Welcome to the Truth In Equity® Testimonial Page. All the testimonials provided are from folks that have gone through the "Steps To Become Debt Free". Step 1: Watching the Videos. Step 2: Submitting the "Personal Profile" and Step 3: Participating in the personalized online meeting. These very easy steps reveal the Truth In Equity.

We have 100% satisfaction, 100% retention and all our customers are exceeding projected results. We provide access to our customers for personal referrals. Many of our customers love telling their story. If you are involved with a Truth In Equity Financial Strategist, we invite you to contact current customers. This one act of verifying results dispells the "Too Good To Be True," myth and the "Who Else Is Doing It," syndrome. We welcome any and all onlookers to test the results. As we love to say: "The Truth Is In The Proof^TM".  Visit the Referrals page.
 

 

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-----Original Message-----
From: Gregory W
Sent: Tuesday, February 16, 2010 10:51 AM
To: Diana Lagarino
Subject: RE: Truth in Equity

Diana, I have called and left a couple of messages. You are correct things are going very well to be honest, this has been the single best move I’ve ever made financially. I received a stock option distribution at the end of 09 to the tune of $150K. No thought needed as to what to do with it. Within the course of one month our interest to service the debt on the house was cut in half, and compounded the net balance paid down by over $500.00 per month. Our starting balance was a little over $320,000 and today is right at $150,000.  I am way, way happy!!!!!

Greg W
Denver, CO

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 -----Original Message-----
Sent: Wednesday, February 10, 2010 2:49 PM
To: Bill at TruthInEquity.com
Subject: Re: TruthInEquity

Hi Bill,
Thank you for your time with us, Tim and I felt that you are an honest and competent man. My head was spinning at the end of our conference call ( I learned so much from you). You are very good communicator and passionate about what you do! I plan on contacting three different size banks to see if I can get a line of credit so we can proceed in becoming debt free company. I'll call you when we get somewhere.
Again, thank you for your time and if I can be of any help, please let me know!
David S.

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 Hi Kristin,

Nice to hear from you. I am doing well and hope the same for you. I looked at the redesigned website and it is really nice. The segment with Jordan Goodman sells itself. I don't have any questions about the program. I put as much money into my account as I can. Can't tell you enough how glad I am to be a part of Equity Advantage. In 19 months I've paid down my mortgage by 40k. This economy has been tough but I hope profitable for you. My regards to Bill. He may not remember me but the fact that he met with me back when made a big difference. Everything you and he said about the program is true. Take care and stay in touch. -- Len  

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 Kristin,

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 Bill : thanks for the personal note...It goes a long way in showing me what kind of company I'm dealing with, and all I can tell you is that its been a very long time since I have come across a company that impressed me this much. The fact that you have taken the time to welcome and encourage me personally has impacted me in more ways than you can know...Thank you !!!
 Jaime A. 

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 I just want to share this one thing. The other day Lina was paying the bills and she said “wow, I’ve never been able to pay all of them before, I always had to wait for other pay days.” Dude I have a lot of money I didn’t know we had. We have been shopping and doing other purchases just to get the feel for how it all works. After the next two pay periods we will have our live chat.   Just wanted you to know that.

WE were spending $3470 a month to service $232,885 in debt; mortgage, various credit cards and personal loans and one vehicle.

Consolidation into TIE program, to service the same amount of debt only costs $775 a month, improves cash flow by $2695, with projected payoff of 5 years.  Even with a variable rate possibly climbing to 9.5% by payoff date we are still in better shape.  I used to be afraid of variable rates but now I have the Truth In Equity and fear no more.

Thanks,

Kevin H.
 

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Dave,

Thank you once again for getting me into this program.  I can’t stop talking about it and playing with accounts etc.  Yes, it is going to become an obsession.  I suppose there are worse things to be obsessed over right?

Thanks,
Steve G.

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         (Customer writing Rob who is a prospect asking for a referral)  Great testimonial

HI Rob,                               
 

Yes, I am very, very happy with the program. I've been in it for about four months. I just made my third payment which was $300 less than my first payment. The first payment was about $1170, and this most recent one was about $870.

We had rolled two car payments, 2 credit cards, and a mortgage all into the HELOC. The monthly payments of all those prior to the refinancing was over $2,500 per month. Now it's all down to $870. According to my math, it'll be down to less than $840 next month.

