I have to say that after several hours of researching the Living Free and Clear system by TJ Marr, I couldn’t find a single person who has used it on any message board or newsgroup.

The only posts praising it to the skies were affiliates selling it. A couple of people in the loan business said they were curious but cautious, and one person ordered it, then couldn’t get a refund.

The claim TJ Marr makes is that you can pay off a mortgage in about 1/3 the time it would normally take by putting all cash into the loan balance, and then paying bill from a home equity line of credit.

Now, they don’t tell all the details, since they want you to buy the system, but you have to ask a couple of questions here. First off, if this method works, why isn’t it widespread knowledge? He claims you don’t have to spend any more money each month, and making interest work for you instead of against you this way lets a person pay down their balance much quicker.

I’m no financial expert, but the math here just doesn’t add up. Home equity loans charge interest, and often plenty of fees for accessing the account. Also, if your cash is in the mortgage, then your not paying interest on it, but that interest is tax deductible, and if it’s normally in a checking account getting five percent anyway, I don’t see where the savings comes from. The real danger is if your house goes down in value and they freeze the HELOC like Countrywide did last summer to over 100,000 people in a month, then you can be in deep trouble.
The only person I saw on all the message boards who ordered it, bought it for $99, then they charged him an additional $900, and he claims to have returned it three weeks later and they wouldn’t give him a refund. Also, they claim a 30 day refund policy, and a 12 month refund policy if you can prove that mathematically it doesn’t work.

After studying and researching these claims, along with their charge you $99 then another $900 later policy, this just doesn’t add up. This is the only person in the world who knows how to pay a mortgage in 1/3 the time it takes, with no additional money?

I’m sorry but I just won’t be going for this one. It’s been available for a couple of years and if it worked as advertised. it would be on Oprah, it would have sent shock waves throughout the country with homeowners.

The only people praising TJ Marr’s Living Free and Clear course are the affiliates who want you to buy it. I do wish I could have found a single person on the entire Internet who’s used it and been successful, but I haven’t.