• Do I need to make larger house payments to pay my loan off early?

1. You will continue to make your regular monthly payments to your loan.
2. Lifestyle Equity Builder uses a methodology that will apply additional principal to the loan balance and lower the average daily balance against which the interest rate is applied. As you follow the system, more of each payment will be paid toward your principal and less to interest.
3. Lifestyle Equity Builder" S.M.A.R.T. system is a powerful, PC-based program that empowers you to take control over your financial situation with the money you are already making and maximizes results in your savings and drastically reduces the time to payoff all your debts.

• What is a HELOC?

1. Is a type of second mortgage. Home equity line of credit.
2. It has some unique qualities that are very important to understand.
1. You can open a HELOC with no fees or charges.
2. You are not charged interest until you use or borrow from your HELOC.
3. You can make payments to the HELOC or borrow from the HELOC as often as you like without any expenses or charges.
4. It is a retail loan that most banks carry. Some banks offer HELOC's with features that other banks or credit unions do not.
5. A feature, that is nice, is one where you can utilize your HELOC as overdraft protection for your checking account. This is offered at a limited number of banks. (Ask us)
3. With on-line banking you can do electronic transfers between accounts, including your HELOC.

• How fast can my home be paid off?

1. Every family’s numbers are different. It depends upon your income, spending habits, and the structure of your loans.
2. We have families going from 30 years down to 8 to 12 years, some as low as 5 years.
3. We also have families that have a tight margin and may reduce their payout time by only a limited number of years. Any savings of time and money is beneficial.
4. On average, a vast majority of families will be 100% debt free between 8 and 12 years, simultaneously saving tens of thousands of dollars in interest on their mortgage and other debts.

• Is this a Bi-Weekly program?

1. No this is not a bi-weekly program.
2. Lifestyle Equity Builder will enhance such a program and accelerate the pay down even faster. You have to run your numbers to find out how.

• Can I do this myself?

1. Yes you can.
2. To be successful at reducing ALL your debt, you need to have a S.M.A.R.T system :
1. Specific - Your program has to be detailed and show you how to reach your goal. Our terrific budgeting system gives you a chart of accounts and detailed line items to budget. We will assist you in setting up this portion of the program.
2. Measurable - In order to know if you are on track you have to be able to monitor your results. To accomplish this we have installed a Variance Report that will compare your budget to your actual income and expenses on a monthly and year-to-date basis.
3. Achievable - You have to see that you can achieve your goal. We know that, financially, even one year is a long time for families. Life happens, you can be knocked off track. Our system will let you know the month and year you will be out of debt. If that date moves, as it will, the system will help guide you and get you back on track. Even if that date moves away from you, you can still see that your goal can be achieved.
4. Results - In a specific measurable, achievable time frame.
5. Time Frame - Lifestyle Equity Builder will keep you focused. The date you will be 100% debt free will be clear. Monitor your progress from budget, to actual results, as you progress through the year.
3. 98% of America has never completed a full detailed family budget.
4. Most will not do this for themselves. It takes education, comprehension, and a considerable amount of coaching to fully realize the benefits of this concept.
5. The Lifestyle Equity Builder S.M.A.R.T. System provides the specific tools everything family needs to achieve maximum savings, stay on track and enjoy your financial freedom sooner with a money back guarantee for success.

• Do you have access to my money?

1. No we do not. The system is installed on your computer. You are in complete control of your money.
2. We do not ask for account numbers, social security numbers, etc.

• What if I sell my home?

1. Lifestyle Equity Builder is designed to be portable and to always put you in a position of saving time and interest.
2. We even have a program designed to pay off one home, use your equity (100%), plus the loan that best fits your budget, to upgrade to your next home. It is wealth building through the Lifestyle Equity Builder.

• Can I use this for more than one property?

1. Yes!, you can use Lifestyle Equity Builder with multiple properties, simultaneously. We have families that are scheduled to save millions of dollars in interest and create equity faster, by using Lifestyle Equity Builder to manage their real estate investment properties.