It was good timing for us...we threw our tax return at the balance, and interest rates have gone down...so that all helped. It seemed to good to be true, but it is working just like Bill (Truth In Equity CEO) said it would.
It all seems weird, but it's working very well. Our principal balance has dropped from over $200,000 to less than $190,000 during those four months...that would not happen with a conventional mortgage.
 
Karl S.  Albany, NY

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I met Bill Westrom on a flight to Tampa, Florida in the summer of 2006. Little did I know how much this meeting would alter my life. At first we talked about the things strangers talk about on a two hour flight, but as we progressed to what we did for a living, the conversation took a more serious turn. I shared with Bill that my wife and I were right at fifty years of age, and both us were nursing home administrators. He told me he was in the mortgage business, but not exactly the conventional mortgage business as most people know it. I proudly informed Bill that we had taken only a 15 year mortgage so we could retire at sixty-five with our mortgage paid.

At this point, Bill began to explain his program to me. At first  it was difficult for me to get my mind around the concept. As I started to comprehend  the plan, on our airline napkins, I started to see  the "program." I emphasize the word "program," because it is a program that must be worked to be effective. Finally, just before landing I understood what this well conceived idea could do for us! It would allow us to be completely debt free in 48 months! I explained to Bill that it would be a tough sell to my very conservative wife.

Finally, after many discussions, my wife and I started the program late in the summer of 2006. A funny thing happened to us shortly thereafter. We paid off all our debt, including both cars and the normal credit card demons. We began paying all our former monthly debt toward our Line of Credit. Unbelievably, you could actually see the principal amount plummeting before your very eyes. We then became almost obsessed with paying every spare penny towards our principal.

Are we still on track be debt free in 48 months? Actually, no, it has been pushed back a few months. The reason for that however, is that this incredible program has allowed us both the freedom and the security for my wife to take 6 to 12 months off work to enjoy some time with her parents and our grandchildren.

How many mortgages can do that for you?
Mike C.  Greenfield, IN

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Hi David,

We hope that your holidays were wonderful. Ours was great and a major part of that is due to you and your fantastic financial advice. After a couple of years of being unable to lower the balance on our loan, we have reduced it by $9,000 since September. Earlier this year, I prayed not for wealth but the ability to reduce our debt and God sent you to us via Jordan Goodman on the radio. I am so thankful for how you have changed our lives.

I will be emailing you in January for some advice on my 2nd job. You had mentioned LLC’s to me before and I need to figure out what to do. But today is for thanking you and wishing you the very best for 2008 – you have changed our lives irreversibly.

God Bless,
Lisa & Steve G

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David:

Just thought I would send a thanks and an update.  I’m on track to pay $5,000.00 on my first mortgage principal January 1.  I can hardly believe it.  I also received a small retirement fund liquidation from my company as they are doing away with that program.  Instead of rolling it over to my 401k, which I no longer believe in, I decided to go ahead and pay the taxes now and use the money to pay off my credit cards.  Then, I closed them all out except for my American Express Membership Rewards card.  I have one other credit card (other than my checking account and heloc debit cards) and that is a corporate card for my work related travel.

My cash flow is better than it has ever been and I’m working on building up a few months worth of savings in my B of A account also.  For the first time in years I don’t feel weighed down under debt that has no foreseeable end.  I anticipate that I will be able to pay at least $10,000 to $15,000 more this year on my first mortgage principal after the initial $5,000, even if I have some unforeseen house and car expenses (my house and car always seem to know when I have a little extra cash!)

I just can’t thank you enough for your help and guidance.

Melanie

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Sometimes good people make bad decisions.  My husband and I found ourselves in one of those nightmares that you read about.  Our affordable investment home was supposed to be a sure thing and a quick turnaround.  Certainly no one can anticipate a downturn in the market, but due to incompetence (whether accidental or intentional) on our broker's part and an uncooperative lender, we found ourselves with thousands of dollars in unexpected bills.  The modification from construction to permanent loan that the lender offered was very unfavorable and we feared there was no fair solution in sight.  Thankfully, we found IFS, and Bill and David helped us make lemonade out of our lemons.  We're hopeful their sage financial advice will help us survive for the short term and perhaps even see a profit in the long term."

