Washington Lease To Own

How Did 87 American Families Last Month (And every Month) Do Just That?

And how did they do that WITHOUT A DOWNPAYMENT, WITH LOW CREDIT SCORES, and WITHOUT THE EMBARASSMENT OF BEING TOSSED OUT OF THEIR MORTGAGE LENDER'S OFFICE or INSULTED BY SOME CHEEKY REAL ESTATE AGENT?

Whether you call it Rent To Own, Home Lease Own or Rent To Own Houses, More Importantly.... How Do YOU Move Into The Lease Own Home Of Your Dreams -NOW- and Earn Your Way To A Credit Score That Would Make Your Mama Proud?

The Shocking Truth Could Make YOU A Homeowner!

Dear Friend,

I don't know how you got to this letter but the mere fact that you are reading it is proof that you are looking for something better in your life. Maybe you have suffered some unfortunate event - a divorce, a career change, a huge medical bill, a family member that needed money and left you stranded, ruining your credit. Maybe you have had a recent bankruptcy and discovered that mortgage lenders want two years of good payment history before they will lend you money again. Maybe you have never owned a home and are watching opportunity slip away becasue you have not saved for a down payment, don't understand good credit management and are watching housing prices climb away as you stand helplessly by because no one taught you the fundamentals of how to benefit from the housing finance system.

Well, maybe you really like being a renter. You know,....waiting for the next rent increase or.... 20 day notice to move out because some relative of the landord wants to move in or.... tippy toeing around the living room because the neighbor downstairs calls the local S.W.A.T. Team every time you make a sound or..... maybe you really like learning the intimate details of the next door teenager's love life that seems to flow through the walls of your bedroom every time they are on the phone or .... maybe you really like the rules and regulations set up by that benevolent management company or....maybe you just love the joyful 3:00 am sounds coming from the 5 students living next door in a 2 bedroom unit during their twice weekly hip-hop karaoke party! If you did have to move... again... isn't it great to sit down with 6-10 new, unfamiliar landlords or property managers and spill your guts one more time to a stranger about all of the personal details of your recent rental history?

It could be that you are a homeowner and are facing a foreclosure or defaulted loan due to some emergency. Maybe you have the income to make the payments now but the bank wants those PLUS all of the back payments - NOW.. OR ELSE! You may have already gotten a few phone calls or postcards from "cash buyers" for your home or "hard money" lenders. I'll bet that was fun and left you with a really great feeling of being wanted. How about those welcoming phone calls from debt collectors at all hours of the night making you afraid to pick up the phone to answer a ring.

Did you know that it is much more difficult to get car or liability insurance when you don't own a home and when you can you pay higher rates? Did you know that homeowners who have clean payment histories will enjoy higher credit scores than individuals who have equallly good payment histories on their other forms of debt? Did you know that people who lease to own house have access to more types of credit and at lower rates than people who do not own their homes but have a good credit history? Did you know that owning a home will improve your chances of obtaining lower cost car loans, credit cards, revolving charge accounts, installment credit and business loans?

It seems to feel like the odds are stacked against people who do not own a home... doesn't it? Well, that's because.... THEY ARE!

Doesn't it seem that there should be a better answer? Well,.... there is.... but you must read on to the end to get it:

A Lease To Own Home Gives You An "Unfair" Advantage!

The federal government, state governments, investors, Wall Street, banks, insurance companies, cities, mortgage companies, counties, credit card companies, bankruptcy courts, retailers, school districts, commercial vendors and many, many other "players" in the game of YOUR life have decided that it is better for you to be a homeowner. They have piled on incentive after benefit to encourage you to become a homeowner. The treasure chest of benefits is so attractive that nearly 70% of American families own their home! So why should you make the effort, even if you have NO DOWN PAYMENT or a POOR CREDIT HISTORY? Let me lay out just a few of the reasons for you:

•    When you own your home rising prices benefit you (your net worth increases).
  
  
•    If you borrow money using a fixed rate, fully amortizing mortgage the monthly payment of your prinicipal and interest remain constant over time (your "rent" stays the same; no increase).
  
  
•    Interest paid on home mortgages is deductible from your income when calculating federal income tax due (you pay less tax).
  
  
•    If you have a self amortizing mortgage a portion of your payment is principal which reduces the amount owed over time (part of your "rent" is actually a savings account).
  
  
•    If you sell your home for a profit current tax law allows you to enjoy making a profit of up to $500,000 for married couples and pay no federal income tax whatever (you pay less tax).
  
  
•    Home equity lines of credit or other debt secured by equity in your home is generally more readily available and carries a lower cost of interest than unsecured loans (you pay less interest).
  
  
•    In general if you own a home your credit scores will be rated better when compared to non-homeowner people with a similar payment history (your credit improves).
  
