Emancipation Center for Mortgage and Debt Freedom

Harvey Bernard

Mortgage and Loan Advisor

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Receive Your Free Loan Elimination Analysis

No Mortgage, No Loan Payments Forever! seminar schedule

Give your feedback on my book: No Mortgage, No Loan Payments Forever!

Get Your Free Personalized Loan Elimination Analysis --

Learn how coaching can work for you

Simply complete your contact information below . . .

and I'll contact you with more information.

What you need to understand:

You keep your existing first mortgage
You continue making your same monthly mortgage payment
There is little to no change in your household budget

Your potential benefits include:

a coaching program, helping you to achieve financial freedom
a great success rate, 98% of people who begin stay with the program
little to no change in lifestyle, eliminating the requirement for most people to find extra money in your current spending
accountability, helping you to stay focused
better structure to your plan, helping you to stay disciplined
feedback on how you are doing, helping you to stay motivated
monitoring of your results, helping you to stay on track
reviewing your debts, making debt freedom easier to achieve
calculating long-term effects of current spending, helping you to make wise spending choices
easier, helping you to be debt-free even more easily than doing it all by yourself

Don't delay - waiting could cost you $15.43 or more -- every day!

Simply complete and return the information below and I'll contact you with more information. - Harvey Bernard

Applicant Name
Co-applicant Name
Street Address
City
State
Zip Code
e-mail
Telephone number

*The information below is optional:*
Current Value of Property
How value was determined

First Mortgage
Name of Lender
Original Loan Amount
Current Balance
Interest Rate
Original Term (months)
Months Remaining
Total Monthly Payment (including escrow)
Escrow portion of payment
Fixed or Adjustable Rate
Type of Loan

Second Mortgage
Name of Lender
Original Balance or Credit Limit
Original Term (months)
Current Balance
Months Remaining
Monthly Payment
Interest Rate
Fixed or HELOC

Income - Applicant
Employer Name
Gross Income (per pay period)
Net Income (per pay period)
Pay Period
Income Type
Credit Rating

Income - Co-Applicant
Employer Name
Gross Income (per pay period)
Net Income (per pay period)
Pay Period
Income Type
Credit Rating

Discretionary Income (money left over each month after all spending and your bills are paid)

Debts (other than mortgages)

Creditor #1 Name
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #2
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #3
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #4
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #5
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #6
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Creditor #7
Type
Original Balance
Current Balance
Original Term (months)
Months Remaining
Payment
Interest Rate

Additional Comments