The Guiding Light
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The Guiding Light

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EARN AN INCOME YOU CAN BRAG ABOUT WITH YOUR OWN HOME-BASED BUSINESS! MONEY BROKERING, REAL ESTATE OR CREDIT BUSINESS!

We can provide you with every program you need to earn up to $200,000 Per Year or more, in your own Home-Based Business!

America is still in the land of opportunity for those who truly want it and seek after it!!! We can provide you with complete details, plus much, much more!

Enroll in one or more of our Membership Programs Listed Below:

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The Professional Broker Program

  • The Professional Broker Program - This program is designed to operate with a minimum out-of-pocket expense; all you need to get stated is a telephone, an address, the cost of running a small classified ad,(or free classified section)the cost of a few business cards, and The Professional Broker Program. Only $110.00

Program Package Includes:

  • Lender Directory.
  • Easy to follow Manual Of Instructions.

You Will Also Receive Samples Of The Following:

  • Letters
  • Advertising
  • Documents
  • Applications
  • Forms
  • Agreements
  • Brochures
  • Plus much more!

Everything you need to know to earn the kind of money you have always dreamed about - but never thought possible!

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The Residential Broker Program

  • The Residential Broker Program - (You will learn how to pre-qualify loan requests in only a few short minutes!) You will be able to arrange your own financing and save! You will learn to process loan requests that are in the greatest demand in every state today! And now you can do it with no license and no experience! Only $140.00

What kind of Financing can you arrange:

  • First and second mortgages
  • Condominiums
  • 15 or 30 year fixed rate loans
  • Up to 95% loan-to-value financing
  • Adjustable rate mortgages
  • Refinancing existing homes
  • One to four family homes
  • Residential - owner occupied
  • Residential - non- owner occupied rental properties
  • Loans for the purchase of foreclosed properties

Yes, now you can arrange residential loans without a license and without experience!

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The Credit Solutions Program

  • The Credit Solutions Program - We will show you how and where to get a free credit report, how to repair your credit, secrets in helping you get approved for your card, how and where to consolidate your debts, & Much, much more! Only $44.00

BECOME A CREDIT CARD CONSULTANT! 

Earn $50,000 - $75,000 PER YEAR
PART-TIME FROM YOUR KITCHEN TABLE!

YES, you can earn a great deal of money by providing this much needed service to individuals in your community.  You'll be an absolute "dream-come-true" and your only business will be showing individuals how and where to obtain the best deals in credit cards plus many other valuable credit secrets.

It's True!!

Yes, you can qualify to get a major bank credit card even if you've had bad credit, no credit, low income, are concerned about employment status, marital status, age, etc.  You can obtain a major bank credit card with credit limits from $250 to $5,000 per card.  A savings account (for collateral) may be needed. In today's society, credit cards are almost a must when cashing a check, making a hotel reservation, renting a car, caught short on cash, and establishing a credit history.

Unsecured Major Bank Credit Cards!

Yes, you read that right!  Unsecured Visa's and MasterCard's are now available for people who have had bad credit or no credit at all!  In most cases, a secured credit card applicant would have to deposit $300, $400, $500 in a savings account for collateral, which may be hard to come by. But today there are several banks across the country which do not require a security deposit in order to obtain approval.  This makes it easy to qualify for and very affordable!  Use this card as a stepping stone to establish credit and after a period of 6 to 12 months, banks will generally increase your credit limit.  This is an excellent way to build a credit line and enjoy the benefits of good credit!

Guaranteed Approved Credit!

These firms offer pre-approved instant credit with credit limits of $2,000 to $5,000 per card ... no qualifying, no credit check, no one refused!  You will receive an exclusive list of 5 merchants that offer their own in-house credit cards (Merchant Cards).  You will obtain instant credit from them and you can purchase $10,000 in name brand merchandise such as computers, household goods, T.V.'s, VCR's, tools, toys, and the list goes on. No one will be turned down!

Rates as low as 4.75%!