  
•    Higher credit scores generally mean you are offered more  opportunities to have access to capital for consumer purchases, business operations or investments (your opportunities to build wealth increase).
  
  
•    Home ownership and higher credit scores generally mean that you will pay less interest on borrowings (you pay less interest).
  
  
•    Home ownership and higher credit scores generally mean that you will be able to qualify for and obtain lower rates on insurance policies (you have access to insurance when you otherwise wouldn't and you pay less for premiums).
  
  
•    Home ownership and higher credit scores generally will help you to qualify for lower interest vehicle loans (you pay less for the total cost of transportation).
  
  
•    Home ownership and higher credit scores encourage banks, vendors and others to grant you credit to start a business or turn your hobby or passion into a profitable additional source of income (it becomes possible for you to create multiple streams of income).
   

 A Lease to Own Home Makes You The Queen and King Of Your Castle!

Let's face it, it's pretty hard to live like royalty in the stable, the roadhouse or the servants quarters. Owning your home will not grant you a title or immediately increase your income equal to that of the Windsors (you know, Queen Elizabeth, Prince Charles, etc.) but it does provide one major benefit that is the gateway to all of the other advantages of the good life: CONTROL. Here are just a few of the Improvements in your Quality of Life that you will enjoy:

•  YOU choose the school district which your children will attend.
•  YOU choose the neighborhood with the shortest commute to work. 
•  YOU choose the home that you can afford in the neighborhood that YOU want.
•  YOU determine YOUR environment. If you want to add a deck, a hot tub or landscape the yard YOU choose what it will be and when you will do it.
•  YOU choose the decor: the colors, the architecture, the appliances, the floor coverings, the millwork, everything. If you don't like what is there now.... YOU change it without asking anyone's permission (city and county permits excepted).
•  YOU determine the hours of operation. If you want to stay up all night and watch a movie or listen to music... that's what you do! If you want lights out at 10:00 pm... that's YOUR choice.
•  YOU set the table your way for your dinner guests seated around YOUR table in YOUR dining room.
  
  I'm sure you get the picture. Owning a home means YOU choose what happens in YOUR environment. Renting means others choose what happens in your (their) environment. It seems obvious that most people who aspire to have choice in their lives would opt for those circumstances that provide that choice, isn't it?
  
  

Isn't that what you really want? Choice, freedom, security and comfort for your family, a stake in the future, stacking the odds in YOUR favor? Can you give any good reason why you choose not to be a homeowner if the the opportunity is presented to you? Can You?

With so many forces acting in favor of home ownership why is it that only less than 70% of families own their homes? What about the other 30%? Well,... some people just don't know all of the reasons that you now know because nobody taught them about it in school. Nobody taught them about good credit management either, or investing or saving.

Sometimes, however, it is simply a "perfect storm",  a confluence of unfortunate events that cause people to lose hope (or even lose their home). To illustrate what I mean I would like to let someone tell you his story. Names have been changed to... well.... you'll see why when you read the story:

The Story of My Friend Roger, A Mortgage Lender

"Hi, Roger isn't my real name but I am a mortgage lender. After more than 15 years in the business I have helped probably several hundred people find the money to buy or refinance their homes. I am especially good at helping people who are looking for "0 Down" loans or who have credit issues. I believe that I have seen it all in terms of unfortunate circumstances that can happen to a family. Maybe that's why I didn't see it coming when it happened to me.

My business was moving ahead very well and I was making a lot of money. Because I am a lender I took care to follow the rules when it came to making my payments and watching my credit. Well, a couple of years ago after some bad years together my wife and I decided to divorce. We had to sell our home to divide the assets and we agreed to a settlement.

Anyway, we sold the house, split the money and the sheets and went on our separate ways...I thought! What I didn't know was waiting for me next.

As this particular issue had not yet become public record I didn't know about it yet so I proceeded with my plan to buy another home. I obtained my commitment letter, closed on the house and my lender sold my loan to another lender. That's pretty normal but I had sent in my first payment to the original lender who somehow "forgot" to send it to the next lender. Because my new lender had not received the first payment they marked it as late and contacted me. I explained what had happened and began working with the first lender to take care of it. That's when I got a little late arriving surprise from my now ex-wife.

You see, she had gotten some elective medical treatment while we were still married..in name.., (but didn't pay for it, and didn't tell me!) so this showed up as problem on my credit record. Well this wasn't helping the situation with my lender who now told me that they were not going to accept my current payments as being timely until the matter of the first payment was cleared and this mess with my ex-wife removed from my record. Well, time went by and before you know it I now had several late payments and a FICO score way below 500!

