Why should you sell the Home Ownership Accelerator®

Why sell the Home Ownership Accelerator?

• You get an innovative new Unique Selling Proposition.
• The Accelerator is one of the best financing tools available to high-credit borrowers,
  especially those seeking jumbo loans.
• You could save borrowers thousands of dollars in interest payments.
• You don't have to sell solely on rate, breaking you out of the tough competition
  for rate-based traditional loans.
• You increase your rate of referral.
• Brokers already selling the Accelerator report a steady 6-10 referrals from each loan funded within 18 months.
• The Home Ownership Accelerator gives you a great value for:
• Past clients who could benefit financially from this innovative new cash/equity management tool.
• New clients who need a solid reason to switch brokers.
• Referral partners, who can add value to their client relationships by introducing clients to you and the Accelerator.
• The Accelerator is a proven concept, modeled after very popular programs offered in Australia, New Zealand and the United Kingdom for over a decade.
• Debt reduction and faster pay-off are a growing need among Americans.
• The Accelerator is by far the simplest, most flexible solution available for those people seeking more control and greater interest savings.

Attract more A-Paper Borrowers!
Mortgage brokers traditionally get a lower percentage of prime borrowers because every lender seeks their business. The Home Ownership Accelerator can move you to the front of the line for high-FICO client business. And if you think the Accelerator is a niche product for a select group of wealthy borrowers, think again. It's a very big "niche":

• 75% of the Nation's Home Owners are considered A-Paper borrowers
• The Average FICO score across the U.S. is over 700
• 27% of Americans have scores above 750
• 3 out of 4 owners make owning their home free and clear a primary financial goal

The Big Niche of good-credit borrowers is also looking for fresh solutions.

• The cost of living in retirement is not much less than during working years, and:
• Social Security benefits and pensions are no longer reliable long-term financial options
• 86% of Americans are counting on home equity to support them in retirement
• 41% of Americans have saved less than $25,000 towards retirement
• 90% have saved less than $250,000
• Mortgage debt increased over 60% between 2000 and 2005.
• Home owners now owe an astronomical $11 trillion on their mortgages.

Help your clients make more progress towards long-term goals by breaking out of their bad old home loan habits:

• Borrowers incorrectly focus on rate. Teach them that rate, balance and term equally affect their total interest cost. The Home Ownership Accelerator works on all three.
• Most borrowers refinance every 5 years, resetting the 30- or 15-year clock.
• Refinancing delays repayment, stretching loan term well into retirement!
• The Accelerator offers a long-term financing solution that will eliminate the need for most clients to refinance.
• Borrowers count solely on property appreciation to build equity. Teach them to hedge their bets by aggressively reducing what they owe to build equity in good and bad markets.

Build your referral business!
Finally, if you think that selling the Accelerator will cut you off from future business from your happy clients, consider this:

• Referrals are the true source of business success for mortgage brokers.
• Does 6-10 referral loan from each loan funded sound good?
• Does your conventional loan business create such a strong referral pipeline?
• Happy customers refer more people. Few loan customers are happier than the ones you place in the Home Ownership Accelerator.