me, Ron Borg to be it's very first Chairman.

There comes a time in a man's life, when he begins to ask questions. Questions like, What has he done for the world? What has he accomplished? How do his loved ones think of him? And he thinks, there's more... there's more that he can do. If given the chance... can he leave a legacy. Mr. Gill has given every loan officer and mortgage broker in this country the opportunity to be part of such change.

I am here today, to seek out members of the board for Mortgage Brokers for Change. Together we will draft a proposal to create an agenda for an organization that will have a single minded, finely focused, purpose. And that is to protect the American Consumer from those that can cause them harm. We will do that by setting new standards and guidelines in consumer protection. We will take the lead in bringing about the end of predatory lending. And we will become the dominant force for good in the mortgage industry.

There are simply too many homeowners today that have mortgages which can easily send them to financial ruin. We need to get to them before the same people that put them in those harmful mortgages, get to them. To do that, we need the kind of visibility that the mainstream media can bring. Once again, I have to thank Consumer Advocate Harj Gill. He has pledged the full support and resources of his advocacy office - American Mortgage Educators and the consumer information center - MortgageFreeUSA.com.

This is a great day for the mortgage industry and I am grateful to be a part of it. Thank you.

OK... that's it.. Please let me hear your thoughts!

As always, you may reach me at RonBorg@MortgageFreeUSA.com

If you require financing and want only the God's Honest Truth... 1-866-RON BORG

Consumer Advocate Harj Gill Endorses Lender

Unbelievable news! Consumer Advocate Harj Gill has officially endorsed a lender - Pinnacle Financial out of Orlando, FL. I'll be heading there tomorrow, Thursday November 9, to meet with the CEO of the company, Douglas Long. It will be my opportunity to see firsthand, Pinnacle Financial's operations and of course lending philosophy.

I have made my feelings clear to Mr. Gill - any endorsed lender should be a lender that embraces the mortgage broker community and that has a quality wholesale program available for brokers to access.

Well, we'll found out tomorrow, won't we?

From what I have learned so far, the company does have a stellar reputation for working on client's behalf. But they have loan officers in nearly all of our 50 states so I'm curious to see how they maintain their quality controls and compliance.

I'll make this short because I want to prepare for tomorrows meeting and of course I'll report back to you all within the next couple of days.

In the meantime, here is alink to the press release announcing the official endorsement:

http://mortgagefreeusa.com/Archives/PR/PR21.html

Educating, Empowering & Protecting American Mortgage Borrowers

Are you a mortgage loan officer, broker or manager? Are you concerned over the current state of affairs within our industry? Do you seek ways to better serve your clients, thereby increasing your originations each year? How would you like to be handed a system guaranteeing you 100% retention of all your clients, creating good will and a reputation for doing the right thing?

If I just described you, sit down, grab a cup of coffee and read this post. You may have just stumbled on a career -maybe even life changing opportunity!

For 24 years, I have been helping homeowners & homebuyers obtain favorable mortgage financing. That is what good mortgage broker does. But GREAT mortgage brokers do much more than that. Through consultations I teach my clients a strategy that dramatically reduces the total amount of interest they pay over the life of their loan, reducing the number of years they stay in debt. I show them this strategy, called "Precise Principle PrePayments" to better their financial positions; to help them get out of debt before retirement, so they can do so without the huge debt load that seems to be burdening way too many people these days.

This strategy, Precise Principle Pre-Payments not only provides my clients with an excellent method of pre- paying their mortgage - it also enables them to accurately track all additional payments, keeping the lender honest. Too often people are surprised at their "payoff figure" - especially after making additional principle pre-payments.

My clients have always appreciated their new found knowledge and have shown their appreciation by sending many referrals my way. Little did I know that I could show them a much better system dramatically increasing repeat business and referrals at the same time!

See, recently I met a gentleman that is taking on the entire mortgage industry In the short time that I have known him, he has gained my trust and has become a tremendous influence on me, my beliefs, and especially in the way that I educate my clients in how they manage not only their mortgage but all of their debts.

Take the time to read this - it just may have a profound effect on you too!

