Read this before February 24 and you will see how to:

Legally Collect Up to $6,129 a Month In “Mortgage Refunds”

Last year an obscure loophole allowed a handful of regular Americans to take back over $6.6 billion of the mortgage payments they made.

Dear Reader,

On a sunny Thursday morning just a few weeks ago, while most of us were enjoying our coffee or rushing out the door to work…

Nathan King pulled his beat-up, rusty F150 pickup into the drive-through lane of a local bank...

Put a check like the one below into the vacuum tube...

And just minutes later drove away with $4,974.

According to a government-mandated report, this 49-year-old welder from Pigeon Forge, Tennessee wasn’t the only one who pocketed a massive payout that day.

Jack Ramsey from Plano, Texas received an $11,414 payment.

And Paula Christiansen, a 67-year old retiree from Bethlehem, Pennsylvania, cashed an $18,287 check. 

That’s way more money than she’ll collect from Social Security this year.

And Paula got it from just one payout.

So what’s their secret?

Each of these ordinary people decided to sign up for one of the most unique investing programs ever conceived.

One that essentially allows you to get a refund for some of the money you pay on your mortgage each month…

And lets you collect a share of other people’s mortgage payments as well.

Even though most Americans haven’t heard about this opportunity…

It’s available in all 50 states. And open to anyone.

It doesn’t matter if you’re 26… 56… or 76.

It doesn’t matter if you make $25,000 a year... $62,000 a year... or $126,000.

You don’t even need to own a home for that matter!

According to my research…

Every single person who ever applied to this program had the chance to receive a check.

Alex Smith would back me up on that.

Even though he’s only 29 – and rents a small basement apartment in Brooklyn, New York – he was still able to tap this opportunity for $668.

Louise R., a 49-year-old registered nurse from Arizona, raked in $7,717. 

And Dominic G., who lives in Celebration, Florida, cashed a check for $53,034 thanks to this loophole. 

That’s enough to cover his $1,015 mortgage for more than four years!

Think about that for a second.

Dominic now has the confidence that comes from knowing he’ll never have to rely on anyone else to help him through a rough patch.

He and his wife take in so much money from this program they can fly to see their new granddaughter whenever they want.

And they can do it sitting in 1st Class.

Imagine what you’d do with an extra $1,658…

$3,804… or even $6,129 a month.

You could finally stop stressing out about how you’re going to make ends meet.

Put a real dent in your mortgage.

And even start getting ahead.

Which is why I call these payouts “mortgage independence checks.”

Now before we go any further, I need to make something perfectly clear.

The money from this plan doesn’t come from shady reverse mortgages...

The Home Affordable Refinance Program (HARP)...

Or the Home Affordable Modification Program, either.

It comes from an elite private sector consortium that’s far better any operation the government runs.

One that allowed anyone over 18 years of age to collect a share of the $6.6 billion it paid out last year.

And one that places no limit on how much you can collect.

Which means when you act today...

You could see a check like this one for $9,489 that recently showed up in Mark Moyer’s Dayton, Ohio mailbox not long ago. 

Or you could grab $3,614 like Ann Baker from Salem, Oregon did...

The payouts could be even larger than that too.

Sam Wise, a 55-year-old from Bethpage, New York is set to collect $20,130.

And Joseph LaPierre from Kenner, Louisiana will bank at least $63,559.

Each of these smart investors will get these checks multiple times a year. Like clockwork.

And you can, too. But you must take action today.

In the next few minutes, I’ll give you the full story on the little-known piece of legislation that created this program.

I’ll explain why it guarantees the three dozen organizations authorized to send out these reimbursement checks are willing – and eager – to continue doing so.

I’ll tell you about the four top members of this elite group.

And I’ll even walk you step-by-step through how you can tap them for up to 32 payouts over the next year.

But first, it’s time for an introduction.

Hi, I’m Jim Pearce.  

Jim Pearce

If my name doesn’t ring a bell with you, I’m not surprised.

I’ve never appeared on Fox Business or CNBC…

Written a best-selling book…

Or shared my investing secrets with mainstream outlets like The Wall Street Journal or Barron’s.

It’s not because I haven’t had opportunities like that (I have). 

