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>My Big Fat Mortgage offers a free biweekly mortgage >and audit service. What can this service do for the >homeowner? Lower your effective interest rate, cut >years off your mortgage and save you thousands of >dollars with no enrollment or service fees. Our free >program is available to everyone, regardless of credit >history. > >The biggest objection to biweekly mortgage payment >programs is you have to pay an enrollment fee. If >you've searched the Internet, you've seen fees >anywhere from $99 to $350+. These fees are pure >profit. We've eliminated this fee. And we are not a >"no cost out of pocket" firm. These firms collect >their fees from your savings. What is wrong this that? >Fees collected from your savings reduce your savings! > >How does a biweekly program work? You divide your >current mortgage payment in half and pay that amount >every two weeks. If your payment is $800 a month, you >pay $400 every two weeks. You will make 26 biweekly >mortgage payment, or 13 monthly payments, resulting in >one extra payment a year. > >So, how does this save you thousands of dollars? >Sounds fishy, right? It works because of the way >mortgages are amortized. Your principal payment will >not exceed your interest payment for many years. When >you first start making mortgage payment, most of your >payment goes to pay interest, not your principal. The >extra payment goes towards your principal. You have >more equity in your house and owe less interest. > >If this is something that interests you, please note >our biweekly program is available by software >download. You enter you mortgage information and send >off the enrollment forms. No salesman will ever call. >As a bonus, after 6 continuous months of participating >in our program, you will receive a password to unlock >the audit portion of the software. You can check to >make sure your payments were sent in on time by us and >that your mortgage company credited your account for >the right amount and on the correct date. Why would >you want to do this? The FDIC estimates mortgage >companies makes errors in 50% of mortgages. > >Our program works with all lenders, even private >lenders. It works for all mortgage loans, commercial >and residential. > >This free service is available at >http://www.mybigfatmortgage.com > >Please note: our email is an autoresponder >acknowledging we received your email and will reply >ASAP.

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