Most bank credit cards charge from 13% to 18% interest per year.  Our exclusive list of banks offers the lowest interest rates in the nation.  You can get a major bank credit card with introductory rates as low as 4.75% and standard rates in the 9% range.

What you get in the "Credit Solutions" program! 

  1. One sample "Credit Solutions" book.  (This is the "product" you offer your clients, containing all the sources of banks, including unsecured Visa's and MasterCards with up to 95% approval rating!  Also, you'll learn how to repair your credit file like the pros!  You will also receive information on microloan sources especially designed to help applicants who cannot qualify for a traditional business loan because of poor or lack of credit, and little or no collateral.)

  2. The "Credit Solutions" marketing manual.  (This state-of-the-art marketing manual contains all the necessary marketing tools to start your business immediately!  The manual contains sample classified and display ads, a sample marketing brochure, profit examples, and much more!)

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The Mortgage Minder System

  • The Mortgage Minder System - You'll be an absolute "dream-come-true" and your only business will be helping people save money on their mortgage payments. Only $49.00

The average homeowner can
SAVE AS MUCH AS $70,000 ON A HOME MORTGAGE

Without refinancing, qualifications, appraisals, credit checks, or real estate fees...
AND YOU CAN SHOW THEM HOW!

Help Yourself And Others Save Money!!

How much will homeowners pay you to learn how to save thousands of dollars over the life of their mortgage? YES, you can earn a great deal of money by providing this much needed service to the homeowners in your community. You'll be an absolute "dream-come-true" and your only business will be helping people save money on their mortgage payments

It's Time!!

Yes, it's about time that Americans put their hard earned money back into their own pockets instead of feeding our gigantic financial institutions. Look at the high-rise banks and finance companies all around you. They have reaped the profits of interest year, after year, after year! Now it's our turn! Yes, now you can show homeowners how they can keep a good portion of their money instead of giving it to these financial institutions, and you will get paid and rewarded dearly for providing this kind of information to your clients.

The Secret Is Out!

The unrevealed bankers secret is finally out and there's been a great deal of talk in the media about mortgage acceleration and bi-weekly payment programs. With this little known information that you will provide, the average property owner with a $100,000 mortgage can save as much as $70,000 on interest over the life of his loan. All of this is accomplished without refinancing, without qualifying, without appraisals, without credit reports, and without any real estate fees.

Month after month the ritual continues and at the first of each month the homeowner writes a check to the bank, 30 years and 360 monthly payments later, they finally enjoy the satisfaction of actually owning their own home.

Suppose they take that monthly payment, cut it in half and make this half payment every two weeks? It will absolutely surprise you when you discover that this simple action alone can reduce the life of a mortgage by up to 10 years, or more.

Here are some examples of savings that can be realized over the life of a mortgage:

Loan amount of $150,000
Loan amount of $100,000
Loan amount of $60,000

Save as much as $120,000
Save as much as $70,000
Save as much as $49,000

The Perfect Home-Based Business!!

It's the best business opportunity you can get into and the time is just right! This opportunity has no seasons or boundaries and can be done any place in the United States with no special license required. Now you can operate a "service business" right from your own home by being our agent and showing homeowners in your community how they can save these thousands of dollars. Every homeowner can benefit from this "bankers secret" and will pay you handsomely for learning the secrets of obtaining these gigantic savings. You need absolutely no experience since our "state of the art" marketing program will bring you hundreds of orders requesting this information and you can get started immediately with nothing more to purchase. Take advantage of this program for your own mortgage and savings! As our agent you will be filling orders that come directly to your address, for The MORTGAGE MINDER SYSTEM which reveals secrets of gigantic savings on existing mortgages, as well as other monthly installment loans such as cars, boats, motor homes, etc.

It's Your Decision!!