I’ve just been too busy.

Over my 35-plus year career, I’ve managed $50 million in assets. I’ve executed trades in excess of $5 million. And I even founded my own private investment banking firm.

It’s not easy staying at the top of your game as long as I have.

It takes 70-hour work weeks and making moves other analysts just don’t have the guts to make.

Like when I bought shares of Ford in 2008 – during the worst market crash in recent history.

Let's face it, most people weren’t placing big bets in the market then.

And I doubt anyone was thinking about buying a carmaker's stock when icons like General Motors were filing for bankruptcy.

But I went against the grain and picked up shares for just over $2.

It was a bold move to be sure. My colleagues chuckled and told me I was crazy.

But I didn’t care. All my proprietary analysis pointed to the fact that Ford wasn’t just going to survive…

It was going to thrive.

In the end, I had the last laugh. Because when Ford shot up to nearly $15 a share…

I sold for a gain of 636%.

That one move turned every $1,000 I invested into $7,367.

And while I’m not going to share exactly how much I made on this trade…

I will tell you it easily hit six-figures.

And shortly after I closed it out, I put Wall Street in my rearview mirror for good.

I didn’t stop working though.

Instead, I teamed up and with a group of independent analysts whose goal is to help regular people just like you see the same types of profits elite investors enjoy…

And since then I’ve personally had a hand in showing thousands of them gains of over 3,950%:

That’s made them very happy – and wealthy – of course.

So much so, that they’ve flooded my inbox with notes like this one from Dale C. who says he made nearly $5,000 in a month.

Ben Werner told me he regularly sees gains of over 300%.

Tim Graybill says he’s up $63,000 this year.

And Maryann Myers let me know she went from being broke to having nearly half a million dollars thanks to the work I do.   

I’m not telling you this to brag.

I just want you to understand that when I say this plan is hands-down the best way I’ve ever seen to get money back from a mortgage lender…

It’s not wishful thinking.

It’s the honest assessment of someone who knows how to pinpoint moneymaking opportunities and take advantage of them.

I mean think about it... I’m going to share the details on the four best organizations that make up this 36-member plan in just a moment.

And if you elect to tap into each one of them…

You’ll have the chance to collect 32 “mortgage refund" checks in the next year.

As you can see from this calendar, the next round of payouts is right around the corner.

And they could be as good as the $3,923 check 59-year-old Shirley Maxwell is set to receive.

Sheldon Nash, a 66-year-old from Waterford, California, is on the list to collect $18,548.

Joel Osgood from Nashua, New Hampshire is set for a $6,773 payday, too.

So where does this money come from?

A Safe and Consistent $8.8 Trillion Income Stream

It’s the direct result of this obscure 58-year-old document.

That’s right.

This plan has been around for nearly six decades.

Yet I’d bet less than 1% of Americans even know it exists.

How could they?

On September 15, 1960 – the day after President Dwight D. Eisenhower signed the law that created this mortgage reimbursement loophole…

There wasn’t a single mention of it on the front page of Baltimore’s evening newspaper.

Even though its reporters worked less than an hour from the nation’s capital.

No one in America’s heartland who took a second to skim Kansas City’s paper would have discovered the existence of this plan either.

The same holds true for the folks in Austin, Texas.

The remote Pacific Northwest…

And in metropolitan centers like Los Angeles.

It seems from coast to coast, everyone was more concerned with what was going on in the Congo…

Russia’s space plans…

And a hurricane hitting the Gulf Coast.

I was born the year before Ike signed this new act into law.

So I can’t say with complete confidence why the biggest financial gift ever handed to regular Americans by the government wasn’t splashed on the front page of every paper in the country.

Maybe reporters were too fixated on the fierce presidential race between Vice President Richard Nixon and Senator John F. Kennedy…

And never made it to the 1,003rd page of the legislation that mentions this new plan for the first time ever.

Or perhaps they did, only to discover they couldn’t decipher the five pages of legalese that created a way for you to get a share of the $8.8 trillion Americans pay to own homes.  

In the end, it doesn’t matter. This plan has stayed a virtual secret to the people who need it most.

That’s a shame.

