Hi {first_name},

“There’s no such thing as a FREE lunch”

And it’s especially true in my line of work.

Have you ever seen a "no cost" refinance loan?

The terms differ from loan to loan, but NONE of them are actually FREE.

Here’s why that is: lending takes time, and a whole lot of paperwork.

There is also a whole lot of liability tied up in every mortgage. Liability that could come back to haunt the mortgage company years later should there be a mistake, error or omission by anyone involved in the mortgage from the application to the underwriting and closing.

That’s not up for debate.

And filling of all that paperwork isn't free.

So be careful with the companies that advertise the “no-cost” loans. It typically means hidden fees.

In an upcoming email, I'll share with you these hidden fees, so you know what to look for.

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P.S. Here is something you can use right away to make your refinancing easier.

The clue is in “X-Files”

Be on the lookout for it in the next email.

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