You can continue to buy the "fly-by-night" unproven ideas and send $10.00 or $12.00 on "get-rich-quick" schemes that promise you millions of dollars with absolutely no background, and receive nothing but unproven ideas and schemes, or you can take advantage of an absolutely sincere business opportunity of the decade and commit yourself to achieve true financial independence with one of the most sought after exceptional business opportunities offered today and you will WORK DIRECTLY WITH OUR COMPANY. We are looking for a few good sincere agents who can provide this much needed information to the homeowners across America, and thereby give you the opportunity to achieve your goals and financial independence.

Start Immediately!!

Our company, will provide you with all the necessary information to get started immediately and you can start earning money immediately! Regardless of your position now, you can discover the personal financial freedom waiting for you in this unique "service business" opportunity today! Within 2 weeks of receipt of your MORTGAGE MINDER SYSTEM kit you can start receiving hundreds of dollars in orders and all you have to do is fill them with information we supply you. It's that simple!

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Buying Real Estate Using Zero Coupon Bonds

  • Buying Real Estate Using Zero Coupon Bonds - Not only can you buy property with no money down, but you can pocket 10% - 20% of the purchase price every time you buy.  Only $45.00

HOW TO BUY REAL ESTATE with NO MONEY DOWN

AND PUT 10% - 20% OF THE PURCHASE PRICE IN YOUR POCKET using ZERO-COUPON BONDS!

THE NUMBER ONE FINANCING REQUEST IN EVERY STATE!

Buying real estate, using bonds, is the newest form of "no money down" method available today!  I believe it is the easiest, most practical, and ingenious method available.  Unfortunately, most people do not understand what they are and how to use them.  I have spent hundreds of dollars and countless hours of time uncovering this system.  Not only can you buy property with no money down, but you can pocket 10% - 20% of the purchase price every time you buy.  Listed below are some of the highlights that you will receive with the Buying Real Estate With Bonds program which can be used for the purchase of a $50,000 house, a $2,000,000 shopping center, or a business.

  1. What are municipal bonds and government securities?

  2. Investment features of municipal bonds
    a. Definition of a bond
    b. Why bonds exist
    c. Bases for tax exemption
    d. Safety
    e. Flexibility
    f. Marketability
    g. Maturities

  3. What tax exemption means to you in dollars.

  4. Description of bond ratings.

  5. Bonds today.
    a. How do these bonds work
    b. Bonds as security
    c. Using bonds to acquire real estate
    d. How to buy bonds when you have no money

  6. Realtor benefits by using bonds.

  7. Lender benefits from taking bonds.

  8. Why a lender is better off taking a bond instead of cash.

  9. Seller benefits from taking bonds.

  10. Buyer benefits from using bonds.

  11. Rules to follow when using bonds in real estate.

  12. Use bonds to buy R.E.O.'s (foreclosed real estate owned by banks).
    a. How to buy a $295,000 commercial property with no money down and pocket $50,000 upon closing of the purchase

  13. Use bonds to create a positive cash flow.

  14. Use bonds to overcome negative cash flow.

  15. Use bonds to discount mortgages.
    a. You can lower your present mortgage by using bonds

  16. How to buy a home for $1.00.
    a. Purchase a $165,000 home for $1.00
    b. Walk out of closing with an equity of $33,000 and pocket $27,000 in cash


  17. How to buy rental properties using bonds.
    a. Purchase a $60,000 rental property with no money down
    b. Walk out of closing with an equity of $12,000 and pocket $23,000 in cash

  18. Offer the seller twice his/her equity.
    a. Purchase a $160,000 property with no money down
    b. Walk out of closing with an equity of $33,000 and pocket $17,000 in cash

Yes, all of the above will be clearly explained!  No money or credit is required to achieve financial success in buying real estate by using zero-coupon bonds!  This newest form of buying real estate has just been introduced and others are paying as much as $500 to attend seminars to learn about it. As a real estate entrepreneur, this is my bonus to you.  Believe me -- Nothing can compare to the techniques you will learn in buying real estate using zero-coupon bonds!

