NO MORE Mortgage Blog » About

What to do when you retire?

No More Mortgage — Mon, 24 Aug 2009 15:44:19 +0000

Retiring? Pay Off Your Mortgage

NO MORE Mortgage recommends that you pay off your mortgage as soon as possible.

Read more on paying off your mortgage at www.online.wsj.com

NO MORE Mortgage

No related posts.

Stop Arguing with Your Spouse About Money…Hold a Weekly “Money Huddle”

No More Mortgage — Tue, 11 Aug 2009 16:15:15 +0000

NO MORE Mortgage believes a weekly meeting between spouses is a very important part of being able to implement a controlled financial environment.

It’s a very delightful thing to do.

We can also refer to this as a Money Huddle. On a weekly basis, the husband and wife get together and talk about finances.

Terms and Conditions:

1. Weekly, not daily.
2. Private not disturbed.
3. Minimum of 15 minutes, not more than 30.
4. Don’t ever hold the meeting in the bedroom.
5. The husband sees that the meeting is held, and the wife will typically come with the agenda.

This will help you see how you’re doing in your finances, your spending plan, what you can do to help each other. Other things will surface over time, vacations, school planning, wills and trusts, etc.

NO MORE Mortgages clients who hold this meeting consistently stop arguing over finances within the first month.

NO MORE Mortgage

Interview With Larry Ruff (CEO)

Reduce Use of Credit Cards

No More Mortgage — Mon, 10 Aug 2009 15:58:05 +0000

NO MORE Mortgage believes that many times people give quick advice that sounds good on the surface, but often cannot be implemented. Here is a good thought about a piece of financial counsel that is often heard.

Reduce Use of Credit Cards: Pay off those 18% to 19% cards and you’ll get that amount of “return” on your money.

Okay, let’s talk about this. NO MORE Mortgage believes that paying off those high interest rate cards is excellent advice. The problem is, telling you that it should be done and actually teaching you how are two different things. Simply advising people to stop using their credit cards is not going to fix the problem because it’s not getting at the root of why people are using those cards in the first place.

The reason that many people are using credit cards to live beyond their means is that they do not understand their emotions about money, which leads to uncontrolled spending. No one, and I mean no one, will be able to stop using high interest rate credit cards just because they know they shouldn’t. That’s like telling someone who needs to lose weight that they shouldn’t eat the double chocolate fudge brownie that’s put in front of them. Knowing what you should do and doing it are two different things.

There’s no way you are going to do what you should until you examine your emotions about spending, create a spending plan, and then track every expense according to that plan to reveal your true feelings about where and how you spend money. Once you become aware of your emotions and what you truly value, you can begin to prioritize spending, which will ultimately lead to a reduction in credit card debt.

Get to the ROOT of the problem, or it is likely the problem will not be solved, and it will come back. A bad habit is not corrected until it is identified and admitted, and usually we need help from a trusted partner or a very strong system to stay on track.

NO MORE Mortgage can help you get to the root of the problem while becoming a trusted partner in all of your financial difficulties.

NO MORE Mortgage

No related posts.

Working with new clients

No More Mortgage — Wed, 29 Jul 2009 14:37:54 +0000

I been working with a client now using NO MORE Mortgage for a couple weeks who found out that things were a bit tighter financially than they thought. After reviewing several things with them, I was able to make many suggestions that will increase this clients monthly cash flow by $440 a month.

I just got a call from them today, and they are very excited that they will be able to not only get all the benefits from No More Mortgage’s debt elimination program, but also be able to build their emergency much faster as well as have a couple hundred extra each month for wiggle room. They didn’t have enough to allow their boys to play sports this year and this is just what they needed to free up enough to pay for things like that.

It’s amazing how small adjustments can help so much.

Steve
NO MORE Mortgage

Clients Share Success with NO MORE Mortgage

NO MORE Mortgage and the Federal Government

No More Mortgage — Mon, 27 Jul 2009 20:53:03 +0000

NO MORE Mortgage would be pleased to see any federal measure that will help our clients avoid financial difficulty. Since many of our members encounter problems with medical expenses, a solution that will improve chances for ordinary families to avoid financial reversals due to major medical problems will be welcome.