For a number of years I had worked with one of Kamal's agents. One day, he brought Kamal to meet me. Kamal told me about his new company called Washington Lease To Own LLC. Kamal wanted to talk about a program that he had developed that helped people with credit problems and no savings to acquire a home NOW and restore their credit at the same time. I didn't know how THAT could be done but when he explained it all to me I wondered why I hadn't thought of it my myself! Because I had worked so many years with Kamal's colleague and I knew that he was one of the top, if not the top real estate agent in the county I listened very carefully to what this fellow had to say.

When he explained how anyone that had an income and was committed to doing what was necessary to improve their credit could "borrow" the cash and good credit of one of Washington Lease To Own's Investors to acquire their home today as a lease tenant with an option to purchase, I was intrigued. I could immediately think of 2 or 3 people that I was currently working with that would LOVE this opportunity.

Then, I dropped the shocker on them!

I asked them: 'Do you think you could help me?'

Yeah, me, the expert in helping people with credit problems find mortgage money. You see, things were not going in the right direction with my lender problem and time was running short. Kamal explained to me in about 15 minutes all of the details and we worked out a way that I could use the program. If things don't get sorted out PDQ with my lender I will definitely go with their program. I will also recommend it as an excellent alternative for people in temporarily difficult circumstances like mine. I have not seen anything like it before."

The Hidden Secret Behind This Powerful New Way For You To Own A Home!

Just imagine if you were my friend "Roger" who had to…reject his own personal credit for financing!

So where would "Roger", an experienced, successful mortgage lender go when he faced a credit and borrowing problem of his own that he could not solve himself?

The sad truth is that if I hadn't come to Roger first to tell him about this amazing program he would have exhausted his alternatives and probably suffered further devasting losses setting him back several years in building his net worth, possibly hurting his business and losing his home.

But now my friend "Roger" and other lenders that I work with daily have something better to use for themselves if they need to and better yet.... to help those hundreds of families who before had no options left but to rent and watch the market moving away from them.

You know what else? "Roger" is not a "bad" person or irresponsible with his credit! Bad things happen to good people. Now "Roger" knows that he can rely on me as his "Hidden Secret " in our mission to get everyone into homeownership that is truly committed to doing what is necessary.

And now, you can too!

Let me tell you what this is all about: My name is Kamal Dallal, and I will be frank with you. We are a company operating in Washington State that buys homes for individuals and families because they can't qualify for a mortgage themselves. More directly to the point…

I Don't Care How Abominable Your Current Credit Score Is…
We Will Buy You A Home, Because In My Program…

Your Current Credit Is Not An Issue.

Listen, what I am about to share with you is going to boggle your mind, and will seem almost "too good to be true." I admit that up front. It seems unreal…like a fantasy. (After all, who would buy another other person a home?)

I know what you're thinking. You're thinking the same thing that Brenda and David Gardener thought, "We thought this program sounded 'too good to be true,' but today we truly live in our dream home!" They know better now, because they live in their home we bought for them.

If you're like I was, you have alarm bells are going off in your head already! I personally thought, "If it sounds too good to be true, then it is!"

Trust me when I tell you that I know how you feel, because when I accidentally stumbled over this missing link to owning a home, I was shocked!

It took me totally by surprise when I discovered how this program possesses the amazing secrets of how to completely by-pass the credit bureaus, (as if they never existed) and allows you move into a home you choose. I was as floored as you are right now.

Here's proof: I'm about to reveal something brilliant to you…in plain English, that will convince you through rock-solid proof that you can indeed own a home - the home you choose - in a great school system, and in a safe neighborhood…no matter what your current credit score is right now!

Treating People With The
Respect They Deserve.

But that's enough already. Let's talk about you. You're looking for a home for your family. Fair enough…

Here's how my program is all ready working for you: My program smashes through virtually every obstacle that has ever ambushed you from owning a home of your own. Here are four quick examples:

•  Example #1: Does your credit score cripple you from qualifying for a mortgage? No problem! Got that covered.
•  Example #2: Don't have hard cash for a large down payment? No problem! Taken care of.
•  Example #3: Concerned about not having the moolah for closing costs? Not an issue. You won't need any!
• Example #4: Ever been forced into bankruptcy? Very Easy…not a problem!

I cannot stress how powerfully the secrets behind my program will affect your life. There is no other program like this anywhere. Period! This program is absolutely original, and just like the thousands of other families we've helped, you are about to discover the secrets of how…

You are going to own a home…because you will be joining the other 76 families every month that are instantly sidestepping the fear of shame from the bank's traumatizing rejection, and you will take possession of the home you've picked out.

What this means to you is, you will be one of the more than 2 enthusiastic families everyday that will kiss the mortgage company's nerve shattering rejection goodbye, and will move into your home! This will put you in good company with the other 927 families every year that never had to qualify for a bank loan to move into their new home!