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Buying Real Estate With No Money Down

  • Buying Real Estate With No Money Down. Buying real estate with no money down is like having the cake and eating it too.  That's Right, No Cash Contribution From Yourself. This book is the best "How To" book money can buy. Only $50.00

That's Right, No Cash Contribution From Yourself...

The object of this book is to provide you with techniques to buy any real estate with no money down, from foreclosures, to repossessions, to your neighbor's house, and you can use these techniques all the time.  YOU SIMPLY CAN'T GO WRONG!

Buying Foreclosures With No Money Down...

Buying foreclosures below market value with no money down is easy, you just need to know "How To" do it.  We take you from the foreclosure process to buying at a trustee's sale with easy to understand "Real World" examples.  You'll learn how to find foreclosures and talk to owner's in foreclosure and buy their house without any cash contribution from yourself.

Buying Repossessions With No Money Down...

Buying repossessed property can be the most lucrative means of acquiring real estate.  "Repossessed Property" spelled out, means "Fast Closing, Below Market, with No Money Down."  You'll learn how to find repossessed properties, how to talk to repossession departments, and techniques to buying them without cash.  EXAMPLES, EXAMPLES, EXAMPLES

Buying From F.S.B.O.'s With No Money Down...

The "For Sale By Owner" market is the largest of all the real estate markets.  Most of the techniques in this book are designed to buy in this market.  You'll find that with these techniques there is no real estate that cannot be purchased without any cash contribution from yourself.  The complete examples make these techniques easy to understand and apply.  SIMPLY A MUST!

Let's Take A Peek Inside

* All About Foreclosures.

- The Foreclosure Process
- Notice of Default
- Locating Foreclosures
- Buying at a Trustee's Sale
- Risks with Properties in Foreclosure
- Talking to an Owner in Foreclosure


* Buying Foreclosures.

- Proven techniques for buying foreclosures below market value with no money down and putting cash into your pocket.


* All About Repossessions.  

- What are R.E.O.'s
- Locating R.E.O.'s
- Negotiating with R.E.O. Departments

* Buying Repossessions.

- Proven techniques for buying repossessed properties below market value with no money down and putting cash into your pocket.


* General No Money Down Techniques.

- 30 proven techniques for buying any real estate with no money down and putting cash into your pocket.
- Using Borrowed Money
- Forming Partnerships
- Joint Financing
- Combination Financing
- Lease-Options
- New Millennium Techniques

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The Home Employment Directory

  • The Home Employment Directory - Yes! you can increase your income by performing assembly or other interesting work in your home! Only $26.00

"HOMEWORKERS NEEDED"

American Distributors and Manufacturing Companies supply you with Easy-To-Follow instructions and pay you for completed work!

Choose from a large variety of products which appeal to both men and women, and choose the type of work that suits your desires.

"WEEKLY INCOME CHART"

  • Baby Bonnets - up to $477/week

  • Wood Products - up to $252/week

  • Craft Products - up to $774/week

  • Bracelets - up to $360/week 

  • Hand Painting - up to $225/week

  • Beaded Book Marks - up to $720/week

  • Sewing Baby Bibs - up to $525/week

  • Felt Game Boards - up to $240/week

  • Wood Picture Frames - up to $240/week

  • Hand Made Flowers - up to $126/week

  • Leather Key Chains - up to $240/week

The Home Employment Directory includes the names and addresses of each company with a full description of the assembly or other work offered!

Our comprehensive directory contains information on legitimate work opportunities available throughout the country.

We have weeded out the frauds and only publish true genuine opportunities for profitable assembly work!

Most of the assembly opportunities require no special training, skills or equipment. You'll only limited by your own desires and motivation!

There's no boss watching over you, no time clock to punch, you can work when you please, and even watch television while making money!

Don't be surprised to see some of your own assembly work in your favorite local gift shops!

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65 Tested And Accepted Written Offers

  • 65 Tested And Accepted Written Offers - You've heard the saying "A Picture Is Worth A Thousand Words". Thats also true with real estate purchase contracts. - Only $40.00

A copy of a "Real World" real estate purchase contract completely filled in can make the most extremely creative offer a simple and easily understood concept.

