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Page 44<br />
TEACHING THE IMPORTANCE OF MATH<br />
Arizona mortgage banker Mark Field lectured at the Phoenix Collegiate<br />
Academy about the importance of math and financial education. Topics<br />
included the history of money, setting a budget, understanding banking,<br />
credit and debt, how a car is financed and how a home is financed.<br />
There are many occupations that require strong math backgrounds<br />
including: pilot, engineer, banker, construction, teacher, medical, police & fire.<br />
I emphasized that these kids can become anything they set their minds<br />
to. Dream big and work hard to accomplish your goals. I told them that any<br />
one of them could be a doctor, lawyer, pilot, astronaut, Mayor of Phoenix,<br />
or even a future President of the United States.<br />
I was astounded when one of the students asked how they could become<br />
a banker. www.phxca.org<br />
A R I Z O N A V E T E R A N S M A G A Z I N E<br />
FINANCIAL EDUCATION<br />
FINANCIAL EDUCATION LESSON: DECEPTIVE MARKETING<br />
by Mark Field<br />
You receive a letter in the mail which looks like a government letter<br />
which reads:<br />
“2014: OBAMA WAIVES REFI REQUIREMENT. IF YOU OWE MORE THAN<br />
$100,000 ON YOUR HOME, THE PRESIDENT IS PLEADING WITH YOU TO<br />
REFINANCE”.<br />
Trust me that President Obama is NOT pleading with you to refinance.<br />
This is a cheap marketing gimmick by a lead generation company that<br />
will sell your personal information including social security numbers to<br />
anyone who will pay for it. Rule of thumb is that if a company needs to<br />
use government in their marketing - they are unethical. period.<br />
It is much better to chose a local licensed mortgage professional that<br />
doesn't need to use gimmicks or bait & switch deceptive tactics to win<br />
over your business. Something in America should be done above board<br />
and with honesty.<br />
Mark Field is a licensed Mortgage Professional in Arizona (NMLS<br />
965030). Contact me at 602-434-3454 to discuss your best financial<br />
options. No games, no gimmicks.<br />
HERE ARE TWO OF HUNDREDS OF COMPLAINTS ON<br />
LOWERMYBILLS.COM AND LENDINGTREE.COM<br />
Source: www.consumeraffairs.com<br />
I went to the LowerMyBills site and they had a link for you to inquire<br />
about refinancing your home and with the promise of giving you the<br />
rates you'll qualify for. As you enter your personal info they constantly<br />
tell you they value your privacy and the info is for them only. As you<br />
continue to go thru the pages asking you more and more personal<br />
questions, you finally<br />
click on the link to get<br />
your rates and they<br />
inform you that you<br />
will be contacted by<br />
lenders. They never<br />
VA MORTGAGE EXPERT<br />
I Specialize in Helping Veterans and Disabled Veterans in Arizona<br />
MARK FIELD<br />
Senior Loan Officer<br />
15 Years Experience<br />
NMLS# 965030<br />
“I pride myself on honest and ethical mortgage practices,<br />
leading to many repeat and referral clients.” — Mark Field<br />
A MORTGAGE PROFESSIONAL YOU CAN TRUST<br />
Values instilled from 8 years service in US Navy<br />
As a courtesy and convenience for my clients,<br />
I will come to your home or office<br />
BENEFITS OF A VA MORTGAGE<br />
Purchase - No money down available<br />
Refinance - 100% VA loans available<br />
No mortgage insurance on VA loans<br />
No pre-payment penalties<br />
VA STREAMLINE REFINANCE<br />
100% VA financing available<br />
VA LOANS FOR DISABLED <strong>VETERANS</strong><br />
VA funding fees waived for disabled veterans<br />
“I have known Mark Field for over 15 years, utilizing<br />
him for a mortgage on two occasions and have<br />
always been very satisfied with his service. He<br />
came to my home, explained everything, and he is<br />
honest and ethical. I am pleased to recommend<br />
Mark Field.”<br />
— Kevin Kennedy, US Air Force Veteran, Peoria<br />
“I am extremely happy with Mark Field who has<br />
provided mortgage financing over the years, and we<br />
have referred him to family and friends. He helped<br />
us improve our credit and paid off all our debts —<br />
saving us over $500 a month along with $10,000<br />
cash back. I recommend him to other veterans.”<br />
— Conrad Ramos, US Navy Veteran, Phoenix<br />
“Mark Field went the extra mile for me and my<br />
family to help us with refinancing. He completely<br />
explained everything and treated us fairly.<br />
I recommend him to other Veterans.”<br />
— Edgar Robles, US Army Veteran<br />
210 S 4th Ave, #202, Phoenix, AZ 85003<br />
NMLS# 60134 / AZMB 0911335<br />
The<br />
Preferred<br />
Mortgage Lender<br />
for Veterans<br />
in Arizona<br />
PURCHASE & REFINANCE<br />
Conventional, FHA,<br />
VA and HARP Programs<br />
HARP PROGRAMS<br />
Are you underwater on your mortgage<br />
Fannie Mae or Freddie Mac loan before 5/31/09<br />
Must be current on mortgage payments<br />
REVERSE MORTGAGES<br />
Are you 62+, have equity, need cash flow<br />
REASONS TO REFINANCE<br />
Convert ARM to low fixed rate mortgage<br />
Pay off credit card & auto loan debt<br />
Lower interest rate & monthly payment<br />
Lower term to a low fixed rate mortgage<br />
Cash out for home improvements<br />
“I’ve trusted Mark Field to handle numerous<br />
mortgages for me over the years. Mark Field<br />
lowered my mortgage payment by over $1000<br />
per month, pay off all my credit card debt and<br />
helped me improve my credit score. I highly<br />
recommend Mark Field to my fellow veterans.”<br />
— Dave Chapman, US Marine Corps Veteran<br />
CALL MARK FIELD<br />
FOR A FREE CONSULTATION<br />
NO GAMES — NO GIMMICKS<br />
602-434-3454<br />
give you any rate. Next<br />
day - 5 calls. Following<br />
day - 8. This went on<br />
for 2 weeks. I never<br />
returned any of the<br />
calls. Do not fall for<br />
this. This company<br />
should be fined for<br />
pulling this stunt.<br />
I was looking for rates<br />
for a HELCO (home<br />
equity line of credit)<br />
and tried Lending<br />
Tree's service to find<br />
lenders and look at<br />
their rates. What I got<br />
was 24 hours of emails<br />
and phone calls from<br />
vultures, some of<br />
which took the liberty<br />
to submit a mortgage<br />
for approval. I was<br />
looking for a line of<br />
credit, not a mortgage,<br />
clearly stated in the<br />
search drop down on<br />
Lending Tree. I did not<br />
give any banks any<br />
approval to submit a<br />
mortgage application<br />
on my behalf. I am so<br />
angry and disgusted by<br />
this practice. I suggest<br />
no one ever use<br />
Lending Tree or any of<br />
their lenders. They all<br />
seem like sharks, more<br />
interested in my<br />
money than actually<br />
working with me on my<br />
home improvement<br />
projects. Why on earth<br />
would anyone want to<br />
work with these awful<br />
people My concern<br />
now is if this will ruin<br />
my credit report. If so,<br />
I would consider taking<br />
legal action.<br />
The VA Aid and<br />
Attendance Program<br />
can provide money<br />
for home health care.<br />
For more information<br />
call 623-201-7716<br />
Tell us what<br />
you think of the<br />
ARIZONA <strong>VETERANS</strong> MAGAZINE<br />
Send your comments to<br />
editor@azvetmag.com
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