One worry here at NO MORE Mortgage is that government sponsored programs tend to be inefficient and end up costing much more than originally forecast. When such burdens fall on taxpayers, and the public debt is increased, this puts a strain on the economy, which could cost jobs.

Another worry is that many clients of NO MORE Mortgage have lost jobs, and if they cannot find a new job before their unemployment benefits run out, then their health insurance will probably lapse as well. Right now this is a huge worry, and we believe our legislators can agree, even if they do not pass an entire overhaul of the system, that certain targeted improvements should be approved.

For the rest of the story visit The Wall Street Journal

NO MORE Mortgage
8j5frtveuz

Frequently Asked Questions About Us

No More Mortgage — Fri, 17 Jul 2009 17:09:53 +0000

Questions About NO MORE Mortgage.

1. What does my free analysis include?
2. What happens to my information?
3. When do I get my free analysis?
4. When will I be contacted?

1. What does my free analysis include?
Your free analysis will show you whether or not you qualify for the NO MORE Mortgage program. If you don’t qualify, we will give you some free advice on how to better your situation, and how you can help yourself qualify for the program in the future. If you do qualify, your analysis will show you how soon you will be debt free, as well as how much the program will save you in interest that you no longer have to pay.

2. What happens to my information?
The information that you provide is used to begin building a preliminary debt plan for you. Depending on the information that you provide, your personal finance analyst may need to ask some additional questions. Your personal information will not be shared outside of our company without your consent.

3. When do I get my free analysis from NO MORE Mortgage?
After your free consultation, your personal finance analyst will construct your personalized debt plan and present it to you. Constructing a good debt plan takes time and resources, so it may be up to 24 hours after your personal consultation before you receive your personalized debt plan.

4. When will I be contacted?
A Personal Finance Analyst from NO MORE Mortgage will contact you for a free consultation within the two (2) business days after your submission. Due to the high volume of free analysis requests, this time frame may be longer. If you would like to speed up the process, please contact us at 1.800.598.1657.

NO MORE Mortgage

Interview With Larry Ruff (CEO)

No More Mortgage — Mon, 13 Jul 2009 20:33:13 +0000

Larry Ruff spends most of his away-from-NO MORE MORTGAGE time with his wife, Jennifer, and their 10 kids in activities such as ballroom dance and church activities.

NO MORE MORTGAGE: Following in the footsteps of his father, noted financial adviser Howard Ruff, Larry is making a monumental difference in clients personal finances. Imagine eliminating all of your debt, including your mortgage, in as little as nine years, with no increase in your payments! NO MORE Mortgage boasts a more than 95 percent client-success rate with customers throughout all 50 states. Their successful national radio campaign is currently requiring the hiring and training of dozens of local personal finance analysts and support staff. Expanding on his education in financial and estate planning at Brigham Young University, Larry is attracting seasoned professionals with successful backgrounds in financial planning and mortgage services.

What do you do with your free time? I make it a priority to sneak in a few hours of fly fishing almost every week. It has a beneficial influence on every other part of my life.

What is a highlight of your career? I recently jumped all over a marketing tip from an acquaintance. It led to a national radio campaign that eliminated NO MORE Mortgage biggest customer acquisition expense and replaced it with a substantial profit center.

What time do you get up? By 5:30 a.m. to get some uninterrupted study and work time, along with a little exercise.

Do you have any outside business ventures? My wife and I run www.blendingfamilies.net, a non-profit support group for families in second marriages like ours.

What is your best advice? Stay faithful to your core values. Go on fun weekly dates with your spouse. Wife happy = life happy.

Do I Qualify for the Homeowner’s Debt Elimination Program?

No More Mortgage — Mon, 29 Jun 2009 20:49:10 +0000

NO MORE Mortgage is passionate about reducing your debt and increasing your future net worth. For 12 years now we have been turning the tides of consumer debt. Thousands of our clients eliminate all their debts, including their mortgage, in an average of 9 years. You can also achieve financial freedom. Complete the form below to get started today!

