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Show The Magna TimesWest Valley News, Business Mortagage holders lose money from lender The biggest investment most Americans will ever make is the purchase of their home. Now comes word that mortgage companies make errors on a whopping 50 percent of those loans. Those mistakes cost consumers an estimated Billion dollars a year. Gary Carter of Mortgage Express says that most homeowners are unaware of these mistakes. "Once you put it on paper, where people can see it in black and white, home- owners are shocked," Carter said. "People's faces go blank when they realize just 8-- . : ' these recently released how much money is at stake." . People who use free services offered by Morgage Express Fean see their savings immediately and, after 6 months of use, can audit their loan. And a lot of money indeed is at stake. Consider Statistics indicate that it is five-timmore expensive to acquire a new customer than to keep an existing customer. It makes good sense, therefore, to develop that will encour- After paying 15 years on your 30 year mortgage, youll still owe 90 percent of the amount you borrowed After paying nearly 24 years, you'll still owe over 50 percent You'll pay more than three times the amount you originally borrowed before paying off your mortgage On a conventional 30 year mortgage, you'll make more than 120 unnecessary payments Industry insiders like Carter do not recommend refinancing to correct the problem. "Refinancing is what the banks want you to do because they make money on the fees. Plus, you have to pay closing costs and appraisal fees. There is a understand the wants and nesses can pick up clues to needs that are driven by your our customers' personality customer's personality. that will enable them to Sue Martin, a certified speak their language. Color Code trainer, will introduce the Color Code The LEADS meeting .. personality theory to will be held at :30 a.m. ; .ChahnberWest members at at Amici's Della Cucina near the E Center. 3318 Thursday's LEADS luncheon, age customer loyalty. One way to do tht is to She will show how busi- - 1.Y Decker Lake Dr. 4 i es 1 1 . errors better way," Carter said. your loan, minimizing the risk of error. an need advocate People One of the big benefits to who will help them save is that you audit also the and paying money build equity at an amazirT 3 loan to eliminate problems. times faster than by paying The Mortgage Manager (TM) is a free service that monthly. helps consumers by converting their mortgage into biweekly payments, making payments easier to handle and saving interest in the process. The free software provided by The Mortgage "We were going to pay a company $395,000 Manager to design and host our Web site, but my (TM) allows son has agreed to do it for 8 year-olyou to audit a new skateboard. and track fig- ures. LEADS to learn how to crack the customer code April 25, 2002 9 d Business Directory To place your advertising, call . o 250-565- 6 ' Vfl 7 or to magwestxmission.com e-m- ail Over 33 years In business... roots, roots Professional Tractor Service Plumbing won't work? 7 We will! Wind Damage Call 10 Free Estimates 973-766- ROOFINGT& Tractor Tilling 1 iSPHALTIPAVIN ' 3 295-911- 967-766- 3 P R I T H - . V s I! I 6 Removal Pruning can 250-TRE- E FREE ESTIMATES t I'rjf loss! nevfspspsr! Clipping t & a I & nj'iiTf tf-UHere is what we can do lor you...Our spe- daily trained readers find and tag any press reference to your subjects. The artides are then mailed, faxed or you can utilize our new CD ROM service. 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