The One Percent

Mortgage Solution:

FINDING MONEY YOU DIDN’T

KNOW YOU HAD

By Jodie Littleton & Photos by Steve Buchanan

Need some extra money to pay those holiday bills? Interested in passive income?

Perhaps you have seen the latest commercial for the One Percent Mortgage Solution™. A tuxedoed man rings the doorbell of a home in a nice community. A woman comes to the door and asks him to identify himself. He answers, “I’m Opportunity.” When she asks why he didn’t knock, he replies, “I have been.” The commercial segues to a shot of Opportunity using a sledgehammer to break holes in the home’s wall as the surprised and delighted homeowners discover that the walls are stuffed with $100 bills.

The commercial isn’t as far fetched as you might think. In the case of the One Percent Mortgage Solution™, opportunity comes in the form of Bob Hanson. A branch owner for a national mortgage broker, Hanson and his oldest son, David, specialize in helping consumers use their own homes to realize more buying power, lower monthly payments, and the cash resources for a more financially sound future.

If your home has experienced even modest long-term appreciation—as most homes in the area have—Bob and David can help you to harvest the equity that’s lying dormant in its walls and can show you how to use that cash to create positive cash flow and real wealth for your family, usually while lowering your monthly mortgage payment as well.

“The One Percent Mortgage Solution™ is the most powerful financial tool we’ve ever seen,” says Bob Hanson. “It allows you to use your mortgage today to create wealth outside your home rather than adhere to a theoretical plan to pay it off entirely over the next thirty years.”

“Right now there is a general concern that the real estate market is slowing down,” Hanson notes. “But the reality is that we went through several years when values may have been increasing by 15 percent per annum in some areas, but prices were increasing by as much as 23 percent in those same markets. Now a market correction is happening, mortgage rates have increased a bit, inventory has caught up with demand, and we’re seeing a lot of properties for sale with motivated sellers. But at the same time, most of us have seen a significant increase in the dormant equity in the walls of our homes. There’s never been a better time to put that lazy money to work outside our homes.”

Instead of holding fast to the notion that a thirty-year fixed rate mortgage is the norm— that a home loan that should be paid off as quickly as possible—the One Percent Mortgage Solution™ allows homeowners to capitalize on their homes’ increase in value. Owners can cash in on their home’s appreciation, sometimes reaping $100,000, $200,000, or more, and can use their newfound capital to fund investments, cover emergencies, or purchase income-producing properties. As those properties appreciate, the homeowner can realize positive monthly cash flow from their investment properties while at the same time pay less out of pocket each month on their own home’s mortgage. Simply by harvesting the equity in their homes—money that’s already there—homeowners may buy beach houses or investment properties and make money in the process. By using a similar low minimum payment mortgage on the new property, homeowners can own two properties for about the same payment they were making on one. If they rent one of the properties, they can have positive cash flow, which equates to more money in the bank and the ability to buy more real estate.

Hanson says that the One Percent Mortgage Solution™ works because the rules regarding mortgages have changed over the years. “Home mortgages are good for Americans and for the economy,” he notes. “With new and better rules of money come new and better mortgages. The primary difference is that it no longer makes sense to use your mortgage simply as a means to pay off your house.

You don’t make money in real estate by paying down your loan. You make money in real estate by controlling more real estate for the least amount of money out of your own pocket as possible, so that when your properties increase in value over time, you reap the benefit of that appreciation from a larger base value.”

In addition to helping homeowners realize newfound wealth, Bob and David Hanson also host a radio program, The One Percent Mortgage Solution™. Bob Hanson says that time and again the program features clients who tell in their own words of their personal success stories—people who end up buying more property while spending less money.

 “I had a man on the show recently who harvested $500,000 from his home’s dormant equity,” he says. “His mortgage payment went down, and now he has a half million dollars he didn’t have before. That’s a very significant amount of money that was just waiting in the walls of his house. Properly invested, that money can be parlayed into many millions of dollars. And again and again and again, we have people who refinance and buy more properties without spending more out of pocket. This is an ideal time to be harvesting cash from your property and putting it to work.”

Bob Hanson’s monthly column in Taste of the Bay alerts homeowners to the pitfalls they may face by sticking with conventional financing instead of letting their equity work for them.

“If people bought a home a few years ago, they have definitely seen appreciation,” he notes. “If they take out a home equity line of credit, which is the traditional approach for remodeling or covering other purchases, they will now have two mortgage payments and a significant adverse effect on their monthly cash flow.

With the One Percent Mortgage Solution™, they get the same cash out of their house, but their mortgage payments almost always are reduced from whatever their old first mortgage payment was before they took out the extra needed money. They go from having inaccessible dormant equity to having accessible cash money. And when they use that cash as a down payment on income-producing real estate, they have the benefits of leverage, monthly positive cash flow, and tax advantages.”

Hanson’s Web site, 1800GreatRate.com, explains the principles of the One Percent Mortgage Solution™ and includes archived articles and radio programs, loan and payment calculators, success stories, and links to recommended reading. “The One Percent Mortgage Solution™” radio program airs on WBIS Radio, 1190 AM in Annapolis, every Monday at 9 a.m., Tuesday at 10 a.m., Wednesday at 6 p.m., and Friday at 4 p.m. The syndicated show is also broadcast every weekday at 3 p.m. on WAGE Radio, 1200 AM in Leesburg, VA, with a range that includes Montgomery, Frederick, Howard, and Washington counties. Additionally, shows can be heard on 1800GreatRate.com and can even be downloaded to an MP3 player.

To learn how to put the money in your home to work for you or to schedule a free, no-obligation mortgage consultation, call Bob or David Hanson at 1-800-GREAT RATE (1-800-473-2872) or visit 1800GreatRate.com.

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