After we receive the preliminary information you will be contacted by a Personal Financial Analysis to evaluate your unique financial situation. The evaluation is FREE and compiles all your financial information and provides strategies on how you can eliminate your debt in the shortest amount of time.

Eliminate all of your debt including your mortgage in about 9 years
FREE Confidential Personal Financial Analysis
93% customer success rating
12 year track record of client success dating back to 1996
Outstanding member of the Better Business Bureau

If you would like to check to see if you qualify please visit our pre-qualification page.

Introduction to NO MORE Mortgage Officers

No More Mortgage — Fri, 19 Jun 2009 18:00:06 +0000

Larry Ruff – CEO & Founder of NO MORE Mortgage
Mr. Ruff has 29 years experience in business management, marketing, and sales. His insights and advice on personal finance have been taken to heart by thousands of clients across the country. While no longer in the credit counseling business, he is a credit-counseling industry consultant and speaker at industry conventions. In 1984 he founded Liberty Mint, Inc., a manufacturer and worldwide marketer and distributor of commemorative coins and precious metal sculpture, which he took public in 1997. Prior to that he worked in the real estate industry where he founded Ruff Investments, a successful syndicator of large residential apartment buildings in the Atlanta, Georgia area. As a 50% owner of Timpanogos Realty his personal sales exceeded $20 million in his first three years. He majored in Financial and Estate Planning at Brigham Young University with a minor in Economics.

Ron Hammond – Chief Financial Officer
Mr. Hammond is a Senior Finance executive with significant experience in all aspects of Finance and administration. He has recently been involved on an advisory basis in assisting start-up and emerging growth companies in raising financing and structuring the corporate finance function. From 1996 to 2003 Mr. Hammond was the Chief Financial Officer Of PowerQuest Corporation, a developer of computer systems software, where he was instrumental in assisting the company obtain growth capital, managed relationships with investors, lending banks, and board of directors, as well as assisting with the $150 million sale of the Company to Symantec in 2003. From 1989 to 1996, Mr. Hammond served as the Senior Vice President, Finance, as well as Secretary to the Board of Directors, for Quarterdeck Office Systems, a developer of computer systems software, where he oversaw the finance and administration functions while the company grew from approximately $10 million in revenues to over $100 million in revenues, and to a market capitalization in excess of $1 billion. Mr. Hammond oversaw the successful initial public offering of Quarterdeck stock in 1991, and served as the principal investor relations contact for the company through 1996. From 1984 to 1989, Mr. Hammond was a manager in the Private Business Advisory practice of KPMG, an international accounting firm, assisting private business clients with audit, tax and accounting services. Mr. Hammond has a Masters of Management Accounting degree from Brigham Young University.

Landon Glenn – Vice President of Sales
Mr. Glenn came to NO MORE Mortgage specializing in building and leading sales teams and implementing the sales process. He has consistently been a top producer in his own personal sales. At Dish One Satellite he was Regional Manager and the V.P. of Marketing where he recruited and managed the top producing sales teams in the company, while remaining in the top percentages in the country with his own personal sales. He is also licensed in real estate and experienced in both real estate investing and sales. Mr. Glenn graduated from the Marriott School of Business at Brigham Young University with a degree in Finance and an emphasis in Real Estate. He is fluent in Portuguese.

David Bollard – Director of Marketing
Dave comes to NO MORE Mortgage with over 15 years of marketing experience in the Entertainment, Healthcare, Financial and Hotel & Tourism Industries. Prior to joining NO MORE Mortgage, Dave has served as a Marketing Director, Marketing Manager and Public Relations Manager for several companies including the Larry H. Miller Sports & Entertainment Group, Virgen Advertising, Fasen Arts Design and Dentrix Dental Systems. Dave has a wealth of knowledge in graphic and multimedia design, public relations, Radio and TV, direct mail, research, trade shows and website design. He specializes in business to business and business to consumer marketing and will be instrumental in strengthening the NO MORE Mortgage brand. Dave went to the University of Nevada Las Vegas and Southern Utah University. He holds multiple professional certifications and licenses and is fluent in Spanish.

