1st Lien “All In One”Home equity line of crediT Your Road ...

Hello!

Thank you for downloading a copy of this informational E-Book on the All In One HELOC Strategy. Please allow me to introduce myself. My name is David Bruce and I am the owner of Aptus Lending in Hendersonville, TN. I have been educating my clients about available mortgage loan options and helping families buy and refinance homes since 1993. Throughout my career I have owned my own mortgage company, originated loans for and managed mortgage operations at two of the big national banks.

Over the course of my career, I have transitioned from a being just a Loan Originator to a Mortgage Coach and a Mortgage Planning Specialist. As such, I strive to educate my clients about how to use advanced strategies to finance and refinance their homes, taking into account their full financial landscape including short, medium and long term financial goals. With careful planning, mortgage financing is the cornerstone of a successful financial plan.

Without a plan, goals are seldom realized.

In 2006 I learned about the revolutionary strategy I am introducing to you today. After I share with you the details of the program, you will have little doubt about how excited I was to incorporate it's use in my mortgage planning practice.

It was about this time when my wife was in a very serious car accident. I was unable to devote my full attention to work for the next year. As she was recovering, the financial markets descended into ill health and finally melted down. My industry changed dramatically overnight and this loan strategy quickly went dormant in the mainstream. It did not go away entirely as only a few banks still offered it. At any rate, I no longer had access to the program.

During the downturn I was so disgusted by the mortgage industry, I walked away from it. The housing market was in shambles because of the actions of the big greedy banks. Like so many

Americans affected by the economic collapse, supporting my family and ensuring my financial survival became my main concern.

I was out of the industry but felt that something was missing. I realized very quickly that Mortgage Coaching was my passion. I missed the interaction with families and helping people achieve their goal of home ownership. Interest rates decreased and the real estate market rebounded so I jumped back into the industry. I opened Aptus Lending, LLC. As a brokerage firm I am in control of choosing my investors and the variety of loan programs I offer my clients.

Finally, I was able to pick up where I left off in 2006. Once again, I have access to the most powerful home financing tool ever available. And, it has brought us together! So, let me show it to you in all its glory. From this day forward, let the word MORTGAGE be stricken from your vocabulary.

I am dedicated to helping you understand every aspect of the ALL IN ONE HELOC STRATEGY. As we go along, please make note of any questions you have, we can come together to answer those anytime you like.

Let's determine if this makes financial sense for you. Here we go!

David Bruce Managing Member of Aptus Lending, LLC 131 Maple Row Blvd, Suite E-500 Hendersonville, TN 37075 615-334-0226 dbruce@ NMLS# 158463/1387947

Table of Contents

1. 1st Lien "All In One Home Equity Line of Credit (HELOC )

2. How is the All In One HELOC better

than a Amortized Loan?

3. Case Study ? Benefits of REFINANCING into the All in One HELOC

4. All in One HELOC Underwriting and Eligibility Requirements

5. Your 5 Step Roadmap to Financial Freedom

Chapter 1 The All IN ONE 1st Lien HELOC

The All In One Account combines a 1st Lien Open Ended Interest Only HELOC with a Checking Account. It's that simple!

Line of Credit with 30 Year Draw Period

Checking Account just like you have now: Checks

Debit Card Auto Deposit Online Banking Auto Bill Pay Unlimited Transactions No Monthly or Annual Fees

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