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Third Party Tracer Program - Helping Homeowners with Refunds.

Before we begin, we want you to know everything we present here
is 100% legal, moral, practical and can be verified with the United
States Federal Government Department of HUD.

Please read everything very carefully so that you will have a
complete understanding of the contents of this program. After
you've read everything, please feel free to visit our Internet Site for
more details.  

It will only take 5 minutes of your time to read this information.

Internet Site: http://www.microsmarts.com/homebiz.htm
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               We are also a Member of the Better Business Bureau 
                    and we participate in the BBB CARE program.

Please Print out This Page if you prefer instead of reading online.

Did you know that you could earn a very attractive second income
working from home just by locating people that are due a refund
coming from HUD and helping them obtain their claim? Often
people have no idea they have money owed to them by the
Government and your entire job consists of finding these people
and following the methods in our 1996 Professional (Thirty-Six
Page Graphical) HUD Tracer Step by Step Guide. 

This is because everyone who has ever purchased a home with an
FHA/HUD OTMIP mortgage had to pay an MMI or MIP insurance
policy premium on the loan. What this did is allow the borrower to
purchase a home with a smaller down payment and at the same
time, guaranteed the lender that if the borrower defaulted on the
loan, the U.S Federal Government (HUD/FHA) would step in and
pay the loan. 

Because of this system millions and millions of Americans were
allowed to buy a home who otherwise never could. Each of the
borrowers were told that if they paid back the loan in good faith,
they would be entitled to receive a portion of what they paid back
in a refund on their MMI or MIP insurance policy premium. 

A lot of these people in the process of moving don't even know
they have money sitting there that's due to them. If you locate these
unsuspecting citizens and help them obtain their claim, you can
charge a processing fee (we recommend 30%) for helping them get
their money back. 

Based on the U.S Department of HUD State Lists of Recipients
that are due a refund, there is under 100,000,000.00 dollars owed
to tens of thousands of individuals on a national level. The average
refund based on a national level of those due an MIP refund from
the Department of HUD is around $800.00-$1000.00. 

Based on the average refund of $800.00-$1000.00, if you charge a
30% processing fee, as we recommend, your fee come to about
$240.00-$300.00 per MIP Refund you help obtain. 

Just imagine the INCOME POSSIBILITY of this opportunity if
you can locate and process the claims for only 3-5 individuals a
week based on a $240.00-$300.00 processing fee per MIP Refund
you help obtain. 

But if you wanted to, you could only work on the cases where
individuals have over $2,000 coming back. The actual number of
claims that a tracer can process in one week may vary greatly
among tracers nationwide. 

Question: How much would I make if I process the claims for 3-5
Individuals each week that are due a refund based on a 30%
processing fee from the average amount due to the claimant? 

Well based on the above processing fee of 30% and the above
average it would come to about $720.00 - $900.00 if you locate
and process the claim for three individuals that are due a refund
and $1200.00 - $1500.00 if you locate and process the claim for
five individuals that are due the refund based on the above average
each week. 

The above figures represent mathematical calculations only and
does not necessarily represents the weekly income earned by the
average third party tracer. 

MicroSmarts Enterprise by law can not guarantee any income
figures that can be obtained in a Home Business Opportunity. All
we can do is show you facts and figures and allow you to come to
your own conclusions. 

The income possibility for this Home Business is dependent on the
effort and persistence of the person working the opportunity. As an
entrepreneur only you can determine the amount of income you
can generate. As in any business in society, you can make more or
less depending on how hard you work at the business. 

One of the best features of the Third Party Tracer Program is that
you are not limited to only working the cases in your State. In fact,
you can become a National Third Party Tracer where you will be
processing the claims not only for your state but others as well.
The income possibilities of this opportunity are virtually unlimited. 

Question: So what's stopping me from simply obtaining a TWO
OR THREE SHEET FLYER from HUD which provides basic raw
data information telling me what I have already learned on your
web site, instead of obtaining your (Thirty-Six Page Graphical)
1996 Professional HUD Tracer Step by Step Guide in only a
couple of days providing Insider Techniques that successful HUD
Tracers may use for only $24.95? 

Nothing, but how will you know how to contact these people, learn
professional tips of what to say to be effective, know how to do the
paper work, know how to get paid in a reasonable period of time
after you locate an individual who's due a refund, know how to get
a fast response from the borrowers of the claim, how to keep
proper records, know how to use your phone to help locate people
due a refund without charging up a large phone bill, know how to
close the deal to make sure you get the funds in your hands as fast
as possible, plus much more, without our information? 

Also our 1996 Professional HUD Tracer Step by Step Guide is
written so that just about anyone can understand it and you can
have our (Thirty-Six Page Graphical Easy to Understand Package)
in just a couple of days. 

Also for those who want to take this all the way, we also sell an
excellent Professional 85 Million Home Research Phone Book on
just two CD-ROM Discs for only $45.00. All you will have to do
is just type in a person's name on the Recipient State List and do a
cross search to locate them, then just get them on the phone and
follow the methods in our 1996 Professional HUD Tracer Step by
Step Guide. 