You will be able to move into your home first, and improve your credit second…because we buy you the home before you get your credit restored. Think of how you will feel when this happens for you? (In just a few short weeks when you are sitting in your new living room reflecting back on this moment, you will be so thankful you decided to read my letter.) And imagine how thankful you will be that you took the time to believe what you are currently reading, but thought was impossible. Somewhere, I think they call that faith.

You settle into the school system of your choice…because the protection of you're children is the number one priority of your life! (Just imagine the thrill of going to bed a few short weeks from today, knowing you've just provided for your children a wonderful, safe home.) Because one of the strongest emotional needs your children will ever have is their need to feel secure…a place where they can feel safe…a place they can call home.

You choose your neighborhood and the distance to work…because your savings on gas prices alone could pay a monster-sized portion of your mortgage…being that gas prices are predicted to break the $3 dollar per gallon mark. Live all the way across town from work and hate the drive? You can do something about that.

Think how great you will feel with a drive that is just a few short minutes from work versus traveling half an hour, or more if you are fighting traffic! (That means more time to light your favorite scented candle, uncork a bottle of campaign, and slip into a hot bubble bath with your lover as you share the mutual feelings of gratitude that you are living in your new home.)

You will experience the deep personal satisfaction of preparing meals for your family in your own kitchen! Your family will love to soak in the invigorating familiar smell of Mom's homemade cooking…(Put a bottle of champagne on ice and get revved up for some lobster, because you're going to be celebrating in just a few short weeks.)

You finally get to eat dinner at your own dining room table, and watch TV with the family afterward, without having to wait all the painful years of overcoming every obstacle that has ambushed you in the past.

You're gonna have a "Kodak" moment the very first night, when you tuck your children into their brand new bedrooms as they reach up and wrap their precious little arms around you…and you will probably shed a tear in thankfulness. The over-joy in your soul for your families blessings will make you want to drop down on your knees and give thanks…Because nothing would be more appropriate at a time like this.

You don't have to wait until you can save for a large down payment, which could take several years of slaving away to save enough for a nice home - because we're going to pay the down payment for you. This will save you years of time, and also save you the actual up front cold hard cash usually demanded by a lender to put you into a home. (No more crunching numbers late into the night…loosing valuable sleep…trying to find ways to save tons of money for a home.)

You will never experience the humiliation of having to ask your parents or siblings for a monetary gift just to pay for the closing costs…because we will open the vault and will bring all the cold hard cash to the closing table for you. In fact, you won't even be at the closing table, because we handle all of that stress for you. This saves you even more money, because there is no reason to take off work. (All you will have to do is pick up your keys and officially open the door to your new home for the very first time!) Imagine how fun it's going to be when you don't walk…you waltz over your new threshold.

My experienced team of real estate colleagues will ensure that you have the best experience possible in choosing your new home and coordinating the purchase with our investor. Their many years of experience and specialized knowledge is the best insurance that you will get the home that is right for you.

You Are Not Alone

What this means to you is that Washington Lease To Own LLC, our expert real estate licensees,  our investors, our mortgage lenders, our credit consultant, appraisers, escrow officers and everyone else involved…

Will Take You Step-By-Step Through Your Own,
Personal Blueprint To Success

This is so easy on you in fact, that the hardest part for you is to pick out the home you can afford, and then sit back and wait for the home to close, pick up your keys and start moving your furniture into your new home! No kidding…it really is that easy. (Men, get ready to move that couch around several times, because we know how the wife changes her mind.)

Unquestionably you can already see why my secret program is causing such a dynamic sensation among families in Washington State. It's the "secret path" that virtually no one knows about. But the word is rapidly getting out to families that need my program.

If you've been turned down for a mortgage, you can see the tremendous advantage our program has to offer you because…

You will never encounter the fears or worries of your credit being turned down. Listen: I'm not trying to beat a dead horse here by repeating myself, but it is so exhilarating to know that having good credit is not necessary to enter this program…because you can have the confidence that someone believes in you and is giving you a second chance.

Let me repeat that here - we believe in your dream to own your home! And your current credit, absolutely, positively, 100% DOES NOT MATTER to get into your home! Because once you are in your home, we will show you the short cuts to better credit.

You have someone you can finally trust to assist you in getting your credit re-established…because your credit improve is so vitally important, we don't trust just anyone to handle your mentoring. Your mentor, Mary Jo, has over 26 solid years of helping people just like you get their credit re-established.

What this incredible advantage means to you is that your life is about to be rapidly advanced, because Mary Jo shows you how to take control of your credit, and how to restore it quickly.

What this ultimately means to you is that while your family has been living in the home you've chosen for them, your credit is being forced into gaining strength every month, because we teach you how to play the game of credit improve…in effect exterminating the painful learning curve of trying to figure it out on your own!

You will be able to relax knowing that you don't have to stress over the details, especially the nightmarish worries and monster headaches over things like high interest rates, or having to come up with the money for things you never saw coming. Ugly things like…mortgage origination fees, and that dreaded large down payment. Not to mention closing costs and a bundle of other junk fees.

