Then when you look at Amerisave's rates as posted on
BankRate.com as of 1/20/11 their FHA 30 year fixed rate is 4.25 with an APR or
Annual Percentage Rate of 4.806. What most people don't understand is that APR
is much higher because it is calculated based on the true amount of money a
consumer is borrowing vs. the actual loan amount less the fees being charged. I
know it can be confusing, and that's confusion it is what predators use to
distract their prey. In this 1/20/11 example below the APR is more than a
point higher than the rate. This means the consumer is being charged fees which
are not disclosed Up Front.

The only thing Up Front about the Up Front Mortgage
Broker Award is that the Mortgage Professor has a disclaimer stating he gets
PAID by Amerisave.