Page 44 TEACHING THE IMPORTANCE OF MATH Arizona mortgage banker Mark Field lectured at the Phoenix Collegiate Academy about the importance of math and financial education. Topics included the history of money, setting a budget, understanding banking, credit and debt, how a car is financed and how a home is financed. There are many occupations that require strong math backgrounds including: pilot, engineer, banker, construction, teacher, medical, police & fire. I emphasized that these kids can become anything they set their minds to. Dream big and work hard to accomplish your goals. I told them that any one of them could be a doctor, lawyer, pilot, astronaut, Mayor of Phoenix, or even a future President of the United States. I was astounded when one of the students asked how they could become a banker. www.phxca.org A R I Z O N A V E T E R A N S M A G A Z I N E FINANCIAL EDUCATION FINANCIAL EDUCATION LESSON: DECEPTIVE MARKETING by Mark Field You receive a letter in the mail which looks like a government letter which reads: “2014: OBAMA WAIVES REFI REQUIREMENT. IF YOU OWE MORE THAN $100,000 ON YOUR HOME, THE PRESIDENT IS PLEADING WITH YOU TO REFINANCE”. Trust me that President Obama is NOT pleading with you to refinance. This is a cheap marketing gimmick by a lead generation company that will sell your personal information including social security numbers to anyone who will pay for it. Rule of thumb is that if a company needs to use government in their marketing - they are unethical. period. It is much better to chose a local licensed mortgage professional that doesn't need to use gimmicks or bait & switch deceptive tactics to win over your business. Something in America should be done above board and with honesty. Mark Field is a licensed Mortgage Professional in Arizona (NMLS 965030). Contact me at 602-434-3454 to discuss your best financial options. No games, no gimmicks. HERE ARE TWO OF HUNDREDS OF COMPLAINTS ON LOWERMYBILLS.COM AND LENDINGTREE.COM Source: www.consumeraffairs.com I went to the LowerMyBills site and they had a link for you to inquire about refinancing your home and with the promise of giving you the rates you'll qualify for. As you enter your personal info they constantly tell you they value your privacy and the info is for them only. As you continue to go thru the pages asking you more and more personal questions, you finally click on the link to get your rates and they inform you that you will be contacted by lenders. They never VA MORTGAGE EXPERT I Specialize in Helping Veterans and Disabled Veterans in Arizona MARK FIELD Senior Loan Officer 15 Years Experience NMLS# 965030 “I pride myself on honest and ethical mortgage practices, leading to many repeat and referral clients.” — Mark Field A MORTGAGE PROFESSIONAL YOU CAN TRUST Values instilled from 8 years service in US Navy As a courtesy and convenience for my clients, I will come to your home or office BENEFITS OF A VA MORTGAGE Purchase - No money down available Refinance - 100% VA loans available No mortgage insurance on VA loans No pre-payment penalties VA STREAMLINE REFINANCE 100% VA financing available VA LOANS FOR DISABLED <strong>VETERANS</strong> VA funding fees waived for disabled veterans “I have known Mark Field for over 15 years, utilizing him for a mortgage on two occasions and have always been very satisfied with his service. He came to my home, explained everything, and he is honest and ethical. I am pleased to recommend Mark Field.” — Kevin Kennedy, US Air Force Veteran, Peoria “I am extremely happy with Mark Field who has provided mortgage financing over the years, and we have referred him to family and friends. He helped us improve our credit and paid off all our debts — saving us over $500 a month along with $10,000 cash back. I recommend him to other veterans.” — Conrad Ramos, US Navy Veteran, Phoenix “Mark Field went the extra mile for me and my family to help us with refinancing. He completely explained everything and treated us fairly. I recommend him to other Veterans.” — Edgar Robles, US Army Veteran 210 S 4th Ave, #202, Phoenix, AZ 85003 NMLS# 60134 / AZMB 0911335 The Preferred Mortgage Lender for Veterans in Arizona PURCHASE & REFINANCE Conventional, FHA, VA and HARP Programs HARP PROGRAMS Are you underwater on your mortgage Fannie Mae or Freddie Mac loan before 5/31/09 Must be current on mortgage payments REVERSE MORTGAGES Are you 62+, have equity, need cash flow REASONS TO REFINANCE Convert ARM to low fixed rate mortgage Pay off credit card & auto loan debt Lower interest rate & monthly payment Lower term to a low fixed rate mortgage Cash out for home improvements “I’ve trusted Mark Field to handle numerous mortgages for me over the years. Mark Field lowered my mortgage payment by over $1000 per month, pay off all my credit card debt and helped me improve my credit score. I highly recommend Mark Field to my fellow veterans.” — Dave Chapman, US Marine Corps Veteran CALL MARK FIELD FOR A FREE CONSULTATION NO GAMES — NO GIMMICKS 602-434-3454 give you any rate. Next day - 5 calls. Following day - 8. This went on for 2 weeks. I never returned any of the calls. Do not fall for this. This company should be fined for pulling this stunt. I was looking for rates for a HELCO (home equity line of credit) and tried Lending Tree's service to find lenders and look at their rates. What I got was 24 hours of emails and phone calls from vultures, some of which took the liberty to submit a mortgage for approval. I was looking for a line of credit, not a mortgage, clearly stated in the search drop down on Lending Tree. I did not give any banks any approval to submit a mortgage application on my behalf. I am so angry and disgusted by this practice. I suggest no one ever use Lending Tree or any of their lenders. They all seem like sharks, more interested in my money than actually working with me on my home improvement projects. Why on earth would anyone want to work with these awful people My concern now is if this will ruin my credit report. If so, I would consider taking legal action. The VA Aid and Attendance Program can provide money for home health care. For more information call 623-201-7716 Tell us what you think of the ARIZONA <strong>VETERANS</strong> MAGAZINE Send your comments to editor@azvetmag.com
UNDERWATER WARFARE TOP SECRET WHAT HAPPENS UNDERWATER STAYS UNDERWATER A R I Z O N A V E T E R A N S M A G A Z I N E Page 45 MISSION CONTINUES REFURBISHES ACEH OFFICES
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