You don't have to come up with any of that cold cash, because all that high-stress junk will be taken care of by us, freeing you of sleepless nights of wondering and worrying if you will be accepted! Because in our program, if you can afford the payments on a nice home…

I Will Appoint One Of Our Investors
To Buy You The Home You Pick Out!

You will have the astonishing advantage of one of our investors coming to your rescue and working on your behalf, leveraging their own great credit for you...because this totally eliminates the need for your credit. Say goodbye to the fright of your credit letting you down - now you will have the confidence and leverage of allowing a gracious investor to fill the "bad credit" gap for you.

We will leverage the investor's fantastic credit on your behalf. This is one of the unknown secrets I use everyday. Is it now becoming clear how my program opens a brand new window of opportunity for you to own a home?

No painful paperwork hassles! There is no need to collect mounds of paperwork to enter this program because our investor will be responsible for all of his own paperwork…saving you hours and hours of painful research digging through past records.

The only paperwork you will need is to fill in my simple and easy information sheet. You will need to provide proof of income, as well as the time of your employment and a credit report. But remember…the credit report is only so our credit consultant knows where you are starting.

Don't sweat over being self-employed, newly employed, just relocated, or change of jobs. Many of our current clients are self-employed, and need the time to get their business up and running. Lots of people are relocating to Washington because jobs are plentiful here.

Look, have you suffered from a foreclosure - bankruptcy - repossessions - co-signer - medical bills - liens - judgments? All of this can be overcome with diligent work.

And none of this matters when getting into the home of your choice, as long as you are ready and willing to take personal responsibility for your past actions and for your future success, and are committed to "following the rules" of our second chance program! In our program…

You Do Get A Second Chance
For A Brand New Life!

We have filing cabinets bursting with amazing stories from families that have overcome all the same obstacles you currently face…but only after they moved into their home! That's the secret formula - we buy you the home first, and get your credit restored secondly.

We rip right through the traditional demands from a mortgage company, buy you a home, and then show you how to take explosive action to correct your credit problems.

You don't have to stress over any of your past credit problems, because every investor we use already knows you have credit problems and are eager and willing to help you.

With our investors armed and ready with the knowledge of your past, there is:

…No need to wait all those years until your credit is good enough to buy a home. Imagine moving into your beautiful new home in only 30-45 business days after our investor is assigned to your home!

Listen, every day you do not live in your new home is a wasted day, because today is supposed to be the day that you snatch back possession of your life.

…No reason you can't go from having very poor credit, like Chapter 7 bankruptcy, to 100% financing, with the potential of having Grade A credit in 2 years or less! And no, that's not a misprint!

While enjoying the luxury of living in your home, you will also enjoy knowing that there is a plan in place to make sure that you never have to face the future with bad credit. Your only job at this point is to take ownership of your life, and be committed to our credit consultant to get your credit issues taken care of.

…The freedom and pride of home ownership, the respect of family members, the awe of coworkers! This is how our homeowners feel because they have found The One Program, with the right people that truly do care about them and their families! (Your self-esteem will blast off to new heights because you won't be facing the terror of the unknown future, and you will be working the plan to change everything.) This is where many of your friends and co-workers will envy you, because you now possess what they only dream about.

And just like all of the other families we've helped, you will live in a great neighborhood and…

You Will Regain Control Of Your Life!

You can see why my program is causing such a sensation among families all throughout Washington State!

They're living all around you at this very moment, and you didn't even know it.

There Is A Bad Side To All This. WARNING:This does involve some math. I am going to use a representative county in Washington State to show you what I mean.

Statistics from the Northwest Multiple Listing Service for the three years from 2004 to 2006 indicate a rise in the average annual sale price for a home in Kitsap County of approximately 32.7% or from $255,597 for CY2004 to $339,236 in CY2006.

You see…home prices in Washington are quickly outpacing the average families household income and making homes less affordable. In other words, house prices are going up faster than your income! A lot faster! How much faster? You may have heard that there was a housing slowdown in home prices. According to statistics taken form the Northwest Multiple Listing Service the average price for a closed sale in Kitsap County still rose 9.1% The "slowdown" was due to the fact that the year to year increase for the same period in 2005 was 21.7%! What will it be in 2007? Who knows, but the odds only move to your side for the long term when you become a homeowner.

How much of a raise did you get last year? How about the year before that? According to the U.S. Census Bureau the Washington's per capita income in 2002 was $32,677. In 2005 it rose to $35,409, an increase of 8.4%

Stay with me here…this is very important to you!

Over a 3 year period home prices rose a combined 32.7%. But, the average personal income only crawled up at a humiliating average of only 8.4 percent over the very same time period! Disturbing, and in fact, it is serious enough to be dream crushing to those that want to own a home.

