FINANCIAL EDUCATOR
DEREK WARD
COMBATS MORTGAGE WOES WITH MORTGAGE REDUCTION PROGRAM

Los Angeles, CA -  When Derek Ward purchased his first home in 1986 in the Antelope Valley of California, it was for him a dream come true.  As he was only able to qualify for a loan with a monthly adjustable rate, his dream was short lived and soon transitioned into a nightmare.  The payments continued to increase month after month after month!  The prospect of keeping his home became dimmer with each increased monthly payment.

It was then that he decided to embark upon a career path in real estate.  Securing the proper education and credentials, his goal was to be a resource to others so they would not have to experience the stress and turmoil he suffered.
           
Today, as an accomplished mortgage broker and financial educator, and former co-founder of First Federal Mortgage in Palmdale, CA, Ward has come a long way.  He has since bought and sold numerous investment properties; brokered million dollar real estate deals, and now resides in a quiet, upscale gated community. But the current financial unrest in today's real estate market is all too real for him.  Twenty years ago, like many in today's market, he sat on the brink of losing it all.

Ward is now even more intent on fulfilling his original aspiration to help others.  Armed with a vehicle to educate homeowners about a new mortgage reduction program which assists them in paying off their mortgages in record time, Ward is a man on a mission. 

With a system developed twelve years ago in Australia and utilized throughout Europe, Money Merge Accounts are combined with a specialized secure web-based software system.  The result is a quantum leap of sorts, whereas a money management vehicle is created that pays on the principal in the home, while drastically reducing interests payments. There is no refinancing involved, no bi-weekly payments and no increase to current monthly mortgage payments. Homeowners are now able to pay off their homes, securing full home ownership in of matter of 10 to 15 years.  

"If I knew then, what I know now," reflects Ward.  "The purchase of a home is one of the biggest legal transactions most people will ever conduct.  Yet, for many, the process is one that causes overwhelm and confusion. With the turmoil in the current market today, insuring home ownership in a 10 year versus a 30 year period can save a family not only hundreds of thousands of dollars, but more importantly peace of mind!"

"Money Merge Account (MMA's)  are the wave of the immediate mortgage future and may just be the next paradigm shift in real estate and home acquisition," sites Ward. "I have a personal commitment to educating and increasing awareness about the benefits to home buyers.  The process is so simple, and the results are so astounding. I have literally had clients weep with gratitude when they realized the immense savings incurred. Home ownership is the ultimate American Dream, and with this program, the dream can become an even more tangible reality."

Ward is currently reaching out to homeowners nationally to personally address their needs and concerns. 

To find out more, and view a video presentation, visit Derek Ward at his blog for details at  http://thefinancialeducator.blogspot.com/ .