At last...a step-by-step insider's recipe book to slash your loans, do short sales while keeping good credit, get your lenders to be reasonable, and sell any property in nine days

Insider secrets that will shock you...especially if you've bought into the lies and half truths that you hear all the time

Most people believe a lot of lies and half truths about mortgage relief, quick selling a house, and credit:

You have to be behind on your payments to do a short sale. Wrong! Many short sales are done every day by people who are never late on a single mortgage payment. I cover this in my Mortgage Relief Formula home study course in detail, how you can do short sales for yourself or others...and never miss a payment so you keep your good credit.

Short sales really hurt your credit. Wrong! Not always...there are many ways of doing short sales that don't hit your credit more than 25 - 5 FICO score points...and I show you how that is easily fixed. Even if you have bad credit, you may (or may not) be a good candidate for a short sale...and I show you how to tell so you don't waste a lot of time and money.

You need to list a house at a certain price, see if it sells, then drop the price gradually until it sells. Wrong! This formula is right for an up market but exactly wrong for the down market we are in now. Your house (and your listings) will sit on the market along with everyone else's. I show you how to list houses (yours or for clients) so you get multiple offers and sell in days, not months.

Credit card companies will sue you if you don't pay, and your credit is ruined. Wrong! Only about 1% of people who stop paying on their credit cards every get into litigation. Almost everyone can settle their debts for dimes on the dollar and actually improve their credit. I show you the exact way to do this, with specific step by step instructions, examples of letters to write, and so forth.

A Nine Day Sale is only for FSBOs. Wrong! The Nine Day House Sale works for Realtors, it works for owners selling. It is the most powerful way to get a market price and be in escrow or settlement in nine days, for short sales or regular sales. It can build your career if you are in real estate. It can make you tons of money if you are a real estate investor. My Mortgage Relief Formula home study course shows you how to do the 9 Day Sale step by step.

How the right techniques will work for you and your specific situation...but not the the way you think!

My name is Richard Geller and I have had hundreds of individuals, couples, real estate agents and mortgage brokers buy my course and apply it immediately to their situation. And I have had hundreds report that it has worked for them.

My Mortgage Relief Formula course helps by teaching you the exact steps, cookbook style. And it isn't the blather that people are used it.

It is specific.

It is often edgy.

It is legal.

But it almost gives you an unfair advantage.

So you can follow the system to modify an existing loan. Or do a short sale. Or sell any property in nine days. Or buy with no money down and without a credit check. And even slash credit card debts without bankruptcy.

It has worked so many times and for so many situations.

And the reason I am writing you this letter? It's because I was lucky -- or unlucky...enough...

Through the darkest hour -- a short sale and deed in lieu
My story may interest you.

I have been through a major real estate crash. Our house doubled in value in just two years, then fell to less than half! Meanwhile, I had refinanced and drawn out huge amounts of money to finance a real estate foreclosure investing and mortgage business!

Talk about double whammies! Ouch!

Not only was my house on the line...but I now was hundreds of thousands of dollars underwater.

I had started and run my own a mortgage company and property investment business. I focused on buying and selling pre-foreclosure properties and my partner developed apartment buildings.

We were on the top of the world. Nothing but blue sky ahead.

And then the real estate crash came. The last crash, the one in California.

And it was devastating.

I will never forget those sleepless nights. I worried and fretted about everything. Not the least of which was my marriage. And how much I owed. And bankruptcy. And bad credit.

And tax liability. (I worried for literally years every time the mail came, fearing an IRS letter that would tell me I was financiall ruined.)

I got out of it almost unscathed. Except for my house and one apartment building that I still owned. Uh oh!

I didn't know what to do.

That was in the days before Mortgage Relief Formula was available

Remember, although I had been in real estate for quite some time, although I had negotiated millions in property sales and loans, I had no idea what a short sale was or how to do one. I hadn't a clue about deed in lieu of foreclosure. I simply did not know anything about these, even the words were not in my vocabulary!

Well, I was fortunate to have some wonderful mentors. And they taught me so much. So I ended up learning what a short sale was. And I did one on my own house. And I did a deed in lieu of foreclosure on the apartment building.