Peter Chinchay – Controller
Peter comes to NO MORE Mortgage with years of experience in the Accounting/Financial field. He has held positions as the Accounts Payable Manager, Accounting Manager, Controller and Director of Accounting. Past experience includes working for the LDS Church in Peru as a Liaison & International Public Relation Specialist, Net Marketing Alliance and EKI International. Peter specializes in cash management, merchant accounts, company procedures, sales and has knowledge of multiple different accounting systems and methods. He has a long history of saving millions for the companies where he has worked. Peter has a BA in Accounting from IDAT in Peru. Peter loves to travel and is bilingual.

Scott Morris – Director of Software Development
Initially, Scott’s career was focused on multimedia. This includes recording, mastering, and mixing audio. Being the keyboardist in a handful of bands helped, as he was able to work on albums for them. He learned the arts of mixing, mastering, and post-processing audio. Video was also part of his daily work, as he became adept at videography, editing, compressing, and post-production. During that time, he learned the basics of graphic design, and worked with a number of excellent designers to create a myriad of complex multimedia presentations. He has become adept with many different forms of multimedia delivery, including streaming from the Internet and delivery on DVD, audio CD, or media playable directly from a computer.
Next, his focus turned towards Windows development. he started with Visual Basic, moving quickly to C++. his first major project was a wrapper object which would allow one design and include a resizable skin for the interface of a Windows application.
Toward the end of 2002, he picked up Linux. Since 2004, his employment has revolved around his Linux system administration expertise.
Also at the end of 2002, he began learning PHP. Soon he found himself as a Linux/Apache/hisSQL/PHP developer. Having been trained formally in programming and development at Utah Valley State College (now Utah Valley University), mastering PHP has come easily for Mr. Morris.
Scott has also started 2 companies: Morris Partners, LLC where he has one other partner. This company has done project management, consultation, web development, establishment of online communities, search engine optimization, and lead generation for clients. Also, Tribal Paradigm, LLC, of which he is the sole owner. Setting up these companies, establishing a business plan, long-term goals, and a systematic method of execution of the plan have all been great experiences and have taught him well.
At NO MORE Mortgage, Mr. Morris is a PHP system architect, manages several databases, and is the Linux System Administrator. He is fluent in Spanish.

Bill Erickson – Director of Customer Service
Bill comes to NO MORE Mortgage with years of experience in the financial banking, mortgage, sales and customer service industry. After a successful career in the military, Bill transitioned to the financial industry and worked for companies such as First Security Bank, Jefferson Mortgage and New Freedom Mortgage. He has held positions such as Installment Loan Officer, Real Estate Loan Officer and Commercial Loan Officer. He is a natural leader and has managed multiple branches, sales teams and is currently head of the NO MORE Mortgage Customer Service division. Bill went to Brigham Young University with a degree in accounting and business management.

NO MORE Mortgage

Homeowner’s Debt Elimination Program (Overview)

No More Mortgage — Thu, 04 Jun 2009 14:51:37 +0000

NO MORE Mortgage eliminates all of your debts, (including your mortgage) in about nine years.
While the debt-management programs you see advertised are limited to helping you with your unsecured debt such as credit-cards, our program eliminates all of your debt including your mortgage, car loans, student loans, credit cards, personal loans, medical bills, etc. The more debt you have, the more we can help!

Minimal increase to monthly payments!
Unlike companies who charge a lot of money for a limited amount of coaching (teaching you to scrimp on your budget so you can pay more each month toward your debts), our fees are built into the program and are a small percentage of the savings we create for you. Since 1996, thousands of our clients across the country have proven that they can be completely debt free in about nine years.

Our program preserves your good credit.