Ann Marie
Winter Park, Florida

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Hey Bill,

Great to hear from you. We are working the program and doing great. .... In December it went down $7000.00. It is very exciting to watch. Our goal is to be debt free in under 48 months. I will have some questions on some things in the near future. I am glad things seem to be going well for you. Say hello to your wife and kids from us.
We are heading to Chicago tomorrow for a long weekend.

Mike

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Bill,

Before my wife and I found out about Truth In Equity, we had been working for our mortgage but our mortgage wasn't working for us.  The day I heard about this program on a Christian radio station I like to listen to, a guest was explaining how indebted homeowners could save thousands of dollars following a method offered by Truth In Equity.  That evening, I visited their website and filled out a form requesting more information.  Soon, I received a call from one of their financial consultants, who explained this revolutionary way of controlling personal finances and accelerating debt reduction.  Now, having applied the principles and having actually operated the Equity Advantage program for a few months, my wife and I have come to realize just how powerful and beneficial this program truly is.  The combination of the Equity Advantage program and online banking has given us control of our personal finances.  We live in the information age, and the information the Truth In Equity team provides is already saving us money and has forever changed the way we handle our personal finances.  We are grateful to have found Truth in Equity and Equity Advantage.

Warren M
Cleveland, OH

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Dear Amy,

I had a chance to review other similar programs that use the same principles. All of them have thier own unique features and limitations. What I like about yours is that it gives flexiblity and liquidity from day on3. With two children entering a highschool, I need that liquidity that your program provides.
However, I have to be honest. I found the program scary if one is not disciplined. Having access to all that money at the tips of a finger may be very tempting in hard time. I have also reviewed those that sale expensive software programs and those that use the existing home equity line I currently I have. But they are too rigid.

After reviewing all the options, I found yours more fit to my needs and decided to go with your program. Please call me or e-mail me at your convinience and let us go to the next step.

Bisrat

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Mr. Westrom,

I can’t begin to tell you how excited I am to finally get this loan.  I’ve been trying since Sept 07 to convince my wife about its usefulness.  I had to use a local broker at first, but after appraisal & doc signing, lender was unable to fund (9-08).

My wife suggested I contact my first source….YOU and David.

During the year she would ask what I wanted for my birthday, Father’s Day, Christmas, etc.  …and
I would say I wanted this loan.

I got Christmas early this year,

Thanks,
Joe
Phoenix, Arizona

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Bill,

This is HUGE!! I am so happy and thankful financially regarding this switch in my mortgage. From a musician who struggled his whole life financially, to making some positive changes and committing to ongoing education about ten years ago, to this financial action? Are you kidding me? This is huge. Ten years from now (if the world still exists and the entire financial markets haven't collapsed) I am going to be financially so much better off so I understand the time implications here. Thanks from my heart and thanks for the ongoing support...I will certainly be in touch with both you and Kristin to keep learning and improving my financial decisions and actions.

Todd O.

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Bill,

Clark Howard, the radio show host seems to be spreading some negative news about this mortgage acceleration concept.  I plan to contact him and let him know that we are happy with the program - go TIE!  Thanks to you and Kristin for all of your personal attention...more than we'd ever get from a mortgage company/bank!!

Best,
Heather

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Basically, this program has been the best thing that could have happened to us other than someone just paying off our mortgage.  We know that will never happen.  In 2007 I knew I had to do something to get our finances in order.   We had vehicle payments and some credit card debt that I wanted to consolidate somehow.  I heard about this program while listening to my XM radio and decided to check it out.

I am a skeptic and my wife is a "super" skeptic when it comes to getting loans and deepening our debt.  I decided to go ahead and fill out the forms on the website and within a short few days I got a call.  I put off doing anything about it at first and after a couple more calls from "T in E" I listened.  It sounded real good.  Then I got my wife to listen.  We had to come up with a little up front money but it was minimum compared to the benefits of the program.

We refinanced in February 2007.  If I hadn't done that we could have lost everything just a few months later.  In May I was diagnosed with a brain tumor.  I lost my driving job and we had to live off our savings for several months.  The operation was in July and I was released to drive my own vehicle in October, but no more commercial driving.

During this time my wife's check paid on the mortgage and our savings covered everything else.