If you decide to purchase our 1996 Professional HUD Tracer Step
by Step Guide and not the Professional 85 Million Home Phone
Research Phone Book CD, you can still participate in this
opportunity because we are going to show you EIGHT methods
you can use to locate individuals who are due a refund. 

Some of these methods have not been discussed anywhere else
because no one really has a vested interest in promoting them. Here
is what you will find in our 1996 Professional HUD Tracer Step by
Step Guide for only $24.95. 

Our 1996 Tracer Step by Step Guide will contain the following.
     Thirty-Six Page Graphical Easy to Understand Package.

Part 01: What you will be doing as a HUD Refund Tracer.
Part 02: Insider methods for locating people who're due a refund. 
Part 03: Precise Script of what to say and different approaches. 
Part 04: What to do after you find the individual.
Part 05: How to get paid in a number of days  3 Different Methods
Part 06: How to Keep Records plus the Record-Keeping Sheet.
Part 07: Sample Letters and different approaches.
Part 08: Contracts, Forms & Procedures. 
Part 09: Questions that you may have.
Part 10: Phone Numbers & Addresses that you may need.
Part 11: 1996 Home Phone Business Reference Tool.
Part 12: How to obtain State Lists in only a couple of days. 

Your Package will also contain the following features.

1. 1996 Professional HUD Tracer Step by Step Guide.
2. All the forms you need to have that are provided by the Gov�t.
3. We include pre-completed forms to save you time.
4. Pre-Completed Sample Letters as a great example.
5. Customer Invoice with Warranty and Ordering Information.
6. Insider Methods & Techniques U.S Tracer State List Brochure.
7. 1 Year Access to the National Omega Tracer Network.
8. 24 HOUR FREE SUPPORT from the Network.

                 Obtain our HUD Step by Step Guide for $24.95 
                    in Manual Format or in the following formats: 

CD-ROM Format for Win 3.1 & 95 Systems is only for $69.95
CD-ROM Format for Macintosh Systems is only for $69.95

PC & Macintosh Compatible System Platform.

PC & Macintosh Requirements:

PC Requirements: Win 3.1, Win95, Win NT, MS DOS 3.1 or later.
Mac System Requirements: Macintosh System 7.0 or later. 
PC Hardware: 386 or later with VGA Monitor & CD-ROM drive. 
Mac Hardware: Color-capable computer with CD-ROM drive. 
PC Memory Requirements: 4MB or more of available RAM
Mac Memory Requirements: 4MB or more available RAM 

Features with the Graphical CD-ROM Disc version.

1. Our Graphical CD-ROM Disc version of the Tracer Program.
2. Adobe Acrobat Reader for the PC or Macintosh System.
3. Five Third Party Tracer Lists of your choice on CD-ROM.
4. The ability to Print Forms & Letters right off your Computer. 
5. 1996 Professional Third Party Step by Step Guide Manual  
6. 1 Year Access to the National Omega Tracer Network.
7. FREE Support by Email, Phone or by the Network.
8. The ability to Chat with other Tracers Nationwide in Real-Time.  
9. FREE Third Party Tracer Guide New Revision Updates. 

Our Complete 1996 Professional Third Party Tracer Graphical
CD-ROM Complete Start-up Edition for only $69.95 contains
everything you need including Five Tracer Lists of your choice to
be successful in this opportunity, except your own effort and
persistence and it comes with a 30 Day Money Back Return
Policy. 

               Does this program require a large investment?

No. Our 1996 Professional HUD Tracer Step by Step Guide for
$24.95 with a Tracer State List or our Graphical CD-ROM
Complete Start-up Edition for $69.95 is all you will need to get
started following our package. A few postage stamps, some paper
and envelopes and maybe a few phone calls and you will be in
your own home business in a couple of days. 

Try our course RISK FREE for 30 Days and if you are not
completely satisfied with it, you can return our 1996 Professional
HUD Tracer Step by Step Guide in whatever condition it may be in
for a prompt refund for the cost of your manual minus shipping &
handling. 

Our 1996 Professional Graphical CD-ROM Complete Start-up
edition refund policy is very simple, just send back all the material
you received in the package and you will receive your refund for
$69.95. However, we feel we need to let you in on a little secret
that our company knows. We know that you are not going to want
your refund because the first case you successfully process will pay
for the package many times over. 

You now have a choice in front of you.

Are you going to order our package which can change your life 
or are you going to wait years later saying if you only had?

We have provided you with the THREE MAIN POINTS for your 
decision to order our package that will get you started right now.

1. A Method of verifying this opportunity to see that it's legal.
2. A Company with a reputation at the Better Business Bureau.
3. A Money Back Guarantee so you have nothing to lose. 

