One Percent Mortgage Solution™

By Jodie Littleton

Suppose the walls of your home were stuffed with money: twenties, fifties, and hundreds tucked behind the paint and paper, straining to get out and into your hands. Well, if you own a home that has appreciated in value, that picture isn’t as far-fetched as it sounds. But keeping that money inside the walls by paying down a traditional mortgage could be costing you a fortune. What if you could keep your current home, buy a beach house or investment property, and MAKE money in the process? A call to Bob Hanson can show you how to do just that, and can help you to make a fortune instead of spending one.

For years, Hanson has helped homeowners realize that there are options to the traditional 30-year fixed rate mortgage. A branch owner for a national mortgage broker, he and his oldest son, David, specialize in the guaranteed One Percent Mortgage Solution™, which gives the consumer more buying power, lower monthly payments, and the resources for a more financially sound future.

“The One Percent Mortgage Solution™ is the most powerful financial tool we’ve ever seen,” says 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.”

According to Hanson, the rule that applied for our parents and grandparents—that mortgages were only a means to pay off a house… and the sooner the better —doesn’t apply in today’s real estate market. Homes in the Annapolis area appreciated more than 25 percent last year, and a typical mortgage doesn’t allow the homeowner to capitalize on that increase.

Hanson’s approach, however, allows people whose property value has increased to cash in on the equity lying dormant in their homes and to put it to better use growing their wealth portfolio. “Home mortgages are good for Americans and 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.”

With the One Percent Mortgage Solution™, Hanson says, homeowners can often harvest $100,000, $200,000 or more from the dormant equity in their homes—like money that’s stuffed into the walls, unable to do any good until it’s unleashed. That money can then be used as a deposit on a new vacation home or investment property. By using a similar, low minimum payment mortgage on the new property, homeowners can own two properties for about the same payment as they are 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.

“Often,” says Hanson, “our clients are able to harvest that money from their homes with no change in their mortgage payment. Frequently their payment even goes down. We can show you how to get money out of your house to use elsewhere without increasing your payments, and the One Percent Mortgage Solution™ is the only vehicle we know of to accomplish that.” That guaranteed minimum payment also translates into greater buying power for the consumer. A buyer can usually purchase a $500,000 home for a smaller monthly payment than a $300,000 home would command if financed through a typical 30-year fixed rate plan. The lower payment combined with the ability to harvest dormant equity means greater power to buy more property, finance college educations, or even to purchase a boat. Using a mortgage wisely can also create greater financial security. “The difference between someone who makes takes out a typical mortgage to someday maybe pay off the house and someone who takes out the right mortgage and uses it as a financial tool to create wealth outside the home can mean the difference between just getting by in retirement and being able to live lavishly,” Hanson explains.

“Also, with such great appreciation on homes in the area, people think they can’t get their money out without selling,” Hanson notes. “Our plan lets people stay in their home, harvest their equity, and use it for other things.  Frequently they’re able to buy more property, which will only appreciate along with their homes.”

Hanson’s web site (www.MinPayment.com) explains the principles of the One Percent Mortgage Solution™ and includes handy loan and payment calculators, recorded client testimonials in their own words from many who have profited from this financial strategy, helpful articles about harvesting your home’s dormant equity, and links to recommended reading. In addition, Bob and David Hanson host a weekly radio program, “The One Percent Mortgage Solution™,” which airs on WBIS 1190 AM in Annapolis from 4 to 5 p.m. on Wednesdays and again from 9 to 10 a.m. on Mondays. The show is syndicated and also airs four times a week on WAGE 1200 AM in Loudoun County, Virginia.  Their new television commercial illustrating cash literally pouring from the walls of a home begins airing this month on FOX 45 and FOX 54.

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

1-866-MIN-PAYMent (1-866-646-7296) or visit www.MinPayment.com.

(c) 2006 One Percent Inc.

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