Let's see why: a pathetic average of only 3 percent rise in household income, compared to a brutal 10.9 percent increase in house prices…means that you are losing the home owning battle by a nightmarish 7.9 percent. Every year.

Or in other words home prices in Kitsap County are rising 3 times as fast as the increase in per capita income for the State of Washington.

Your American dream of owning a home is rapidly being stripped away from you, and is becoming as real as a puff of smoke.

If you don't want to use my arithmetic, click here Kitsap real estate income and home prices and see for yourself!

And if you are in a household earning less than the median income, you are on a very short string if you are ever to be able to own affordable housing, especially in neighborhoods that are safe for your children.

To delay buying a house for your family is home suicide. Every single month that you wait will buy you less of a home for your money. This delay to buy a home is…

Killing Your Chance Of Owning A
Nice Home For Your Family.

It is such a huge mistake to procrastinate! Let me drop into your lap a powerful revelation here - Buy a home now, or risk the chance of never owning one. I shoot so straight sometimes it may hurt. It truly is that urgent! Every day you wait literally sucks the lifeblood out of your home ownership dreams.

Here's how I can help you right now: My team of professionals is ready to assist you in your journey towards credit improvement, homeownership, and life rejuvenation. I will review your current financial situation and determine how much of a home you can qualify for in today's market.

My realtor team members will help you choose a home that fits your needs and is within your financial abilities. When you have chosen a home that fits, I will assign an…

Investor To Buy You The Home You've Chosen!

We will secure your home with a two year Lease Purchase with the Investor, and we will FREEZE the price of the home so that it doesn't continue to explode at an unreasonable rate of 10.9 percent! You will know exactly what the home cost will be to you, and it can't go above that amount for the next 2 years. Locking in the price, therefore locking in your future success. It's in the vault!

We will work aggressively with you to make sure your credit becomes restored as rapidly as humanly possible, because in as little as 12 months of timely monthly payments from you, you can qualify to re-finance the home out of the investor's name, and into your name.

The beauty of it all: Your investor simply becomes your temporary bank until we can get you a conventional mortgage. And more than just a bank, he is your investor…he invests in you! He gives money to others…for you. He pays on your behalf, when you can't pay on your own. He invests his great credit score into you, leveraging it…investing it on behalf of you. He invests into you so much, that he literally absorbs all the risk. There is no risk to you at all - all the risk laid upon his shoulders.

I really hope you can see the awesome role our investor plays in your life.

Nobody can predict the future of how quickly house prices go up. They may not jump this much in the next two years, and they may skyrocket even higher.

Either way, here's some fabulous news, and a way to use this news as ammunition to your advantage!

Here's how: The difference between the frozen price you lock in, and the rate that a property goes up in value…commonly called appreciation…this difference stays with the home when you refinance. Your new house becomes…

The Greatest Savings Account
You Will Ever Have!

Now we've taken something that was working powerfully against you, and have now turned it around into a weapon of amazing wealth generation for your family! This is NOT a pipe dream!

The very thing that was eating up your chances of owning a home (like a ravenous beast) can now become (for you) the very strategy that has created more millionaires than any other strategy in the business world. Want to turn your life completely around? Learn how to make my program work for you! Become a student, then a teacher, then a master!

We are offering you a fresh start. It is imperative that you realize this opportunity for what it is. This is your one best opportunity to select a home, freeze the purchase price and begin rebuilding your life.

But you must hurry.

Even a few months time is almost guaranteed to dig out a much deeper chasm between you and the dream that you have of owning a home. We care about you and are eager to help, and we feel that you deserve a second chance.

However, it is exactly that - a second chance. This is all about a proper attitude. You do have a job to do, and you have a lot to learn. We expect a lot from our clients. Therefore it is imperative that the habits of the past be broken, and thinking patterns improved.

Payments must be made on time, and the home must be maintained as if it is your own home - because it is, and because it has been purchased for you. We also expect you to develop a successful "buyers" mindset and not stay in a renter's mindset.

I know you are very excited to get started, and are willing to take this decision very seriously. With home values skyrocketing…

This May Be Your Very Last Opportunity
To Purchase A Home.

None of us want to see you miss out on getting into a home, and changing your life. And with our program, we provide all the tools needed for you to have the…

The Biggest Bargain Of Your Life!

Here's what I mean: Let's use an example…let's say that you want to buy a modest $200,000 home and you have credit strong enough to qualify for a mortgage.

Here's what you need financially to buy this home: you need to come up with a down payment of 5 percent (that's $10,000), and have money for closing costs at 2 percent of the total loan amount (that's $4,000), plus mortgage origination fees totaling 1.5 percent of the total loan amount (that's $13,000) and some "junk" fees that they always charge totaling an additional $1,000.