Because what nearly everyone missed about this plan 60 years ago – and continues to miss today – was that it created of a group of companies who can operate tax-free.

The “only” catches are…

That’s right…

It doesn’t matter whether the real estate market is red hot…

Or if it slows to a trickle like it did during the 2008 meltdown…

Companies in this special plan give their shareholders 90% of the money they collect from mortgage interest payments.

In good times. And bad.

They don’t have a choice.

Unless they want to pay the standard 21% tax rate for corporations.

With a sweetheart deal like this, it’s only natural to think big name lenders like Wells Fargo, JPMorgan Chase, Quicken Loans, and Bank of America are members of this plan.

But they’re not.

And the reason for that is simple…

They can’t meet the requirements.

And probably never will.

The bar for companies to be a part of this plan is so high, in fact…

Only three dozen of the 4,000 publicly-listed companies in the United States qualify.

Yet despite their small numbers…

They’re set to give back over $6 billion of the mortgage interest they rake in this year.

One of these organizations is set to pay out $7.9 million next month.

Another will put about $13.39 million in the mail. 

And yet another is set to deliver a staggering $70.4 million.

All you have to do to stake your claim is pick up some shares...

Then sit back and wait for the checks to roll in.

Just remember, it doesn’t matter if you start with just one of the opportunities I’m about to show you…

Or all of them…

There are no restrictions on how much you can collect.

The more money you put into this plan—the more you’ll get out.

And thanks to the new Tax Cuts and Jobs Act…

You’ll get to keep even more of it.

Because the minute President Trump signed this Act into law…

He effectively slashed the taxes on your payouts by up to 25%.

Best of all…

You only need about $20 to get started.

Putting such a small amount into this plan isn’t going to make you rich, of course.

Or cover your mortgage payment.

But it could... if you play your cards right.

Because depending on what you do with the money you collect – you could multiply the checks you get into a small fortune.

Just like Janet Godwin did.

This secretary from Illinois started out with just $180…

And when she passed away just a few years ago, she left a $7 million fortune to her college alma mater.

Better still, it looks as if the money she donated may never dry up.

Because her gift still produces over $250,000 in annual income.

All from a $180 initial investment.

Janet isn’t the only person who accumulated a vast amount of wealth starting with a just a small stake.

Diane Gladstone did it too.

Despite making less than $157,000 over her entire career…

When she passed away she left a $22 million fortune to a college she never attended.

More impressive…

Her plan generated more than $800,000 in annual income.

Now, I think it goes without saying that while Janet and Diane’s stories are 100% true…

They are exceptional examples.

Most folks probably won’t generate that kind of wealth from the plan I’m showing you today.

But imagine if you only collect 10% of what Janet did…

You’d still rake in $25,000 in extra income every year.

Which is probably enough to cover your mortgage payments…

Treat yourself a few beach-front getaways…

And maybe even donate to your favorite charity, too.

Heck, even if your plan only generates a mere 1% of what Diane’s did…

You’d still enjoy a consistent $8,000 income boost.

Which – unless you’re already rich – isn’t a bad haul for taking two minutes to sign up for this plan.

I doubt Steve Larson would argue with that.

Because this 51-year-old computer programmer from Utah is scheduled to cash a check for $4,321.

Linda Lee, a retired nurse from Waukesha, Wisconsin is set to receive $2,365.

And Dan Abraham, a high-school teacher in Maine will collect $92,374 this year. 

That’s almost what he paid for his two-bedroom house 18 years ago!

With checks like that going out left and right, it’s little wonder that word has started leaking out about this plan.

Forbes says its 36 members “are a must-have holding for any and all retirement accounts.”

CNBC reports they’re “a nice addition for someone looking for 


And Kiplinger says they “can provide a steady stream of retirement income that will last a lifetime.”

But here’s the thing…

If you want to take part in the next round of payouts, you need to make your move right now.

Because if you miss the deadline to sign up – even by a few hours – you won’t be eligible.

And someone else will get the money that’s sent out.

I’ll give you all the details on how to get started in just a second.

Before I do, let me tell you a little more about…

The top four “mortgage refund” opportunities you can tap today.

The first company is one that pays out a share of the mortgage interest it collects every month… 

To the tune of $1.4 billion over the past 10 years.

