Dear Real Estate Professional,

I wanted to take a minute to write you and thank you for helping us find our dream home. We absolutely love our new four bedroom, two and one half bathrooms especially the large kitchen. Oh and I can’t forget about the two car garage. The neighborhood is awesome and we are only 2 miles from the Elementary school, can’t get any better than that!

The whole experience has been wonderful except today I received my bank statement. We have to make our first monthly mortgage payment by the 15th. I can’t believe I will have to do this for the next 30 years! With all the excitement over the process of finally finding our dream home we did not stop to really think about the debt we would be undertaking.

As you know for many of us homeowners our mortgage is the largest debt we will ever have.

Its not your fault for putting us in debt, we were the ones that signed the dotted line on this 30 year mortgage to the bank. Anyway my excitement quickly turned to a dull realty until the other day when I stopped by my local barbershop to get a haircut. My barber congratulated me on the purchase of our new home.

Then he asked me, what if you knew of a fast way that you could pay off that 30 year mortgage, without refinancing, without increasing your monthly mortgage payment, with little to no change to your current budget and using your CURRENT income…would that interest you?

Of course I told him “Yes” then he asked me,
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