• Is there any risk involved? Can I get my money back if I am not satisfied?

1. Our contract has a clause that says if you have fully complied with and followed the system, as it is laid out for you, and you can illustrate compliance and you show the company that you have not saved time or interest, the company will refund all your fees.
2. This is an easy warranty. The program works!

• Do I have to refinance my home and pay closing costs again?

No.
There is no need to refinance your home.
1. When appropriate we will show you illustrations with refinancing and illustrations without refinancing. Sometimes there are a number of ways to pay off your debt. We will illustrate all appropriate options; then you decide which strategy you’re most comfortable with.
2. Lifestyle Equity Builder is designed to show you numbers illustrating the impact any refinancing might have on your future.
3. In the end, it is up to you whether or not to refinance your home.

• Why haven't I heard of this before?

1. This is an old concept in some parts of the world. It has been around for many years in Australia and the U.K. where it’s been used since about 1995.
2. It’s taken about 12 years to make its way to the United States and is still a relatively new concept here.
3. The Lifestyle Equity Builder was developed totally independent of any knowledge of this program being used outside the US.  The concept was developed from 40 years of financial analysis for major corporations and real estate projects.  Only after Richard Harter’s personal use did he find out this concept was in use prior to what he thought was an exclusive discovery from running numberes.
4. What Richard created from his 40 years of financial experience is a unique one of a kind program for you.  There is nothing like it on the market today.
5. MDRP Marketing Services, Inc., has an extensive background in the production of financial analysis for major corporations, start-up companies, and all size real estate projects in the area of development and management. Mr. Harter the architect of the Lifestyle Equity Builder has now brought the decision matrix and reporting systems form corporate America and made them available to families on a level which has never been available before.

• Is this legal and are there any states where this can not be done?

1. Yes, it is legal.
1. What we show you how to do is apply your mortgage payments in a way that most benefits you, instead of the bank. We work within the limits of your contract with the bank. They don’t have a legal position against it.
2. The Lifestyle Equity Builder contract is a service contract. The software file is provided to you for free so that you can implement the plan.
3. Certain states may have enacted laws on how you can use a HELOC. Before getting started with Lifestyle Equity Builder, we will make sure your HELOC is compatible with our system.
4. Our program is very flexible and in many cases has worked with personal savings accounts and Lines of Credit (LOC).

• Who is M/DRP Marketing Services, Inc. (the creator of the Lifestyle Equity Builder software and systems)?

1. We are an S Corporation with the state of Washington. Our UBI number with the State of Washington is 602 568 158.
2. Our Business Number with the City of Auburn is BUS23572
3. We are a member in good standing with the Better Business Bureau
4. Veteran Owned and Operated
5. We are a member of the Auburn Chamber of Commerce.
6. We are also a member in good standing with the Better Business Bureau.

• Is Lifestyle Equity Builder, Inc. really focused on the elimination of ALL debt or making money?

1. This is a business designed on a win-win footing. Our company is reasonably compensated for delivering tangible results for our clients. We help them build equity faster through the process of the elimination of debt and the saving of thousands of dollars in interest payments. The result is that you get your future time back.
2. Where we are different. Our system does not require that you refinance in order to benefit from using Lifestyle Equity Builder. Others do make that requirement. The only way to utilize their system is through refinancing your mortgage, for which they will be commissioned.
3. We are not a mortgage company or lender, our only focus is to help you save money instead of throwing it away if you don’t have to.
4. We are a member in good standing with the Better Business Bureau. We provide a FREE, upfront analysis at no charge to the client. The client can then select to use Lifestyle Equity Builder if it meets with their philosophy of what they want to do financially. Then, and only then, does a client sign up or pay any fee.
5. We are focused on the long term solution of financial freedom for our clients, because of this we provide free lifetime consulting and support to help you maximize your savings. 

"If you have additional questions, "Click Here."