With our former mortgage we would have been out of debt by the time we reached 75 or 76 years old, or in other words, about 15 more years.  Now even with the set back of not having the same income as before, we will be out in less than eight years.  If I could have kept my job as a driver for a couple years more, we would have been out of debt in about three and a half to four years.

This plan works if you work it!  If you are using it to just get another home loan and then charge up your debts again such as credit cards and car loans, then why do it?  You will just get yourself into a jamb again.  It will take some discipline but it is well worth it.  This plan is the best way to get out of debt that I have ever seen.       

I hope this helps you,  Feel free to write again.

Sincerely,

A. Mayberry
Kingman, AZ

Austin is one of our more remarkable customers. His story had many of us in tears. He has made numerous efforts to help others Get More Out of What They Own and What They EarnTM.

God Bless Austin.

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Hello Diana,

Thanks for thinking about us.  Thanks to you and "Truth In Equity", Ramona and I are going very well.  I will fax to you our latest statements so that you can see for yourselves.  We are following the plan you laid out and it works.  We hope that you and yours including the "Truth In Equity Family" are enjoying a safe and pleasant holiday season.

Joseph & Ramona R.  Philly, PA

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One of our customers writing to a CNBC News Journalist

Dear Mr. Schoen,

I very much appreciate your informative and insightful reports on business and financial news but I must disagree with your position on mortgage accelerator programs.  While I understand that many, if not most of those programs are less than helpful with paying off your mortgage, the “Truth in EquityTM” program offered by the IFS Development Group is different.

I first heard of Truth in Equity when it was highly recommended by Mr. Jordan Goodman during a radio talk show.  Mr. Goodman’s description of the program made it seem too good to be true but I decided to investigate it anyway.  David Welles, the COO of Truth in Equity, spent a considerable amount of time on the phone with me and hosted a couple of on-line meetings in order to answer all of my questions.

Finally satisfied, I started on the Truth in Equity program in June of this year.  I withdrew enough from my HELOC to pay off my mortgage, (I still had 20 years left on a 25 year fixed rate at 5.75%) and $10,000 to pay off an auto loan.  I also paid off almost $60K in school loans for one of my children.

My November statement shows that I have paid down over $10,000 of my principal.  In 5 months, I have lowered my principal more than I did in 5 years on the fixed rate mortgage and if I simply stick with the program, I will have everything completely paid off in 8 and a half years!

Mr. Schoen, while it's not for everyone, the Truth in EquityTM plan works.  Perhaps you could spend some time with David Welles and see how this program is different.

Best regards,

D. Upchurch

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Hello Ty,

I apologize for not getting back to you sooner.

Basically, this program has been the best thing that could have happened to us other than someone just paying off our mortgage.  We know that will never happen.  In 2007 I knew I had to do something to get our finances in order.   We had vehicle payments and some credit card debt that I wanted to consolidate somehow.  I heard about this program while listening to my XM radio and decided to check it out.

I am a skeptic and my wife is a "super" skeptic when it comes to getting loans and deepening our debt.  I decided to go ahead and fill out the forms on the website and within a short few days I got a call.  I put off doing anything about it at first and after a couple more calls from "T in E" I listened.  It sounded real good.  Then I got my wife to listen.  We had to come up with a little up front money but it was minimum compared to the benefits of the program.

We refinanced in February 2007.  If I hadn't done that we could have lost everything just a few months later.  In May I was diagnosed with a brain tumor.  I lost my driving job and we had to live off our savings for several months.  The operation was in July and I was released to drive my own vehicle in October, but no more commercial driving.

During this time my wife's check paid on the mortgage and our savings covered everything else.

With our former mortgage we would have been out of debt by the time we reached 75 or 76 years old, or in other words, about 15 more years.  Now even with the set back of not having the same income as before, we will be out in less than eight years.  If I could have kept my job as a driver for a couple years more, we would have been out of debt in about three and a half to four years.

This plan works if you work it!  If you are using it to just get another home loan and then charge up your debts again such as credit cards and car loans, then why do it?  You will just get yourself into a jamb again.  It will take some discipline but it is well worth it.  This plan is the best way to get out of debt that I have ever seen.       

I hope this helps you,  Feel free to write again.

Sincerely,

Austin Mayberry

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Hello Amy,

You're correct....some time since we talked.

I did give The Bank $400 for an appraisal and the bank actually called me (Jeff) about 5:30pm last evening and told me that he did have the appraisal back for $332K a little more than I estimated the house would be valued at.

