Mortgages 101: What Your Loan Officer Never Told You

Over 100 Mortgage companies have closed in the last year. Foreclosures are at an all-time high and will continue to rise. The Mortgage Crisis continues to put the US and Global Markets under strain. Who's looking out for YOU? How does all of this affect YOU, Your Home, and Your Mortgage? These questions and much more are answered while Certified Mortgage Planner Samuel Melvin guides you through the mortgage maze. You will learn

        ● An insider's view of the current housing and real estate market

        ● How the current market affects your mortgage interest rate

        ● How your mortgage can be your friend and not your enemy

        ● How to maximize cash flow and create wealth

        ● How to improve your credit rating and borrowing strength

        ● Leveraging strategies used by the wealthy

        ● Learn the benefits of Mortgage Planning

        ● Defensive Measures YOU should take NOW

Cost $29            S. Melvin

7:00 pm – 8:30 pm

Tuesdays:

NC 500 0764      6/10

NC 500 0777      8/5

The Ins and Outs of Reverse Mortgages

With the growing senior population, Reverse Mortgages have become a viable option for senior homeowners as part of their retirement plan. Certified Mortgage Planner Samuel Melvin will guide you through the ins and outs of Reverse Mortgages by discussing:

·         Basic features of the Reverse Mortgage

·         The differences between regular mortgages and Reverse Mortgages

·         Common questions about Reverse Mortgages

·         10 Most Common Myths of Reverse Mortgages

·         Most common uses of the Reverse Mortgages

Come learn how the FHA-insured Reverse Mortgage can enhance your retirement plan. This class is designed for senior homeowners and/or their responsible loved ones, financial advisors, and attorneys.

Cost $29            S. Melvin

1:30pm – 3:00pm

Wednesdays:

NC 500 0781      6/18

NC 500 0412      7/16

Missed Fortune and Last Chance Millionaire

Financial independence. Wealth empowerment. Millions of people dream about it, but few achieve it. Why? They follow the crowd. If you're ready to stop doing what everybody else is doing...if you're ready to uncover the path to creating true wealth.....then you're ready to claim your "Missed Fortune." This is your starter kit to becoming a millionaire.

Developed by author and financial services expert Douglas Andrew, the Missed Fortune True Wealth Transformation is by no means a get-rich-quick method. The strategies are proven, yet not common knowledge. The ideas are not novel, but the approach is. The Missed Fortune True Wealth Transformation lays out principles that will free you from common money traps and empower your future. Taught by Certified Mortgage Planner Samuel Melvin, you will learn:

·         How to plan for YOUR retirement, not Uncle Sam's

·         Unless you want higher taxes when you're retired, you may want to rethink your 401(k), IRA or pension.

·         For more spendable income during retirement, find the right non-qualified retirement vehicles.

·         Pay now, play later. Find out now how to transfer up to hundreds of thousands of retirement dollars from qualified plans into non-qualified plans, without tax consequence.

·         Stop paying off your mortgage with extra principal payments. Any way you look at it, it's not the wisest or quickest way to financial independence.

·         Want an extra million dollars? Put your equity to work for you.

·         Develop your own P.L.A.N. (Perpetual Life of Asset Nurturance) to transform your life-and your family's.

Supply fee $10, payable to instructor in class

Cost $29                S. Melvin

7:00pm-9:00pm      Thursday (1 session)

NC 500 0414       6/26

NC 500 0417       7/31

Wealth Creation: Protect Your Family and Your Future

Having the right plan in place for your future and the future of your family is essential to building your financial future. And having the right documents in place to protect and pass your valuable assets on to loved ones will ensure that the government or attorneys do not become the heirs of your estate. Topics covered in this one-day seminar:

·         Alarming statistics about retirement, savings, and debt

·         How to start building Wealth Creation

·         How to create the perfect Wealth Creation Dream Team

·         How to pay down debt

·         Plan and save for retirement, and calculate and save for college expenses

·         Which documents are needed to protect you assets

Additionally, attend this seminar and receive a complimentary planning questionnaire to help determine the missing pieces and an overall financial review to help create a step-by-step plan.

Cost $29            S. Melvin

7:00 pm – 8:30 pm

Thursdays:       

NC 500 0424      6/19

NC 500 0445      7/17

NC 500 0456      7/31