SPECIAL REPORT - Who REALLY has the Lowest Mortgage Rates and Fees?

Darren Meade
Who REALLY has the Lowest Mortgage Rates and Fees?

Mistake #1: Giving in to the hype

You can't get away from it. Turn on the radio...there it is. Turn on the TV...there it is again. Open the newspaper and - SURPRISE! - there it is again. Every day all across America, consumers are bombarded with ads from mortgage companies, on TV, Radio, Billboards and Newspapers. And every one of those ads says the exact same thing:

"We have the lowest rates and nobody can beat our service".

Because everyone is saying the same thing, you face a frustrating experience when you finally give in and call one of those lenders. Here is an illustration of an all too common experience.

You call up XYZ lender and they quote you a rate of 5.76% on a 5/1 ARM Loan. So, you say to yourself, "wow, what a great rate" and excitedly schedule an application appointment. Then, when you show up to the appointment, the loan officer tells you that you are approved on the 5/1

ARM loan at a rate of 6.25% . This obviously leads to frustration and disappointment in many cases.

So, you might be asking, "isn't that false advertising?" The answer is no. In many cases, the mortgage rates you hear about on TV and in the newspaper are 100% accurate, but are only reserved for a select group of home buyers. People with perfect credit, and plenty of cash for a down payment. The rate you get depends on these and other factors.

But even if you have perfect credit and a down payment, you might still end up getting caught in the same situation. Rates fluctuate constantly, from day-to-day and even from hour-to-hour. You might get quoted 4.76% on the phone, but by the time you show up for your application appointment, the rate has soared to 6%. It's more common than you might think.

Mistake #2: Becoming a "Rate-shopper"

Far too many home buyers choose one mortgage company over another based solely on rate. And why not? Shaving a quarter-point off your home mortgage can equal thousands of dollars in savings over the years. But there is a problem. By only focusing on rates and fees, you're missing the "big picture". There are literally hundreds of different loan programs available today. This is because there are so many different scenarios.


There are fixed loans, adjustable-rate loans, jumbo loans, interest-only loans, etc... You might think you're saving thousands, but if you choose the wrong program for your needs, you might be missing out on not only savings, but much more.

This is why it is critical for you to consult with an experienced, reputable mortgage lender who can analyze your particular scenario and offer you a number of options to choose from. By being informed on all the options, you can choose a loan that helps you:

Save money for your retirement or a child's education

Reduce Your Monthly Payment Burden

Earn equity faster

Pay off your home sooner

And much, much more!

This is why we DO NOT quote rates on our website. Doing so would be a disservice to you, the valued client. Instead, we prefer to conduct a FREE mortgage consultation...

FREE Mortgage Analysis. By scheduling a free, no-pressure, no hassle, no obligation mortgage consultation with one of our trained staff members, you'll learn the following:

What loan programs are available to you

Which loan programs fit your needs the best

If you qualify for the best rates

How much you qualify for

What your monthly payment would be for a given scenario

How to guarantee you receive the "Lowest Bottom-Line Cost" on your next mortgage or make $100 in the process. And if, for some reason, you don't qualify, we'll even show you how to get back on track so that you too can live the American Dream.

Don’t Wait! Visit our website today and sign up for your free Mortgage Analysis.
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Darren Meade

To share with you a brief history, I was homeless as a teenager for two-and-half years where I lived in the streets begging for food and change. As you can imagine, my life was filled with a great deal of uncertainty.

By divine grace and guidance, I took shelter in the parking lot of a gym. The owner of the gym noticed me camping out there and after several weeks took me in. Pretty soon I had been adopted by the group of bodybuilders there and was given the nickname 'Pup'.

However, it was after the very painful experience of my father committing suicide six months after getting off the street that I began my personal journey into spiritual growth and began questioning how I could affect a greater number people in a more loving, profound and personal way.

Over the course of several years I went from being homeless to living in a condo on a golf course and representing the United States in international events culminating in winning the middleweight title of the IFBB Mr. North America bodybuilding competition. At the same time I co-founded a nutritional which exploded in the nutrition market and by age 27 I made my first million. Being young, I then squandered my first 3 million to turn around and build it again and again...slow learner at times!

Many of my lessons learned through out my spiritual path have been in the face of adversity. While "crisis" has often had its own way of waking me to the moment and reminding me of what is important to me now, it is not a requirement of this journey.

Just when I thought I had a handle on life, the handle broke.

I've learned another new lesson about life; including truly releasing and forgiving those whom hurt you. In April 2008 my aorta (main artery from your heart) ruptured in three (3) places.

I was given less than a 10% chance of survival and I was on life-support for 3 weeks. During this time the charge nurse spoke to a family friend and informed them they were going to amputate my leg, and that I was to young to die and they needed to transfer me to a new hospital (UCLA).

While I lived, my personal relationship ended within 10 days of my being discharged from the hospital. To be fair the doctors said I might never walk again, and that they believed I would be on a catheter for the rest of my life. I lost 50lbs of muscle. So she was leaving someone who might never be able to walk; make love or be able to return to work. However I've always been an over-achiever.

For instance I went off diaylisis, my bladder which had nerve damage returned to normal, the catheters out and I the leg another hospital wanted to amputate is responding and I'm learning to walk on it once again. I no longer use my wheel chair and am learning to walk without crutches.

The only suffering came from my own thoughts, believing this person would be with me to over-come these issues. I now realize that was the largest blessing of all.

EXECUTIVE BIOGRAPHY OF DARREN M. MEADE


Darren Meade, of Kairos-Meade, has a life, which exhibits the quintessential triumphant story. He was abandoned by his parents and homeless at the age of 14, weighing less than 100 pounds and today negotiates multi-million dollar agreements.

His business career developed initially from his passion for body building. As a youth, after being homeless for two-years, he was taken in by individuals who allowed him to utilize their company gym. Darren focused that passion and successfully won several awards in competitive body building, culminating in winning the Mr. North America title for the middleweight division and represented the United States in international events. His extensive exposure in competitive body building assisted in developing relationships with industry leaders in the medical device and nutritional supplement industries.

As Darren rapidly progressed in
professional endeavors, he designed a new business model not yet used in the industry for a then unknown nutritional company. The retail experiment led by Darren worked, and within two years he drove sales from $1 million to in excess of $40 million.

Moving forward to his next success, Darren proved that he could do it again and took another company to $35 million in a single year. He diligently oversaw all facets of assisting an international research organization´s quest to gain acceptance in the U.S. biotechnology sector by partnering with one of the world´s largest biotechnology companies within only five-months. This was accomplished after the organization had tried for years and used over 50 consultants and development personnel without results.

A key to Darren´s success is his passion for each new business he enters. He specializes in building profitable long-term relationships with clients, vendors and staff.
He has proven that success is contagious.

In addition to his business accomplishments, Darren has actively participated through service of time and finances to homeless shelters and civic community organizations. He is a Deputy CEO of the Invisible Youth Foundation. Darren recently volunteered on Arnold Schwarzenegger´s successful run for Governor. Due to his efforts, he was offered a position in Sacramento. He was selected by the Orange County Register to write columns regarding the process of the campaign through to the inauguration and planning for policies.