Let's quickly add it up. $10,000 + $4,000 + $3,000 + $1,000 = $18,000 cash out of your pocket to by this very modest home. And trust me when I tell you that this is a very best case scenario… assuming that you have fantastic credit, and the knowledge base to catch any additional fees.

It would most certainly cost you a lot more depending on your credit, and your lender!

But In My Program We Pay All (100%) Of Those Fees, Plus…

We Watch Your Back!

You won't have to pay any of those fees to get into your home.

Well, given these claims, I don't blame you at all for being skeptical…in fact, I WANT you to be skeptical! And if you are not skeptical at this moment, I insist that you stop right now…take a moment to ground yourself, and look at this with a critical eye. This is your future we are talking about here. It's also my integrity at work here! Eyes wide open, please.

At first glance my program does seem to be too good to be true. I covered that earlier, but people have legitimate concerns that a program like this even exists. So did I. I fully understand your concerns, and sympathize with your skepticism because…

It Is A Scam Ridden World!

So, you know what? You should be skeptical! I'm a skeptical person myself. And you do have to be substantially more careful now than ever. With crooks and scam artists at every level of modern society, it can sometimes feel like a "crap-shoot" trying to find someone you can trust.

After all, it's not just your hard-earned money at stake here! More importantly, it is the roof over your family's head! And I know that you and I are in agreement that we can't overstate the seriousness of that. I understand that you can never be too careful these days. And that's why I've allowed others to speak on my behalf. And of course, I'm registered with the BBB and have a fantastic record. You only get fantastic records through the BBB by doing what you claim.

It's also why I am going to remove all of your risk of doing business with me. I will get to that just a little later.

But first, as you will recall, I told you from the outset that I'm a straight shooter. So let me go ahead and tell you that we are not for everybody. In fact…

There Are Only Two Kinds Of People
I Can Not Help:

1) Those that can't afford the payments on a nice home, and
2) Those that don't see the value of trading their current life for a better one.

I will quickly cover each one:

Families That Can't Afford The Monthly Payments On A Nice Home. Listen carefully: Under NO circumstances do I want you to misinterpret this…the lack of income DOES NOT in any way mean that I don't want to help you. Not at all! If you have very low income, I truly wish I could help you. However (and unfortunately) as we've already discovered, with the prices of homes going up every year at astonishing rates, we just can't help families that can't afford a bare knuckle Minimum Of $1,400 for a monthly payment.

So for clarity's sake, we unfortunately can't help those that can't afford to pay at the very least $1,400for a monthly payment. This means that you must have at the very least $4,200 of income every month. The more a family can afford for a monthly payment, obviously, the more of a home we can purchase for them. Traditional mortgage banking dictates that you can have up to 1/3rd of your income committed as a monthly payment for a home. (For example: if you have a $5,000 per month income divided by 1/3rd means you can have a monthly payment of $1,666 per month.)

Those That Don't See The Value In Trading Their Current Life For A Better One. We are about much more than just changing your housing situation. We are about changing your life's situation through accountably, credit consulting, and better thinking. Those that don't see the importance of this process (and believe they can keep doing what they are doing and somehow get different results) won't work well in my program. To have a better life, you have to do better things.

"Never be afraid of changing who you are, for whom you can become."

I told you from the outset that I shoot straight.

Ok, now that I have that out of the way, let's get back to showing you how I can help you. Here we go.

So the question now is, "When can I help you?"

The answer is, "When you are ready." How will you know when you are ready? Keep reading…

You Are Ready If And When…

You Are Ready For A Step-By-Step Process That Actually Works for fulfilling the natural deep-seated desire to feel secure and own a home. My step-by-step program delivers because it is systematized, and because we provide the absolute best opportunity for you to own a home in Washington State for you when you can't qualify for a mortgage.

You Want A Straight Up Honest Solution that works for your family when you take it seriously. That's right, this program becomes jaw dropping for your family when you take it seriously, because when you have the right mindset to own a home you are already 90% successful.

You Want All The Details, And When You Have Become Bent On Providing A Home For Your Family. When you are ready, you are the kind of family that I am looking to help!

When you decide to take this program seriously, and will not have anything less than a home for your family…when you decide to move forward quickly, decisively, with full commitment to your own success…then you are ready.

You See The Value In Having Us Personally Involved In Your Success! Listen, you know as well as I do that no one lives up to their potential on their own. Not me…and not you, because the truth of the matter is that none of us even finished High School without the pressure of having to take a test every six weeks.

When You Are Willing To Take Advantage Of The Opportunity Staring You In The Face. I think we've all missed out on an opportunity that we wished we had taken advantage of. I look forward to helping those of you that can see this opportunity as the solution to get your family into a home. And have taken a stand, and are not willing to let this opportunity pass you by.