Next month won’t be any different.

Because this Maryland-based plan member is set to pay out well over $7.9 million.

This company is so rock-solid it clearly caught the eye of world’s largest asset manager, BlackRock.

Because they're currently sitting on over 6 million shares.

You don’t have to be a giant investment house to get your share of the payouts, though.

Daryl Clarke is so thrilled with this company’s plan he’s telling anyone who will listen how much money he’s made.

And that he looks forward to collecting the checks it sends out over and over again.

It’s hard to blame him since he’s raked in over $53,000 so far.

And Daryl isn’t the only one letting everyone know how happy he is about this plan, either.

Todd from Boise, Idaho says he makes about $500 a week from this opportunity, too.

“I have been making about $500 a week with this… I’m happy.”

And you can join them when you follow the simple instructions I’ll give you in just a few minutes.  

You’ll also have the opportunity to collect monthly payouts from another company that’s caught the eye of the income specialists at BlackRock. 

Why’s a $6.2 trillion enterprise like BlackRock so interested in the companies that make up this plan?

I’m sure it has something to do with the idea that people will always have to borrow money to buy a house…

And that the average American pays $169,000 in interest over the course of their loan.

I’m also sure it doesn’t hurt that this plan member is set to pay out $70.4 million in a matter of weeks…

And that’ll it’ll continue churning out around $70 million of reimbursement checks…

Month after month.

To the tune of nearly $1 billion a year.

You can claim your share of the payouts for around $20.

And when you do, you’ll be joining folks like Jeff Harrington from New Mexico who says he collects $1,500 a month this company.

The third opportunity I’d like to tell you about is one I call the “tiny giant.” 

Because even though it’s only a $500 million company…

It still doles out massive checks.

Like the one for $190,223 that Andrea Turner from Mississippi is set to receive just a few weeks from now.

Best of all, you can get started with this “little” company for less than $5. 

That’s right.

That $5 can get you a share of its next $1.47 million payouts.

I’ve put everything I know about each of these companies in a special report called, “The $6.6 Billion Mortgage Refund Plan.”

Inside, you’ll also get the full story on one more company that ranks right up there with the three I just shared with you...

Because last year it sent out checks totaling well over $53 million.

All told, these four companies pay out more than $78 million in reimbursements every month.

And if you stake a claim in each one... you’ll have the opportunity to collect 32 checks in the next year.

I’m giving away 1,000 FREE copies of this special report today.

And I’ll show you how to claim yours in just a moment.

Once you receive it, I want you to dive right in.

Because after the first page where I quickly walk you through the law that created this moneymaking opportunity, I'll...

This free report is just the beginning of what I’d like to give you, though.

I want to make claiming it the best – and easiest – decision you’ll make today.

So I have two more things I’d like to send you.

BONUS GIFT #1: (Value: $149 – Yours FREE!)
The Secret to Profiting from Commercial Real Estate (Without Owning It)

The first is a special report called “Big Property Riches.”

Inside you’ll get all the details on yet ANOTHER way to collect checks of $9,709… $18,969, and even $51,890 thanks to this plan.

The only difference between this opportunity and the four in your first free report is this smart company makes its money from commercial mortgages for hotels, retail, and office buildings.

Their next payout is right around the corner...

So you need to put your name on the list within the next few hours.

This free report will show you how to claim your share.

I’d also like to send you... 

BONUS GIFT #2: (Value: $149 – Yours FREE!)
How To Collect An Extra $1,003 A Month In Government Cash

Inside this report, you’ll find everything you need to know about one company’s special relationship with the government...

And how you can leverage it to collect payouts of up to $1,000 a month.

Plus, I’ll tell you about a powerful feature this company offers which allows you to supercharge the payouts to create a personal fortune.

Together these three reports carry a value of $447 and will give you...


The opportunity to collect 40 payouts in the next year.

But again, I’d like to send them to you free of charge today.

All you have to do is agree to try out my research service Personal Finance

100% risk-free.

Personal Finance is a simple 16-page newsletter I send out each month.

I explain what’s happening in the economy—good or bad.

Then I use my experience—which includes founding an investment banking firm and years of managing over $50 million in assets—to give you actionable advice on how to generate money you can use now.