The gentleman I am so impressed with is known as Consumer Advocate, Harj Gill. Mr. Gill is the author of the best selling book "Own Your Home Years Sooner - Without Making Extra Interest Payments". Over 500,000 copies of this book have been sold and that is only a start. After seeing him speak publicly to nearly 1000 people in Orlando, it has become clear to me that over the next few years, Mr. Gill will become a household name - not only in the USA but in Canada too. He is already a public figure in Australia.

This is his platform:

To Educate , Empower & Protect American Homebuyers and Homeowners.

He single-handedly changed the Australian mortgage and banking system. Having moved to the US in 1997, he is now working to correct the injustices that occur on a daily basis in this country's mortgage system. Through his organization, American Mortgage Educators, the Consumer Information Center - MortgageFreeUSA.com, his wonderful book and his tremendously educational software, "The Speed Equity Software Program", Mr. Gill is on a crusade to rectify what amounts to gross mismanagement of the financial affairs of the American public.

The Speed Equity Software program provides mortgage borrowers a platform that educates and manages their finances. In all my time in the mortgage industry, I have never seen a better financial management system. The software shows borrowers step by step how to restructure debts, eliminating tens, and for some, even hundreds of thousands of dollars in interest and many years off their loans.

In a moment, I will show you how to receive a huge discount on Mr. Gill's book and software, enabling you to share his system with your clients. Once you do that, you will never need to search for a mortgage again. People will seek you out- not the other way around.

Consumer Advocate Harj Gill has elected me to act as his Broker Laiason. Mr. Gill wanted a "voice" - a connection, to the mortgage industry. Because of my wholeheartedly belief in Mr. Gill's crusade and being fairly well known in the industry, Mr. Gill asked if I would act as his liaison. I was honored, and of course, accepted the position. It is my objective to show mortgage brokers and bankers that Mr. Gill is in no way against our industry; he is actually for our industry. He does however, feel strongly that there are too many originators in the industry today that feel no responsibilty to those seeking mortgages; I, for one, am in agreement.

There's alot of talk about becoming a trusted advisor to your clients. That cannot happen until we mortgage professionals stop "selling" and begin focusing on truly serving our clients - placing their interests ahead of our own. This could mean turning away a mortgage that doesn't make sense or possibly accepting less compensation in order to make a good loan work - in the end - just doing what's right for the people we serve.

It is one of my functions within American Mortgage Educators to help find like-minded mortgage originators, brokers, and managers throughout the country, to show them how joining Mr. Gill and American Mortgage Educators is the very best thing they can do for this country and in turn, for themselves. I also embrace Consumer Advocate Harj Gill's directive in lobbying for more stringent educational requirements for the nations mortgage professionals.


Now for the special offer I mentioned earlier.

Consumer Advocate Harj Gill's book, "How to Own Your Home Years Sooner - Without Making Extra Principle Payments" is being sold for $24.95. Take a look - Click Here

The Speed Equity Software Program is being sold for $499. See it here - Click Here

SPECIAL OFFER!

After much pleading (that sounds better than begging), I have convinced Consumer Advocate Harj Gill to allow me to make you this limited offer -

I want you to see - first hand - how truly awesome this book and software is. Once in your hands - once you try it - you'll see the value in giving it to all your clients.

So here's the offer - Purchase BOTH the Book & the Software by November 30 for only $149 and you'll be granted the Rights to continue buying as many packages as you wish - for only $149 each!

Here's how to have a 100% client retention -

Prior to every closing, order the book and software license. Then either present your clients with both at the closing or send it to them via overnight carrier. The software requires no download - access is granted over the web through a user name and password. Once they begin using the software, they will never forget you! And you now have a perfect reason to stay in contact contact with them. They'll look forward to hearing from you. They will want to tell you how wonderfully they are doing with the program. And they will thank you - over and over.

To get the book and access to the software, send an email to RonBorg@MortgageFreeUSA.com

In the Subject Box, enter the words "Grant Me Access". In the body of the email, provide me with your contact information. We'll call you back to take your order for this special offer over the phone.

Once you begin using this program, you will experience rapid change - you'll be improving the lives of others andwhat goes around, comes around - just watch how your life improves too!

Remember - Educate, Empower & Protect!

Ron Borg
Mortgage Broker Laiason to Consumer Advocate Harj Gill
American Mortgage Educators
www.MortgageFreeUSA.com
RonBorg@MortgageFreeUSA.com