To build a real estate empire, you SIMPLE CANNOT BE WITHOUT THIS BOOK!

There are 65 completely filled in real estate purchase contracts that represent simple to extreme "Creative Transactions" in a number of different categories.

With this book you will find that there doesn't exist any piece of real estate that cannot be purchased without any cash contribution from yourself.

You'll find yourself in a situation where you would like to buy a piece of real estate and are aware of the seller's needs. Your objective is to buy the real estate without any cash contribution from yourself.

NO PROBLEM!

Pull out this book and find the example that best fits your particular situation. Fill out a real estate purchase contract that is legal in your state with the same wording and present it to the seller or realtor.

YOU JUST BOUGHT A HOUSE FOR NO MONEY DOWN! IT'S THAT EASY!

You simply cannot be without this book!

The objective of this book is to provide you with examples that cover all possible types of real estate transactions, from simple to creative.

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Fundamentals Of Creating Wealth With Real Estate

  • Fundamentals Of Creating Wealth With Real Estate - This book is designed to provide you with all of the basic fundamentals of real estate, from the definition of real estate to earning $100,000 a year, tax free. Only $60.00

Fundamentals Of Creating Wealth With Real Estate

The Real Estate Basics

  • The key to real Estate Success
  • Why Real Estate Produces Money
  • Characteristics of Real Estate
  • Ral Estate Key Terms Categorized
  • The Transaction Table

Preparing To Purchase

  • Everything You Need to Buy Real Estate
  • Quick House Evaluation Technique
  • Getting the Seller in Your Corner
  • Negotiation Techniques
  • Negotiable Items to be Considered
  • The Real Estate Sales Contract

Real Estate Financing

  • Provisions of a Mortgage
  • Different Types of Loans
  • Various Financing Techniques
  • Sources of Real Estate Financing
  • Seller Financing
  • Techniques of Obtaining Quick Cash

Closing A Real Estate Transaction

  • Where Closings Are and Who Attends
  • The Title Procedure
  • The Escrow Procedure
  • The Closing Statement
  • Transferring the Title

The Real Estate Investment Window

  • Most Profitable Real Estate Investments
  • Methods of Locating Properties
  • Methods of Locating Evaluation
  • The Real Estate Investment Plan

Real Estate Management

  • How to Eliminate Negative Cash Flow
  • Management Considerations
  • Insurance
  • Real Estate Appraisal
  • Selling the Property

Real Estate Taxes And Other Liens

  • Types of Liens
  • Tax Liens
  • Liens Other Than Taxes
  • Tax Benefits for Homeowners
  • Tax Benefits for Investors

Closing Words

  • $100,000 a Year Tax Free
  • A Fortune in Sub-Leasing

Glossary

The contents of this book goes on and on. You'll find that this book will be a hand reference to meet all of your real estate demands and provide you with massive amounts of information pertaining to real estate. THIS BOOK IS A MUST FOR THE EMPIRE BUILDER!

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The Lender Directory

  • The Lender Directory - This exclusive directory lists current active lending sources with hundreds of millions of dollars in loan money waiting for you and your clients! Covering all 50 states includes regional and nationwide lenders. Only $70.00

85 pages of Lending Sources Including:

  • Mortgage Bankers
  • Life Insurance Companies
  • Commercial Banks
  • Venture Capital Firms
  • S.B.I.C. & M.E.S.B.I.C. Lenders
  • Foreign Lenders
  • Savings and Loans
  • Credit Companies
  • S.B.A. Offices
  • Pension Funds/Advisors
  • Leasing Companies
  • Private Companies & More!

This exclusive directory includes lenders for almost any type of mortgage and real estate financing including:

  • Single family homes
  • Condominiums
  • Apartments
  • Shopping Centers
  • Hotels/Motels
  • Health Care Centers
  • Office Buildings
  • Farms
  • Medical Buildings
  • Retail Centers
  • Land & Much More
  • Mini Warehouses
  • Restaurants
  • Mobile Home Parks

Lenders are listed by name, address and telephone, and are categorized by area, preference, type of project, type of financing, and size of loan.