Happily, my wife and I are still together. And after that experience and years more of research and experience I developed the Mortgage Relief Formula.

But first you should know why you can't just snap your fingers...

...and have someone else solve your problem.

Because isn't that what got you into trouble in the first place?

You can't rely upon others to get you out. Even if you have someone help you, you still are the one who is responsible for what they do -- or don't do.

Knowledge really is power. And so you owe it to yourself to acquire the knowledge that is in this powerful course.

How is this course different from those that cost $2000 or $5000?
Courses come and go. I know because I have tens of thousands of dollars worth of courses downstairs. And I also have helped develop a number of them myself, most recently for a well known real estate guru.

What I have elected to do is go for volume. I am going to have thousands of my course purchased. And I am switching to an electronic download version, so the cost of each copy is tiny. That way I can get the course to the most people, like yourself, who need it, at the lowest cost.

I have no other agenda. I want to help a lot of people out and if I charge $995 or $1,495 or even $2,995 like other courses (which are not as good) then I'm not going to accomplish my mission.

Because I believe charging very little is 1) good business, and 2) the way for me to make the most money, and 3) great for you, too.

I do admit that I could charge a lot more and I go back and forth on doing so. For the moment though I am settled on the low, low price...

And if you are in the real estate business...
This information is idea if you are trying to make a freakin' fortune in today's falling market. Or if you are just trying to help yourself. Even if you are getting yourself out of a mess, you may find that the skills you acquire are invaluable to friends and family. Who knows, maybe you will get into the business of helping others, like I do. There is a lot of money to me made helping others and you feel great doing it.

Marxia Liwag, real estate agent, Los Angeles, California (not her real picture)

"Everything you said on your home study course was right"

"I have never seen a system so effective in selling homes FAST in today's market. I read your home study course, Mortgage Relief Formula and listened to the CDs. I also participated in the conference calls that you have set up for your subscribers. I must say that after I learned about your 9 day home selling system, I was so excited and believed in it so much that I have trained more than 50 other real estate agents in our Brokerage on how to work this system. "

"I then experience it last weekend as I put it to the test. And boy, it was like the book was coming alive right before my eyes.

"Everything that you said on your home study course was right!

"I listed a townhome in Van Nuys for $310,000 to short sale it for the owners. This was the lowest comparables in the area. Then, I started marketing the home. I put an ad on Craiglist Wednesday before the open house, just like you recommended and continued to post it on Craigslist daily.

"I modify the ad a bit so carigslist will let me post it daily. I also created an eye-catching flyer and distributed them in the neighborhood and blasted it to my email list and my title's email database.

"I didn't have time to place an ad on paper since the seller was in a hurry to have the open house and SELL. And we did SELL it.

"We set the starting price at $160,000 (50% of the market value) and sold it for $245,000 after the weekend was over using the round robin approach. We went into escrow Monday and is now working with the law firm who would handle the short sale negotiation with the lender for us.

"I generated so many buyer leads from this open house that my team and I are extremely busy in helping these people find homes for them."

And if you are a regular Joe trying to get out from one or more properties that are "upside down"

See what Steve S. wrote. Steve has handled both his short sale and crushing credit card debts, using Mortgage Relief Formula.

Steve from Ventura (not his real picture)

"You don't have to feel insecure about... not being able to sell your house"

"I wanted a way to sell my house in a terrible market. I had lost my job and my company shut down. Prices are dropping every week.

"I enrolled in Richard's course to sell my house. It is so detailed you can do it yourself. You don't have to feel insecure about realtors not being able to sell your house.

"I personally recommend Richard's course. I have looked at a lot of courses but I haven't seen any other course that gives the step by step resource that lets you get out of the stress of foreclosure.

"Richard's course also has great help on credit cards and I know that creditors can't threaten me anymore. The CDs have some great information about credit cards. You can negotiate. This tells you how.

"This course is perfect. There is nothing like it especially if you are in the real estate business. This course tells you everything you need.

