Hello everyone listen today we have a great episode for you and it’s going to be on the  first position helot it’s been brought to my attention that i need to explain  what a first position helot is and what and how it can drastically  eliminate all mortgages all loans the car loans whatever loan that you have student  loans if any loan you can name you can get rid of it through this first position helot.

I would like to show you how powerful this first position helot is okay the fact of the matter is  in essence homeowners were using their helot as both a mortgage against their home and as a  checking savings account into which they deposited all of their money and paid out all of their  expenses now helots are also calculated on daily interest meaning that the interest charged is  only calculated watch this on the actual daily loan balance so each time the homeowner deposited  their income against their helot balance that money would automatically.

Be subtracted from the daily loan balance that they owed now as a result each time homeowners deposited income against their helot balance it allowed more of their regular monthly mortgage payment to be credited toward principal and far less toward interest why because their daily loan balance was less additionally since helot’s work very similar to a normal checking and savings account.

Meaning you get cards with.

It right this approach gave homeowners tremendous freedom  the homeowner could literally deposit money against their helot balance saving them  both time and interest on their mortgage and like a standard checking and savings account  let me tell you prolix came with checks some of them right uh debit cards and online access for  any time they needed to pay their monthly expenses furthermore instead of having the remaining money  or the money they had left over after paying monthly expenses sitting in an actual checking  savings account doing nothing right earning them close to zero interest actually losing  money because.

Of inflation tax okay that money was now sitting against their helot balance  until they needed it for future expenses now this kept their heal balance low for  as long as possible and further cancelled out daily interest charges that would normally  be charged on their line of credit balance okay that’s called money working for you  after looking into this method a little further it became quite clear to me that this may not  be the best approach for all mortgage clients okay while some homeowners in Australia and even the up  were accustomed to having a variable interest rate mortgage many homeowners in the us are not  so in order to implement this approach.

In the u’s homeowners would have to refinance.

Their  entire fixed interest rate first mortgage amount into a variable interest rate  helot now while that may be just fine with rates are low it can actually potentially spell out  some serious consequences if for when interest rates increase the age old saying what goes up  must come down applies in this scenario except in reverse what goes down must go up now you may be a  mortgage client that has a nice low fixed interest rate mortgage there was no way that i was going to  advise you to refinance your entire fixed forage mortgage amount into a variable interest helot  this could actually potentially seriously affect your finances in an adverse way  so that’s why i found a solution right to ensure that you don’t have to use a first position helot.

If you don’t want to however if you have one no worries okay this is how it works let’s start out  okay let’s start out with what you can see on a typical mortgage now this one is three hundred  thousand okay we switched it up usually we use two hundred thousand and six percent interest we’re  switching it up this one’s three hundred thousand dollars this mortgage at three percent okay this  is what you can expect in your first year all right eight thousand nine hundred and fourteen  dollars and 32 cents year right yearly payments to the mortgage okay yearly payments to the mortgage.

Eight thousand nine hundred and fourteen dollars and 32 cents what is that that’s right  year to date for the mortgage eight thousand nine hundred and fourteen dollars and thirty two cents  fifteen thousand one hundred and seventy seven dollars and seventy two cents for pin okay and  the same goes to right there for year to date now this is one year folks one year the second year  what do you have eight thousand seven hundred twenty three dollars and eighty five cents  okay for the payment right and 17 638 dollars 17 cents right year to date  and then we have the same for the pin okay as well as the principal and interest as well as the 30  and 44 355.44 all that is doing.

Is just adding these together now that’s what you can expect  when you have a mortgage and that number is only going to go up okay year after year after year  i want to show you what happens when you have a first position helot watch this Pacman pac-man eating your house uh-oh what is that about hmm let me tell you what it’s about.

It’s about the first position helot that’s.

What it does folks it takes you three hundred thousand  dollar mortgage at three percent remember how what the percentage was on the first year what was it  fifty seven percent okay that’s that doesn’t sound like thirty percent to me all right the first year  was 57 percent the second year excuse me the first year was like 58 the second year was like 57 okay  are there abouts 57 and so if it’s 57 right if it’s 57 where did they get the three percent from  because.

It’s amortized that’s right they go by an amortization table and so essentially what a first position key lock does is it eats up your mortgage, so it replaces your mortgage so that you’re no longer paying that astronomical amount of money my word.

Okay it’s  amortization that interest that could be going into your pocket is going into the bank’s pocket  when you have a mortgage okay let’s go ahead and ask for first position helot’s  huh let’s do this let’s get banks on the line and I’m going to make a video  about the certain banks that you need to talk to in order to make sure that you have the best  first position helot possible we’re going to go through the questions we’re going to go through the  banks so that you can have the advantage over the banks and you can have your own personal bank now  the system that i utilize i use advanced lines of credit meaning that i show my clients across  the board if they have helot’s that’s great but i have advanced lines of credit they go throughout  the different spectrums of the of the credit lines okay not only helps but commercial lines credit  cards.

We’re talking about all kinds of lines of credit personal lines are created business lines  of credit so that they can do this to their house all right do you understand.

The first position  helot actually eats that mortgage up so that now you’re not paying that astronomical amount  let’s say you have the helot at 21 chi that’s kind of high yeah but it’s simple interest  never forget that that’s what you asked the bank is yours calculated use your helot calculated on  simple interest or amortized absolutely ask for the manager right because the personal banker may  not know okay and they may know all right let’s give them the benefit of the doubt all right so  again this is what the first position helot does to the mortgage it eats it up so that  it’s no longer a mortgage but now your helot is in control and you can use that as your  new line of credit paying down that house.

In astronomical amounts okay  it all depends on what’s left in that helot all right absolutely folks this is the way to go  and if you don’t have lines of credit don’t worry about it get in touch with me i want to set up  a velocity banking strategy that you can use even if you don’t have any lines of credit okay  and if you have lines of credit that’s great get with me i want to set up right a velocity banking  strategy you know i have someone that’s going to be out of debt in three years i am looking so  forward to it because it’s going to be amazing the kinds of banking tools that we pull out.

And the kinds of timing it’s all about timing that we hit that principle with okay um if they don’t  want to do the first position helot that’s great it’s all about timing and we can show  you that just let us know all right credit at investorpro.org this is the first position helot  in a nutshell folks that’s what it does okay eats up that mortgage it really does and we want to do  the same thing for you in all of your debts alright god bless and you have a great night.

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