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The Associate Broker Program

  • The Associate Broker Program - Yes! You can earn $5,000, $10,000, $20,000, or even more on just one Loan! There has never been a better time to become a loan broker than today! Only $130.00

The Associate Broker Program Includes The Following:

  1. Step-by-step manual and instructions.
  2. Worksheets and forms to originate a loan request.
  3. Rate sheet covering all loan areas.
  4. Instructions on how to document commercial property and business loans.

Below are just some of the most ideal characteristics of this opportunity:

  1. Very high income potential.
  2. Smallest start-up investment.
  3. A service continually needed.
  4. The pleasure of helping people.
  5. Recession proof business.
  6. Year round service (not seasonal).
  7. No sales pitch (borrowers pitch their proposals to you).
  8. No risk, no refunds, no losses.
  9. Commissions are paid out of closings.
  10. Cash transactions (no receivables).
  11. Not restricted by territory.
  12. A service well accepted by lenders and borrowers.
  13. Personal and financial freedom.
  14. Offers self expression.
  15. More life fulfilling.
  16. More family time.
  17. More travel time.
  18. Broader experience.

Never before have finacial needs been greater than today! You can get in on the ground floor of this high income opportunity now! Start Part-Time or Full-Time, But start Today!

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The Discount Mortgage Program

  • The Discount Mortgage Program - You can earn thousands of dollars in commissions by using the Direct Mail System. This is the single, most exciting, profit making opportunity of the decade. Only $149.00

In the normal course of your business you will be providing investors something your clients already own and want to sell. Your clients will own a mortgage, trust deed or contract under which some other party is paying monthly payments to them.

You will have Direct Access to several major key investors who purchase mortgages, trust deeds, and contracts In All 50 States! These investors are very active in in purchasing mortgages that are secured by - a single family residence, a multi-family residence, commercial property, or bare land.

A simple telephone call to one of these investors, on their toll free number, will give you a quote the same day. Your commission will be anywhere from 5% to 10% of the actual purchse price and since our investors offer very competitive prices, you can compete with anyone who is purchasing simplicity!

Program Package Includes:

  • The Discount Mortgage Program Manual
  • Submission Forms
  • Direct Mail Letter
  • Investors Names
  • Investors Toll Free Numbers

That's Only the beginning of the staggering fees that can be earned with this program!!!

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The Private Lender Program

  • The Private Lender Program - You can now discover the personal and financial freedom waiting for you as a Private Lender Broker! (Make A Fortune Using Other People's Money!) Banks find many more excuses not to approve loans, even though the property may have plenty of equity and be considered a very well secured loan. Only $60.00

When borrowers have no place to turn, they will come to you and you can close several of these loans each month.

Borrowers come to you because:

  1. Credit problems in the past and are unable to get bank financing.
  2. Banks and other lenders are not making loans on a certain type of loan request.
  3. Not on the job long enough.
  4. Just moved into town.
  5. Loan request is too small for an institutional lender.
  6. Business related loan request.
  7. Second home, or rental property.

Program Package Includes:

  • Samples of actual offerings, closings, letters, agreements, forms, investment summaries, loan applications, etc.
  • How and where to find investors fast.
  • How and where to find borrowers.
  • Absolutely everything you need to start earning huge fees immediately.

The Private Lender Program is an Exciting Program in itself and offers Huge Fees for the Broker. Make a fortune using other' people money!

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Portable Electronics

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Initial 7 Inch Portable DVD Player with Car Kit - Only $270.00

 

 

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7" Ultra Slim LCD Drop Down TV - Only $270.00

 

Make payments with PayPal - it's fast, free and secure! Microsoft Xbox Gaming Bundle w/Halo 2 & Oddworld Plus Free T-Shirt - Only $350.00

 

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