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How to Own Your Home Years Sooner - without making extra interest payments Paperback – November 5, 2003

4.4 out of 5 stars 89 customer reviews

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Editorial Reviews

Review

...gives us hope that we can achieve freedom from our mortgage before a ripe old age. --Your Mortgage Magazine

. . . cut the term of your home loan significantly. --Personal Investment Magazine

Save a bundle on your home loan. --The Sunday Times

. . . it's a BRILLIANT System. -- NBC's Saving You Money

... this book is an EXCELLENT summary and detailed analysis of methods by which mortgages can be effectively eliminated. --WA Business News

It s like having your money do aerobics. -- Mortgage Know How Magazine

Strategies for saving a bundle on home loans. --The Melbourne Age

--The Sunday Times

. . . cut the term of your home loan significantly. --Personal Investment Magazine

Save a bundle on your home loan. --The Sunday Times

About the Author

Harj Gill graduated from the University of Western Australia with a Master's degree in Education. He went on to specialize in the field of mortgage reduction strategies and became a bestselling author in 1997 with the Australian edition of this book, which subsequently sold over 150,000 copies. The latest edition of his book specifically caters to North American home loan borrowers to help them Own Their Home Years Sooner.
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Product Details

  • Paperback: 160 pages
  • Publisher: Speed Equity® Publishing; Second Edition edition (November 5, 2003)
  • Language: English
  • ISBN-10: 0974267600
  • ISBN-13: 978-0974267609
  • Product Dimensions: 8.4 x 5.8 x 0.7 inches
  • Shipping Weight: 12.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (89 customer reviews)
  • Amazon Best Sellers Rank: #326,175 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

Format: Paperback
I also saw Harj at Millionaire School in 2006 and he was great.

One of the previous reviewers called the book deceptive and even pointed out an example from the book:

"The author sets up 2 individuals and claims they are equal. Then he states that one has no mortgage and one does."

He must not have read the book very carefully.

"Then uses the numbers to show how having no mortgage is better."

What the book actually used that example for was to show that the tax deduction for mortgage interest paid alone is not worth maintaining a large balance on your mortgage. The tax deduction will help ease the pain, but it will never make up for the money you spent paying interest. A house is definately a great investment but why pay more more money in interest than you have to?

This is a revolutionary book. In fact, it's already revolutionized the Australian banking industry.

I've implemented this system already. I opened a new HELOC account (no application fee or closing costs required). I have not cut down on my expenses or factored in any increases in my income, nor am I refinancing my current mortgage.

All told, my investment to make this work was the $25 for the book and that was it.

How much will I be saving? $236,445

___________________

The traditional way

Interest rate: 6.250%

Time left on mortgage: 28 years

My current mortgage amount: $285,000

Total cost of interest: $323,996

Total cost of the mortgage: $609,318

______________________

Using Harj's System

Interest rate (same): 6.
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Format: Paperback
I am a retired high school math teacher and my wife taught elementary school. After we retired we moved and were not looking forward to paying a mortgage for 30 years. We are so happy we decided to read and try the system described in this book. The amazing thing is not that we will have our mortgage paid off in just 5 years, although thats pretty great, the best part is we are doing it without any change to our life style. We still take the same vacations and get out to play golf like we did before we read "Own Your Home Years Sooner." If you have heard, if it is too good to be true it isn't, then you have probably heard, every rule has an exception. This is the exception to the rule. Please don't listen to the nay sayers on the web. It really does work...our home will be paid off in the fall of 2014.

Okay here comes the math teacher in me. You do need to have a 20% equity position in your house. For example, if your house is worth $100,000 you should owe $80,000 or less...if it's worth $200,000 you should owe $160,000 or less. If you have a 20% equity in your home you qualify for a Home Equity Line of Credit (HELOC) which is necessary for this program. Let me stop right here and say that if you are the type of person who can not be disciplined about their spending habits this program is not for you. Please stop reading and forget you ever heard about it. Here's why. We qualified for a $75,000 HELOC. That money is for the program and not to be spent on "stuff". If you can do that then get the book. If you can't please walk away now.

Our son and his wife are language arts teachers. They do not qualify for a HELOC because they don't have 20% equity in their home.
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Format: Paperback
This is definitely a 'must have' book for anyone who owns a home, wants a home, has a mortgage, has debts, doesn't have debts but wants to increase their investments, or, ahhh, did I leave anyone out? Heck, my mom, with just a bit of cash from selling the family home, could profit from this book even though she doesn't now have a mortgage!
What I really liked about "Own Your Home Years Sooner!" was the simple, step-by-step explanations of what could have been complicated financial hoo-hah to some of us, myself included. Usually I pass this type of stuff to my 'former banker' husband. But even I could understand how Harj's system works and was even able to talk to others about it in a coherent fashion.
If you are considering any of those bi-weekly or weekly payment plans and the like, you MUST read this. The author gives a great rundown on these programs and how they work (or don't work).
I read the first edition and talked with the author too and know he has even more helpful chapters planned for us. Be sure to see his website for the latest updates.
It's a quick easy read, but you'll be referring back to it as the potential of it begins to sink in. You really can own your own home sooner.
As I do not yet have a mortgage (we are looking for a home and mortgage right now), there was not a lot of specific advice for first time home buyers. Talking with the author, he really wrote the book for people with mortgages, but with the 80-100% LTV loans now available in the US, he may have to add yet another chapter to this book for us on the purchasing side.
Even without the specific advice, I was able to talk rather intelligently with a mortgage company owner using the lingo I learned in the book and that itself was worth the cost of the book!
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