While debt-management programs are effective in hardship cases, their process of renegotiating with your existing creditors can have a negative effect on your credit. In contrast, our program preserves your good credit. While we are not in the business of credit repair, your credit scores improve as a natural result of making timely payments and eliminating debt.

Big savings in interest.
Interest savings of $50,000 to $100,000 and more are typical with our program. Our earnings are based on how much we can save you, so we have every incentive to save you as much as we possibly can.

Avoid the home loan debt-consolidation trap.
How many people do you know that refinance to put their credit-card debt against their home every few years, pyramiding their debt, and putting their home at greater risk? We get you out of that cycle, as we actually eliminate all of your debt.

We automate the process.
(This is one of the keys to our extraordinary success rate.)
No longer will you have the monthly hassle of making your debt payments. Everything can be professionally handled for you with 100% safety and security. You can go online whenever you wish to watch the transactions and see your progress. We reduce your stress, save you time, and ensure your success — which allows you to focus more on being successful with your career and your family.

Over a 95% client success rate!
While expensive self-help programs have very high failure rates, we ensure the success of your program by taking care of everything for you. The program is flexible. We stay with you through moves, life changes, and even income disruptions, with unlimited coaching and consulting, until you are completely debt-free. While clients are free to terminate our services at any time, they are so happy with the convenience and bottom-line results that they virtually never drop out.

NO MORE Mortgage Financial Tool Kit.
Everyone who enrolls in our Homeowner’s Debt Elimination Program receives the finest personal finance education and savings program ever created. Beginning with a high-impact video, this powerful program will inspire you and your family to be pulling in the same direction with your finances that we are. It will forever change the way you think about your money and will save you a minimum of $100 to $300 per month. This kit can be purchased separately and the purchase price will be credited back to you if you enroll in our full program.

What is the catch?
While everyone can benefit from our NO MORE Mortgage Financial Tool Kit, unfortunately, not everyone qualifies for our full-service Homeowner’s Debt Elimination Program. Primarily homeowners with three or more non-mortgage debts (totaling $10,000 or more) will benefit the most from this program. It usually requires at least a fair credit score to enable us to create a program with significant leverage against your debts. Those with poor credit can also qualify if they have more equity in their home.

We can quickly determine if you qualify. With our highly sophisticated computer system, we can provide you with an analysis that will show exactly how much money we can save you, and how soon you will be completely debt free. If you do not qualify for our programs, we are happy to refer you to the most effective alternative solution for your particular situation. To learn why clients of NO MORE Mortgage are so happy with their experience, call us toll-free at 1.800.598.1657, or request a free analysis.

NO MORE Mortgage

NO MORE Mortgage

No More Mortgage — Mon, 01 Jun 2009 21:56:27 +0000

Mission Statement
We are absolutely committed to excellence. Our highest mission is:

To reverse the tide of consumer debt in America.
To thrill our clients in the process.
To make a significant, positive difference in the lives of our customers and each other.
To live our lives and operate our company on principles that are right and true.
To provide accurate financial analysis, honest evaluations, unparalleled customer service, exceptional client education, and relentless debt elimination, leading to each client?s financial prosperity.
We value integrity, honesty, teamwork, hard work, loyalty, and continuous improvement.

NO MORE Mortgage has engineered a unique high-tech network that merges multi-channel marketing campaigns into a nationwide live-call distribution system. This system allows homeowners to receive immediate free consultation with a qualified Personal Finance Analyst. The client’s finances are then downloaded into a sophisticated computer program which generates a seven-page personalized financial analysis illustrating proposed debt restructuring, interest savings, and debt-free dates.

Enrollment in NO MORE Mortgage Homeowner’s Debt Elimination Program is particularly attractive to clients because it:

Avoids the negative credit effects inherent in other debt management programs.
Works with your current income level.
Requires no out-of-pocket expense.

By combining the expertise of nationwide lenders with the Homeowner’s Debt Elimination Program, NO MORE Mortgage is helping its clients gain leverage over their debts, and is converting a growing segment of the lending industry into becoming part of the debt solution, rather than part of the problem.

No related posts.