"And now I am doing my own debt negotiation. You don't need anyone. I am saving thousands of dollars. I think this is a win-win deal. The price is nothing compared to what you get out of it. I jjust got off the phone with a major bank that I owe money to. I owed $12,000 and they cut my debt to $6,000. I said "you give it to me in writing, and I'll pay you each month." I have a written offer and got 50% off my debt just by following the information in Richard's course."

Backed by a most unusual money back guarantee...
That's why if you try my course, I offer you a complete, 100% money back guarantee for 365 days. You can keep the course and I will refund 100% of your money... and I will give it to you, no questions asked. Plus you keep the course!!

Why do I make this unusual guarantee? Because I do not want you to pay a dime for my course unless it has brought you true peace of mind and unbelieveable value. I know there will be some freeloaders who will order the course, use it, and get their money back. But that is more than made up for all the honest people who will try it out and see how wonderful it is.

I take all the risk. You have no risk whatever.

Mortgage Relief Formula comes as a download so you can get instant access. It includes a constant stream of updates and information that you will find give you the edge you need to get out of your situation and help others get out of theirs.

So what's in the Mortgage Relief Formula?

And this product is not just a course. It's put out by someone who has helped hundreds of people with their problems...including multiple properties, out of state properties, several mortgages, lenders who don't return calls, lenders who say no, divorce and co-signers and all sorts of other situations.

Why do some people call my information unethical?
The lenders don't want you to know this stuff that I teach you.

It's like napalm, this information. It will burn and scorch them! Some people argue it isn't ethical. I don't agree. Because fair is fair.

Yes, I teach you to settle debts without paying them in many cases.

Yes, I teach you to preserve your credit. Sometimes your credit will take a big hit but if you use my methods it can come back in a surprisingly short period of time.

Yes, you can turn the tables on your lenders and put them in the hotseat.

How is that a bad thing?

Justin in Las Vegas (not his real picture)

"I had somewhere from 60 to 70 groups of buyers come through."

"I purchased your course and did the nine day house sale. It definitely worked.

"I had somewhere from 60 to 70 groups of buyers come through.

"I have a high price point house, over a million dollars. I advertised it according to your system. I started bidding just like you said. I got an offer well over that amount.

"It isn't what I wanted but on the other hand, I think it's a fair offer and I am thrilled.

"I have a first and a second mortgage, with different lenders, so I know the short sale is more difficult. I look forward to getting that all completed thanks to your help."

This course lets you do things yourself because:

1) It is entirely step by step, cookbook approach. And there are constant updates to it so you will be up on the lastest.

2) I hold nothing back. I am offering you thousands of dollars of information in such a way that you can handle things yourself or find someone to actually do the job for you. You'll be an expert. And even if you have someone else do the negotiation for you, you won't be at a loss. You will know as much as they do about your situation and how to fix it.

3) You will be able to turn the tables on the loan companies. I even teach you some nasty "Truth In Lending" tricks that will shock you. No need for lawyers in many cases, and yet the lenders may credit you with thousands in interest, and settle with you your way on your terms. This stuff is not for the faint hearted but I teach it all to you.

What information is covered?

Never before has this stuff been presented, step by step this way. Finally, you will know more than anyone around you about what to do in a situation where someone is "under water"! And you'll be an expert in keeping good credit while negotiating mortgage relief and debts down.

If not satisfied within 60 days, I will refund 100% per your money and you KEEP the course!
I never buy anything on the web without a money back guarantee. And I suggest you don't either! This product, since it's mine, I offer you with a complete "All Smiles With One Email Guarantee".

Which means that if you decide all this information is a bunch of garbage, within 365 days, just by sending me ONE EMAIL, I'll acknowledge and be happy to refund your money with a smile.

And I'll do more than that.

If you cancel, I will not only give you 100% of your money back...I will let you keep the entire course with my complements!

And I mean I will refund your money with a smile! Just one email will be received and acknowledged, and I will put a full 100% credit through so you will be completely 100% with all your money back and KEEP THE COURSE ENTIRELY FREE.

My All Smiles with One Email Guarantee means that you can try this information instantly, like right now, even if it's 2:00AM on a Saturday night. I will grant you instant access and you will be learning how to get a whole new start.