He indicated that he had discussions with David Welles yesterday, concerning the structuring of the loans I am attempting to obtain.  I was pleased to be informed by Jeff that David had actually contacted him.  Pleased in the sense that it is amazing that Mr. Welles is taking a personal interest in my success through your program.  That truly is something.  I want to personally thank him for that.

Jeff indicated that he is working with his processor and underwriting to come up with loan structuring that will work.

He indicated too that the credit card debt was high (I know that as do you all too), so they were trying to structure the loans to allow them to limit their risk and at the same time accomplish for me what we need.  *I personally believe they would really have very little risk having the home as hostage but that is my take since I know me and that as long as I have income revenue I will be paying my obligations that I have legally incurred as a sacred action I must do as I always have. I am committed to the Truth In Equity therapy for getting in a better personal financial positon too obviously.

Mr. Welles taking the iniative to call Jeff on behalf of my wife Fran and  me was HUGE, but too it allowed the bank to continue in the process of understanding what I will need to make this work as Jeff indicated.  He felt they had come up with a workable solution for the structuring of the loans.  I hope so.  The issue that remains is getting all of the underwriting process completed as I understood it from Jeff, and so he told me that he will be calling me by Monday.

I again would also like to personally thank Mr. Welles for taking his time to get with Jeff and for taking a personal interest in our success with his program and the fact he did not call to tell me, although that would have been swell, but rather he JUST DID IT quietly!  That tells me all I need to know about him.  I hope my c.c. to Mr. Welles will accomplish our thanking him for this.

Long winded again, but thought this was a good opportunity to update you from my perspective, since there was not much to do but wait until the appraisal came back.

Please give me a call but around 9AM Eastern time since today I am going to be in a continuous mode of customer appointments and conducting a sales meeting, since I would like to talk with you.

Thanks,
H. Gold

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Hi Amy!
 
Just checking in to let you know where things stand since Steve's day at the Buffalo Bank! We had to wait about a week before Mike called and said everything looked good. Then Tues. we had to fax some pay stubs and our 2007 tax info. Mike called to say he got them and again said everything looks good. I don't know what we're waiting for now ,but am i ever glad we moved on this when we did because with the rates going down there will be  a lot of refinancing going on. And we thank you for helping us get started because it put us at the front of a big line! As soon as we hear anything new, i'll get in touch ,because once we get this ready we'll be asking what we're suspose to do with it!! Thank you so much for working with us. I was really scared and nervous  at first but ,you,ve been there just like you said you would be.Besides that, your      confidence and bubbly  personality has even made this kind of fun! I go on the web site and read the articles and thank God He led us to TIF. HAPPY HOLIDAYS to you and yours.
 
Sincerely,
Steve & Jeanne Carlson

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Hi.....I read the comments regarding mortgage acceleration programs and would like to give you my perspective.  I went with "Truth in Equity" and have experienced very positive results.

First, I would agree that the cost of obtaining this type of financing is expensive, but so is obtaining any type of refinancing.  Considering the high dollar amount of my available equity I think the cost involved is in line with what I would have paid to obtain the same dollar amount in mortgage financing.

Second, prior to the program I had a mortgage interest rate of 6% and was paying extra monthly principal to accelerate the payoff date.  However, I was stuck in a compound interest debt instrument and my monthly accelerated principal payment was limited by a need to maintain large cash reserves for the unexpected.   In other words, my total positive monthly cash flow was not being utilized to pay off my debt, which is my utimate goal.  With this program I have eliminated the need for large cash reserves and those funds are now freed up to retire debt.

Third, I now have a consolidated simple interest debt instrument, and since I obtained my financing during an economic downturn my original rate of 5.5% is now 4.5%.  Yes it can adjust up but only as quickly as the prime rate.   In any case in less than 2 years I will be debt free.

Fourth, had I remained in my previous mortgage and continued to pay extra monthy principal my mortgage would be paid by 2014.  Under this program all my debt should be eliminated by early 2010.  When I crunch the numbers I come out ahead even considering the cost of refinancing.

Fifth, in 2010 I will no longer be burdened by obtaining new financing for any major purchase, home maintenance, covering my daughters college  tuition, or for any other purpose.   In other words I will be able to utilize my equity and my house will be my bank.  That is what I like most about this program. 