Have You Ever Said, "If Someone Would Just Give Me A Second Chance, My Life Would Be Different!" If that is you, then this is your dream come true. Just like the thousands of others that have transformed their lives through this program, you can own a home…because that is what we are about…second chances.

You Have Decided To Become Honest With Yourself, And Have Stared Yourself In The Face While Looking Into Your Bathroom Mirror, And Have Decided To Accept Personal Responsibility For Your Own Life…That's When You Know You Are Ready! I have a slew of clients that fulfill this beautifully.

This is why I do what I do…because I truly want to help those that are ready to change themselves, and their new home is just a reflection of their dedication to themselves. I love this kind of client! Heroes are made right here!

I could go on and on, but…

Here's what to do next: If you've gotten this far in my letter, I know you are very serious about taking charge of your life, and are ready to own a home of your own. So, go ahead and fill out the information below and someone in my office will contact you very soon.

But you must hurry. I'm getting deluged with families from this hyper-generous offer. And I will keep this offer available only as long as I can easily handle the response.

Shutting down my program again is a very real possibility. And quite frankly, it may be just a few days away because I can only handle a certain amount of clients before I just can't take anymore. It was spring of last year that I had to shut it down. It would be a shame for you to miss out.

I am well known in the community, and I protect my reputation like a bulldog protects his home. That's because I've worked so hard to build trust, and develop the relationships that have earned me the respect of people here in Washington State, as well as across the country. I will earn your respect as well.

I know how difficult it is to find real, honest expert help like this. Look, the likelihood of a person willing to take a chance on you is not going to come by everyday. Especially when it comes to spending literally thousands of dollars on your behalf!

For example: One of our investors just wrote a personal check for $21,000 (that's TWENY ONE THOUSAND DOLLARS!) to give a family just like yours a second chance at owning a home, and granting them back the control of their lives.

And that money doesn't include the new mortgage the investor went into debt over to buy this family their home. That's what my program is all about…helping you regain control of your life! We will spend a serious amount of money on you to put your family into a home you choose.

So, what's this program going to cost you?

Let me shoot straight with you one more time. There is a fee to enter my program. And here's great news…it's usually less than re-renting.

What this means to you is…for less than relocating down the street into a nice apartment, you will own a home. I don't hide the fact that I require a fee upfront, nor do I put it into small print that you can barely read.

Why do we take an upfront fee? Because this is a business, and because we deliver to you the highest quality credit consulting anywhere, and because we will be absorbing immediate administrative costs to put people to work for you. Plus, this ridiculously small fee shows your commitment to our investors and us. It also shows that you are willing and determined to change your life, and you are willing to put your money where your mouth is.

If your intent is to move, then use that money to own a home for Pete's sake! (Change that to…"your family's sake!") And someone in my office will gladly talk to you about that when you fill out this form. I won't take the time to address the actual cost here.

However, I will say that if this small investment into your own life doesn't make sense to you, (despite the fact that we will spend 10 times that, or even more), then we both know you are not ready for my life-changing program.

If you aren't ready for what I offer, that's fine. My program is so out of the "mainstream" that only the lucky families who already own their homes know how great it works.

I am not out to convert you to anything. I am out to share the proven secrets that no one else has the chops to deliver.

But Wait…There's More.

And speaking of chops: I ask a lot from my clients and it's only fair they ask the same from me. So I want you to know that I too am willing to put my money where my mouth is. I personally guarantee you that you will get a home through my program, and that you won't risk a penny. And I believe in my team so much, that I am willing to reverse all of your risk. What that means to you is that…

I WILL PERSONALLY TAKE ALL THE RISK!

And I'm going to spell it all out for you right here. If you are not cooking meals for your family, bathing children in the tub, and sleeping in your bed inside your new house within 6 months of entering my program, I WILL PERSONALLY REFUND EVERY PENNY OF YOUR PROGRAM FEE. That means I will strain money out of my own family's account, and give back to your family what you've lost.

But That's Not All!

I'm so convinced I can deliver the goods, that even if I do refund your program fee…

WE WILL CONTINUE TO WORK WITH YOU…
AND WE WILL STILL BUY YOU A HOME!

You can't lose there, now can you? Your money back, and you keep using my services. I will not give up until you have what you came to me for. You WILL own a home through my program.

Now, you will be glad to hear that most of my clients find a home within just a few short weeks. And you too (I'm sure), will be one of those that have the commitment and focus to decide on a home within 2 weeks of entering my program.

Don't wait on this, however. We will buy you a home…but only of if you act right away. You snooze, you lose.

So don't screw around. Fill out this form today, right now, while it's still hot in your mind. And prepare to have your family give you a hug for getting them a home…and for your entire world to change forever. It really is that powerful.

Let's buy you a home,

Kamal Dallal