"But I want someone to modify my loan or do my short sale. I don't want to do this myself"

Sure. I know that. But let me ask you, what got you into this mess in the first place?

Lack of knowledge. Listening to other people who wanted to sell you a bad loan, or an overpriced property.

Now isn't it time you got the education you need? The past is done. But now we are talking about your financial wellbeing, maybe your retirement, moving forward. With the information I will teach you, you will know how to get out of your situation.

Lots of people buy Mortgage Relief Formula and then have someone else guide them through the difficult steps of debt settlement and mortgage short sales. Difference is, now they know what is being done. They are no longer a victim, but now they are on top of the situation.

"I'm a real estate broker. Can the course help me?

You betcha!

I deliver a separate version of Mortgage Relief Formula to you. This is perfect whether you are aspiring to make money in real estate, or are in the business hot and heavy.

The Pro version is what you want. The Pro version has so much to it that will help you make this your best year ever! You can't fail to pick up enormously valuable tips, even if you have done 10 or 20 short sales already. A real professional constantly gathers new information just as a good doctor or a lawyer does.

Because I want you to get the most up-to-the-minute information, as part of the Pro version, I deliver you new information just for professionals. And additional bonuses...you will receive a notice via email and you can then get a brand new special report geared just to you, the real estate agent or broker, or mortgage broker...looking to make big money in this falling market.

Look what you get with the Pro edition in addition to the main Mortgage Relief Formula course:

