Information Brokerage Systems has been in business providing biweekly mortgage service since 1989. In 1995, we developed the Mortgage Manager software program making it possible to provide the biweekly service at no cost to the homeowner. Our Lenexa business license number is 1001 1767. Our Dun & Bradstreet number is 79-922-3433. We're also members of several business organizations in Kansas including the Shawnee Chamber of Commerce.

The Executive Vice President of the Mortgage Management Division of I.B.S., Inc. has received national honors, These honors include being featured in "Who's Who Among Outstanding Americans", "International Leaders In Achievement and the 1996 edition of "500 Leaders Of Influence' which is on permanent display at the U.S. Library of Congress in Washington, D.C.

The International Biographical Institute has awarded him "Man Of the Year" for  1995 - 96 for his development and production of this software  - The Mortgage Manager™. This software program has helped thousands of homeowners just like you save $50,000 to $150,000 and more, eliminate years of mortgage payments, and avoid costly lender miscalculations. You'll have certified trained mortgage reduction experts managing your mortgage and they are just a phone call away to answer any of your questions.

How long am I committed to your service ? What if I decide to try it, but later change my mind ?

Using The Mortgage Manager™, even on a trial basis, commits you in no way. Our service is free, so trying it costs you nothing. If you are unhappy, you can cancel at any time without any obligation whatsoever. However, our past experience tells us that you will enjoy the free service and the savings so much that you will be telling your friends and relatives about it.

How is my mortgage payment protected with your service ?

The bank our company uses to make the electronic transfers of your bi-weekly mortgage payments is ranked as the forth largest bank in America. They are an automated clearing house and a division of the Federal Reserve. Your electronic transfer is federally insured up to $100,000 under Regulation "E". It is then insured for an additional $100,000 through F.D.I.C. insurance, so you can be assured that your money is safe and secure.

All electronic transfers are done through the Federal Reserve System so your funds are protected by Federal Reserve Banking Regulations and Laws to guarantee proper fund transfers. Federal Regulation "E" protects you from unauthorized electronic withdrawals. Regulation "E" is an electronic transfer consumer protection regulation which regulates and enforces Banks, Savings & Loans, Private Companies, etc. in reversing any unauthorized debits within 60 days of being reported to the consumers bank. Due to these regulations and laws, you can be assured that your funds are handled properly.

Furthermore, we have very sophisticated ways of tracking your monthly mortgage payment. If for any reason your payment is not received by your lender within 5 days prior to the end of your grace period, we automatically call your lender. If the first payment has not been received, this allows sufficient time to get a second payment to your lender without incurring a late fee. In the unlikely event a late fee is incurred, we will pay the fee and write a letter of explanation to your lender.

Our FREE software also allows you to track and audit your mortgage payoff and savings every step of the way.

I think I've heard of this service before, but it was never free. How can you provide so much at no cost ?

There are several other companies and banks who offer these same services. However, they ALL charge a fee ranging from $395.00 to over $1,000.00. We could easily do the same, but homeowners who are just getting by (and who need our services the most) have a hard time paying a few hundred dollars even when it's going to save them thousands of dollars.

Volume is how we are able to offer this service for free. The Mortgage Manager™ is the most popular and efficient mortgage reduction system in use today. We help a much higher volume of homeowners than other companies. Because of this volume, our revenues are generated in different ways and we don't have to charge you any up-front fees. We are paid interest by the bank in exchange for managing hundreds of millions of dollars which flow through America's banking system. The main point is that our earnings don't come out of your pocket like they do with other companies and banks offering the same services.

Can I do the same thing myself without your services ?

Almost. You can restructure your payments on a bi-weekly schedule but it requires a considerable amount of time, discipline, and knowledge about loan amortization, compounded interest, index and margin calculations, etc. to do it correctly. Statistics show 97% of people who try to do it themselves fail - those are not good odds to gamble with on what will most likely be the biggest investment of your life. Since our service is free, why go through the headaches of trying to do it yourself?

Most importantly, without our AUDITING PROGRAM which can be unlocked with a special verification code we will send you, there is no way for you to track your savings or catch lender mistakes. Our software will automatically do this for you at no cost. This is really the most important part since the F.D.I.C. estimates that errors by the mortgage lender occur about 50% of the time with the average mistake costing the homeowner over $1,500. Below are some articles that emphasizes the seriousness of this fact:

ATTORNEY GENERAL OF NEW YORK - After ordering the nation's largest mortgage lender to refund $150 Million dollars in overcharges; "We dug deeper and deeper and found that this system of overcharging is virtually universal. It runs across the entire mortgage lending industry."

THE HERALD - "Lender holds principle payment; About four months ago, my wife and I decided to start making extra payments on our mortgage. We were shocked when we realized the lender held these checks more than 60 days before applying them to our loan." C.C., Miami.

Can I increase my monthly payment to save even more ?

Yes, if your budget allows you to pay extra on your mortgage in addition to your regular bi-weekly mortgage payments, it can be well worth it. Most people do not know that increasing their bi-weekly payment as little as 13% can pay off a 30 year mortgage in 15 years. Now, you can increase your bi-weekly payment as little or as much as you want, and at any time that it is convenient for you.

Additional questions and answers can be found when you run The Mortgage Manager™ software.