Or anytime you need it.

Just like I did today when I showed you how to collect up to $6,129 a month in “mortgage refunds.” 

Even though this is the best way to generate extra cash I’ve ever seen…

It only scratches the surface of the opportunities you’ll find inside Personal Finance.

Because as I mentioned before, the nearly 100,000 people who follow the recommendations my team and I make have seen gains of over 3,950%.

That’s good enough to turn every $1,000 invested into $40,500...

Every $5,000 into $202,500...

And every $10,000 into a life-changing $405,000.

Whenever we come across one-of-a-kind profit opportunities like these we’ll tell you when to buy...

And we’ll also tell you when to sell.  

Plus, you’ll get all the analysis behind each move we recommend.

We include this extensive guidance for two reasons…

First, we want to make investing easy for you. And profitable.

So we provide step-by-step instructions on how to make any move we recommend.

That way there’s no guesswork on your part.

And you’ll never have to worry about making a mistake.

Second, I want you to become a better, more confident investor.

And the best way for you to do that is to see firsthand how some of the brightest minds in this business make their decisions…

Then follow in their footsteps.

Think of it like having a group of friends who are all insiders in Manhattan’s financial world…

You’ll get access to insights and moneymaking ideas your neighbors and coworkers will never hear about.

Don’t just take my word for it though.

Here’s what a few readers are saying about our work.

Glenn C. let us know he built a $2 million portfolio thanks to the ideas he got from
Personal Finance.

“I have been receiving Personal Finance for many years and have come to rely on it as my main source of information. I was able to build my portfolio to $2M+ and now receive plenty of dividends.” –Glenn C.

Margo F. told us she made a lot of money thanks to our recommendations.

“I have made quite a lot of money following your investment advice.”
—Margot F.

And Penny L. says she collects so much money from her investments she doesn’t have to work anymore.

“I collect a lot in dividends each month and do not have to work.”
–Penny L.

As you can see, the list of happy readers goes on and on… and while I’d love to share all their stories with you, there simply isn’t time.

“…I have done well. I can usually make 20 to 30% profits.”
—Randy S.

“I have been a subscriber for years and have made money with your recommendations.” –Esther S.

“Most of my financial education has been a result of a long-term subscription, as well as most of my investment success. I would not leave home without my copy.” –John B.

“If you want to improve your financial status, subscribe to Personal Finance.”
—Adrian L.

“I’ve been pleased with the performance year in and year out. The ability to get feedback on specific issues from the experts is just the icing on the cake.”
—J. Thomlinson

“I have gotten Personal Finance for over 10 years and it has helped me make wise choices when purchasing stocks.” —Carol M.

“It is a comprehensive resource for the limited time I have to focus on my investment strategies. My family has used it for more than 15 years.”
—Heather M.

“This is the best tool for the independent investor—get it!”
—Byron K.

Notes like these are what make all the long hours we spend finding profitable investing ideas worth it.

And I’d like nothing more than for you to be our next success story.

It all starts right now with your opportunity to collect up to $6,129 a month in “mortgage refunds.”

Within minutes of joining Personal Finance (which, again, is completely risk-free) …

You’ll get three special reports with all the details on how to collect 40 checks in the next year.

Which averages out to more than three payouts a month.

You’ll also get full access to everything we do, including…

Monthly Issues—Every month, you’ll get a 16-page issue of Personal Finance. Inside, my team will deliver the real picture on what’s currently happening in the markets...

Then we’ll give you actionable recommendations on how to profit from it.

From investments that allow you to create safe, recurring income streams of 8.52%… 9.66%… 10.11%… and even 13.75%…

All the way to opportunities which can safely multiply $1,000 into $4,312… $11,877… and even $20,264…

You’re guaranteed to find a number of exciting new moneymaking ideas in every issue.

Flash Trade AlertsWhen it’s time to make a move on one of our positions, or a new opportunity comes along that can’t wait for the next issue, you’ll get a flash alert that tells you exactly what to do.

Best of all – thanks to smartphones, tablets, and Wi-fi you can even make the trades when you’re away from your computer.

Private Website Access—Inside our password-protected website you’ll find our full library of research.