In closing, like any financial tool it has to fit your individual circumstances or it doesn't make sense.  If you don't already have a positive monthly cash flow or you are  currently
highly leveraged this program will be of little benefit.  

And again, you have to have specific goals in mind and be disciplined enough to obtain them.  In other words retiring all your debt must be your first objective.  You must have the discipline to avoid the temptation to utilize your equity for new spending before paying off existing debt.  So, this program isn't for everyone.

There are millions of stupid people in this country and this last election proves my point.  But, unless you crunch the numbers, know your goals, and apply the program to your specific circumstances you can't make any blanket statements about it's value.

Thanks Vince

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Hi Todd,

No problem, I'd be happy to give you my feedback. Basically, it's been phenomenal for our finances. My wife and I have been in it about 10 months. We started with about 205,000 as principal when we refinanced with Bill Westrom (that included house, 2 cars, a couple credit cards). Now our principal is down to about 160,000.

Our mortgage payment alone was over 1,300 a month before refinancing.
Now the total payment on the new loan is under 1,000. It has freed up more than 2,000 of income per month after wiping out car and credit card payments and then reducing the mortgage payment, and our loan principal is down by over 40,000. I was nervous about doing it too, but  It has turned out to be  the best financial move I ever made.

I email Bill fairly often, and he always gets right back to me, usually within minutes. He's  helpful with all kinds of financial questions, not just regarding his program.

I probably sound like a salesman, but I'm telling you the truth. This program has really turned my finances around. I wasn't desperate or anything prior to getting into it, but it really has just made me see that there are alternatives to being stuck in a conventional mortgage. If you have any other questions let me know.

Karl

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Diana,

Thank You so much for your help last night I really appreciate when someone will help me to achieve my family goal of becoming debt free. You and Bill have been wonderful and I am looking forward to learning about this program so I can share it with others.
                                                                    Thanks again, J. Prentice

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Current balance is about 156,000. Last payment was 735.

With a 735 payment, that gives us a net income increase of about 1,500 per month vs before we were in the program.

Gross monthly income has actually dropped a bit because we sold one house, but the expenses have dropped also because of that. So overall, we're well ahead of what we were on a monthly basis before we started the program.

K. Swisher

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Orlando,

The fact that you have been speaking to the folks at Truth-in-Equity means you are already half way there.  Unfortunately, I can’t answer any of the specific questions regarding who I finance through, for how much or what my costs included, but I will tell you a bit about the program and my experience.  After speaking with David Welles for a few months on and off, I figured out that what this program basically amounts to is a low-interest credit card account for which you put up your house as collateral. 

Think about it.  How does a credit card work? You have a balance and you keep paying on it each month.  If you don’t pay it off, they charge interest to the account. The interest is your house payment. The amount of interest they can charge you is less each month so long as you keep paying those payments.  Here’s the great thing about it…  They only charge interest on what is left in the account, NOT on the total balance that you started with.  What a great idea!  The only thing tricky about this program is to not look at your equity balance on any given day and think “wow, I can spend all of that!”  Well, you can’t.  Because if you do, you end up making your mortgage last even longer than it should.  However, unlike making extra payments on a conventional loan, you can freely take money from this account (and deposit) any time you have to. 

Here is what I do.  Every time I get paid, I deposit money into the Equity account.  I keep about $300-$400 in my checking account but no more.  The more you keep in the equity account, the less daily interest they can charge the account, etc.  When it comes time to pay a bill, take it out in a lump sum and pay it.  With any luck, I can usually get paid before the bill is due and NEVER take the money back out.  I did make one large move recently.  I paid off my truck.  I was paying 6.89% on it and losing about $60 a month in interest.  If I take the payment I was paying the holder of the lien on the truck and pay it into my equity account (having used the account to pay off the truck) I will have the truck paid off in less than a year and it will only cost me about $90 a month as opposed to the $60 a month for the next 5.5 years.  If you look at David’s spreadsheet, it all makes sense.  I kind of cheated and made my own to look at all the possible scenarios.  This program works as long as you have some $ left over at the end of each month after you pay all your bills.  It’s ideal for those that like to pay additional payments on their traditional 30-year home loans.

I hope this helps.

Thanks,

S.  Glasenapp