It's 100% guaranteed and available to you instantly!
YES! I have read the terms and conditions and earnings disclaimer, and I want the Mortgage Relief Formula instantly! I don't want to miss out! Note: All Payments are in US Dollars. Course Consumer Edition for heavy duty problems Pro Edition for Real Estate Professionals and Entrepreneurs The Mortgage Relief Formula handbook, downloaded as a PDF Adobe Acrobat file The do-it-yourself version that lets you do your own loan modification, short sale, sell your house in nine days (with or without an agent), slash your credit card debts (even if you have no cash now) and even buy a new house with no money and no credit of your own. This is the edition you want even if you have multiple properties, two loans, and don't know what to do or where to turn. It will make you feel better in as little as one hour because you will know what to do and realize how your problems aren't so great after all. Contains the professional version that is designed for real estate professionals. Teaches you how to get listings, use the 9 day house sale, negotiate short sales (or work knowledgably with someone else who will do the negotating for you) and includes doing loan modifications, slashing credit card debt, and buying with no money and no credit of your own. You will get everything you get in the consumer edition, and a lot more, geared to real estate agents, mortgage brokers, and people who want to get into the business of making money in a falling market by helping others. Valuable Bonuses The Nine Day House Sale Revealed In Detail worth $300 What you must know about bankruptcy so you can sleep at night worth $99 How to deal with 12 properties that are all under water, save your marriage, and begin a new career, worth $99 The "Highly Placed Senior Executive at a Major Lender" interview worth $99 Free and Clear Club One-On-One Help, Articles and Information worth thousands, but valued at the giveaway price of $9.95 Inside Secrets of the LowBo method of doing BPOs that will help your short sales get done quickly Get Listings Galore using this simple method of getting listings and selling the house in 9 days. Make a fortune from your colleagues' inability to master this simple method Special Price $97 $147 Two Payment Options Each comes with 30 days free online help through the Free and Clear Club, and $9.95 per month after first 30 days with the "send one email to quit" cancellation guarantee and the 365 day unconditional money back guarantee. CLICK on the Buy Now button, then you will go to a secure order form. Type in your billing information and you will have INSTANT ACCESS to this course. These are DOWNLOADED courses and you will get started with them IMMEDIATELY. Option 1: $7.97 now, then $97 in 15 days $17.97 now, then $147 in 15 days Option 2: $ 97 (save $7.97 by paying all at once. My best value.) $147 (Save $17.97 by paying all at once. My best value.) Warmest regards, Richard Geller P.S. If you don't get my course now, you may never get it and you will be missing out -- a decision that could cost you hundreds of thousands of dollars. Fact is, people tell me every day that they made an enormous decision, the most important in their life, and were totally stupid about it because they didn't know what they were doing. It's not too late to "shut the barn door." Because if you click on "buy" now, you will in moments be on the road to turning around your career and your financial life. So what are you waiting for? Now is the time to not chicken out and "get to it later." There is no later. This is the time for you to go ahead and get out your credit card and do what you know is right. I know it's a little scary. But you will in moments have the answers you've been looking for. Go for it, it's really easy and there is no risk at all for you. None. P.P.S. Remember, you are getting complete and total access to financial life changing information...short sale secrets, loan modification secrets, 9 day house sale specific instructions, credit card debt settlement and much more...and it is 100% guaranteed. It is literally impossible for you to lose one dime with my offer. You get to KEEP the course if you are not entirely thrilled within a full 60 days... P.P.P.S. I know that it is a very LOW COST course. It's almost embarrassing. People tell me every day that others are offering material not even one third as complete for $997, $1995 or even $4995. Why am I selling such an expensive course so CHEAP? Frankly, each day I think I should raise the price because it almost seems like I am offering TOO much. And this course represents my blood and sweat -- a huge amount of work. I go back and forth on this. The reason for the low price is that I get hundreds out the door when other so-called gurus are getting out a few at a time. I'd rather help a ton of people than just the privileged few who can whip out a credit card and charge $2000. P.P.P.P.S. I am a real business established in 1996. You can email me at support@MortgageReliefFormula.com, or call me toll-free at 877-691-3328 ext.101. People are always surprised when they talk to a real, friendly person, either myself or a team member, when they call. We are located in Fairfax, Virginia, at 4120 Leonard Drive, just one block from the downtown area in Fairfax, outside Washington DC.     Please make sure you read the Terms and Conditions including the Earnings Disclaimer. Basically, this stuff I provide is information and not foreclosure assistance, and you aren't going to hold me responsible for your problems even if you rely upon my information and things blow up, financially speaking, in your face. In addition, you aren't relying upon anything I say or write to achieve a certain result, or make a certain amount of money.		What you will learn in the Mortgage Relief Formula: 1) You will learn how to quickly determine what is your best path to take, for yourself or your clients, given a particular set of mortages, prices, debt levels, etc. 2) How to engineer the loan modification or the short sale so there is a very high likelihood of success, that is, lender acceptance on terms you or your client can handle. 3) How to sell any house or condo in nine days, including over one million dollar properties or even $60,000 houses, regardless of the fact that there are "no buyers" in your area. 4) How to build a business helping others to sell their house, modify their loans, do short sale negotiations, or sell houses almost every weekend for huge commissions. Testimonials From Other Buyers of my Mortgage Relief Formula (nobody gets one penny for giving a testimonial, or is offered any discounts or any incentives whatever) Russell Tate from Las Vegas, NV "I bought a house in Las Vegas and now I need to sell. But I'm upside down. I purchased your course and it has been a lifesaver. Thank you for your help in determining my options. You've laid it out for me. "Your material and your insight was invaluable to me in my situation. "Your course is incredible and I really appreciate the time you have spent with me even though you didn't have to do it. I can see you love helping people." Miles B., Powhatan, Virginia "I bought Mortgage Relief Formula when I was searching the web and came across your course. "My gut feeling tells me we are heading for bad financial times. I wasn't getting answers from anyone, banks or my mortgage company. I felt disappointed and then I stumbled on your website. I read the information you offer and your emails and I wanted to order it. "It has educated me as to the financial mortgage crisis, the whole game and the ramifications of this economic monster. I am in the position of being educated and now taking legal action to protect myself and my family and have a better life." Barbara from Brighton, Michigan "I have my own business and it's buzzing along but things are very difficult now because of the economy here in Michigan. "If anyone is having a problem with mortgages or credit, this is the way to go. I'm working on getting my credit card debt down and I plan on buying a house in the future with no money down and no credit. "The tips in the course are absolutely wonderful. I just didn't know what to do and I have been struggling with credit card debts but now I am planning on settling them outside of bankruptcy and keeping good credit.."