That includes an up-to-date collection of our model portfolios that let you know what to buy...

What price to buy it under...

And even when to sell it.

The website also has copies of every issue, article, flash alert, and special report we’ve ever put out.

And it’s home to a unique feature you won’t find anywhere else – Personal Finance’s Stock Talk Message Board.  

If you ever have a comment about one of our recommendations or want to dive deeper into why we made it, just post a note to our message board and we’ll be sure to answer you back.

First-Class Customer Service—And if you ever have a question or problem, you’re covered by our dedicated Customer Service staff. You won’t get a call center when you contact us. Our Customer Service staff is dedicated to our products—and they’ll do everything they can to make you happy.

I hope by now it’s clear why an independent publishing association named Personal Finance the #1 investment newsletter in the world.

Remember, we’ve already shown readers just like you enough massive winners to turn $10,000 into $405,000.

And now we’re going to show them how to be part of a plan that allows Todd Utz to collect $500 a week…

Jeff Harrington says he’s making $1,500 a month…

And Daryl Clarke let us know he’s pulled in over $53,000 so far.

You could see the same results… maybe even better!

But for that to happen, you must claim your share of the payouts today.

We’ll show you how within minutes of joining Personal Finance.

Typically we charge $99 for a one-year subscription.

But today is different.

I don’t want anything to stand in your way of learning how to collect your first “mortgage refund” check…

Especially our membership fee.

So I’m slashing our regular price by nearly 60% for the first 1,000 people who take me up on this special deal.

Which means when you choose to join us today, you’ll only pay $39.95.

That’s probably less than you pay to fill your gas tank.

And it’s an absolute steal considering the three free reports I want to send you today carry a total value of $447... and will show you how to collect up to 40 checks in the next year.

Better still – if you want to extend your savings and get even MORE bonus reports – you can take us up on our deeply discounted two-year subscription.

No matter which route you choose, the minute you say “yes” you’re covered by my double-barreled 100% Satisfaction Guarantee

I want you to be 100% sure Personal Finance is right for you.

So I’m giving you three full months to try it out at my expense.

That’s plenty of time to check out everything on the Personal Finance website…

Read a few issues…

Take part in the moneymaking opportunities you’ll discover in the free reports…

And even receive a handful of checks.

If at any time during those 90 days you’re not completely happy with what you’re getting from us—or with the profits you’re seeing—simply let our Customer Service team know.

And we’ll issue you a prompt, no-questions-asked refund for every penny of your membership.

I have no interest in keeping your money unless you’re 100% satisfied.

And even if it’s past the 90-day mark and you find yourself unhappy for any reason, we still have your back.

Simply let us know and we’ll give you a refund for the unused portion of your subscription.

On the off-chance you do decide Personal Finance isn’t all I promised, I insist you keep all the free reports and issues you receive as my way of saying thank you for giving it a try.

I’ll be honest—I’m not too worried about that happening.

At last count, there were over 10,000 millionaires among our subscribers.

And there’s simply no way we could keep so many wealthy investors happy without delivering on what we promise.

Our goal is to double that number in the coming years—and I’d love for you to be one of them.

But you need to make your move now.

I've done everything I can to make joining Personal Finance today a no-brainer.

I've shown you countless examples of real people just like you who are raking in thousands of dollars a month from “mortgage refund” checks.

I’m offering to send you a suite of reports that will show you how to do the same thing up to 40 times in the next year.

I'm giving you 90 days to try out Personal Finance completely risk-free.

And I've even slashed the price to join by 60% – so when you sign up today you’ll be doing it for the lowest price we’ve ever offered.

You can do whatever you like with the money you save, of course.

But my hope is you’ll use it to claim your share of the $6.6 billion this plan is scheduled to pay out this year.

It's time for you to act.

You can either seize this opportunity... or let it slip through your fingers and kick yourself later.  

There are only 1,000 spots available today.

To claim yours simply click on the button below.

Get Started Now!

It will take you to a secure membership form where you can review everything one last time before joining.

Thank you so much for reviewing this important research.

I look forward to welcoming you to Personal Finance in the next few minutes.


Jim Pearce
Chief Investment Strategist
Personal Finance




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