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Jeff Spellman
TEL: (516) 808-4105
jeff.spellman@jsrealestatesolutions.com
©2006 Jeff Spellman

REDUCE YOUR MORTGAGE WITHOUT REFINANCING

The 30-year fixed mortgage is the foundation of the American Dream. Tens of millions of families have financed their homes using this traditional method, building communities and achieving financial stability.

But the dream can be made even better. Avoiding the cost and effort of refinancing your current mortgage loan, JS Real Estate Solutions can help homeowners establish a biweekly payment plan that significantly reduces the interest paid on a mortgage and builds equity up to three times faster. Borrowers can own their homes more quickly and for less money.

Instead of making your mortgage loan payments once a month, JS Real Estate Solutions sets up a program to debit your checking account every two weeks for half of the amount plus a small debit fee and pays your mortgage on the due date. For example, if your total monthly mortgage payment is $1,000, your account would be debited for $503.95 every two weeks. Because there are 26 biweekly periods every year, payoff of the principal balance on your loan or mortgage is greatly accelerated.

INTEREST COMPARISON
$125,000 30-Year Mortgage at 6.75%
CURRENT METHOD BIWEEKLY METHOD
$166,867
Interest
$45,035
You Save
$121,832
Interest
$125,000
Principal
$125,000
Principal
Based on $1,000 monthly principal,
interest, tax and insurance payment

The JS Real Estate Solutions program works for more than home mortgages.

  • On a typical 10-year student loan at 7 percent, the interest is almost $14,000. You can save more than $1,500.

  • On a 15-year $85,000 boat or RV loan at 7.5 percent, the interest is almost $57,000. You can save more than $8,000.
Free Audit Protection

JS Real Estate Solutions clients have additional safeguards through U.S. Mortgage Reduction. On request, U.S.M.R. will initiate an annual audit of your mortgage to protect you from lender errors. This free service is essential to guarantee that you are receiving the proper credit for loan prepayments – something extremely difficult to accomplish on your own.

EQUITY ACCELERATION PROGRAM® IS A REGISTERED TRADEMARK OF U.S. MORTGAGE REDUCTION INC.

Take Action

To learn more about the ways that JS Real Estate Solutions can accelerate your loan payments to save you money, click here and complete a mortgage analysis form. You will be contacted with a customized recommendation on how you can benefit from the program.

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