NO MORE EXCUSES - ORDER RIGHT NOW

If you're interested in starting your own home business right away
by ordering the 1996 Professional HUD Tracer Package for only
$24.95 or our Graphical CD-ROM Complete Start-up Edition for
$69.95 plus $6.75 shipping, you can call MicroSmarts at
1-800-784-0431 or local at 1-815-723-8461. We accept Visa,
Master Card, Discover, American Express & Check by Phone, so
please call and order now or if you prefer you may send a check or
money order in the amount of your order plus $6.75 S&H to
MicroSmarts Enterprise 302 Henderson Ave, Joliet IL 60432. 

Your order will have the shipping method of 2 Day Air Ultra Fast
United Parcel Service. Your order will be shipped out from the
company after a 24-72 hour processing period, where you will
receive your order in 3-7 working days. 

FOR MORE INFORMATION BEFORE ORDERING PLEASE
CONTINUE READING OR VISIT OUR WEB SITE AT:
http://www.microsmarts.com/homebiz.htm
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OBTAIN YOUR THIRD PARTY TRACER LISTS FROM US.

HUD Recipient State lists includes the Mortgagor Name, Address,
Mortgagee Case ID#,  Date & Amount that individual has coming
back to them from the Government.

These Lists are the actual people you will be tracing.

There are also some cases that will only contain the Mortgagor
Name, Mortgagee Case Number, Date & Amount owed by the
Government in some of the listings. These additional names which
we like to call Bonus Cases are excellent for those who order the
85 Million Home Phone CD-ROM Phone Disc or members of the
National Omega Tracer Network.

Cases on the lists are the actually people that are due the refund
and your entire job will be to locate them and follow our package.  

We can supply you with HUD State Listings on 3.5 Disk Media, 
Paper Format or CD-ROM Disc Format and you can have them
sent to you by UPS 2 Day Air Shipping in only 48-72 hours after
you order.  So you can get started in just a COUPLE of Days!!

CD-ROM Format is only available when you order at least 2 Lists.

ALABAMA =$15.00
ALASKA = $15.00
ARIZONA = $15.00
ARKANSAS = $15.00
CALIFORNIA = $45.00
COLORADO = $15.00
DELAWARE = $15.00
WASHINGTON D.C = $15.00
FLORIDA = $45.00
GEORGIA = $15.00
HAWAII = $15.00
IDAHO = $15.00
IOWA = $15.00
ILLINOIS = $15.00
IOWA = $15.00
KANSAS = $15.00
KENTUCKY = $15.00
LOUISIANA = $15.00
MAINE = $15.00
MARYLAND = $15.00
MASSACHUSETTS = $15.00
MICHIGAN = $15.00
MINNESOTA = $15.00
MISSISSIPPI = $15.00
MISSOURI = $15.00
MONTANA =$15.00
NEBRASKA = $15.00
NEVADA = $15.00
NEW HAMPSHIRE = $15.00
NEW JERSEY = $15.00
NEW MEXICO = $15.00
NEW YORK = $45.00
NORTH CAROLINA = $15.00
NORTH DAKOTA = $15.00
OHIO = $15.00
OKLAHOMA = $15.00
OREGON = $15.00
PENNSYLVANIA =$15.00
RHODE ISLAND = $15.00
TENNESSEE = $15.00
TEXAS = $45.00
UTAH = $15.00
VERMONT = $15.00
VIRGINIA = $15.00
WASHINGTON = $15.00
WEST VIRGINIA = $15.00
WISCONSIN = $15.00
WYOMING = $15.00

We give you even more incentives to order from us.

Special #1: Obtain  2  State lists from us and we will give you
THREE of the following state lists at no additional cost.  
Connecticut, Alaska, New Hampshire, Vermont, Maine, Delaware,
Washington DC, West Virginia, New Mexico, Kansas,
Massachusetts, Iowa, Louisiana, Oklahoma, Mississippi, Utah,
Wisconsin, Oregon, Nevada, South Carolina

Special #2: Obtain 3  State Lists from us and we will give you
SEVEN of the following state lists at no additional cost. 
Connecticut, Alaska, New Hampshire, Vermont, Maine, Delaware,
Washington DC, West Virginia, New Mexico, Kansas,
Massachusetts, Iowa, Louisiana, Oklahoma, Mississippi, Utah,
Wisconsin, Oregon, Nevada, South Carolina

Special #3: Obtain 4 State Lists from us and we will give you ALL
of the following state lists at no additional cost. Connecticut,
Alaska,  New Hampshire, Vermont, Maine, Delaware, Washington
DC, West Virginia, New Mexico, Kansas, Massachusetts, Iowa,
Louisiana, Oklahoma, Mississippi, Utah, Wisconsin, Oregon,
Nevada, South Carolina

State Lists are based on a Search & Duplication cost and is not a
charge for the information.  Therefore the fee is non-refundable.

To order one or more of the following state lists please call
Microsmarts at 1-800-784-0431(USA ONLY) or 1-815-723-8461.  
We accept Visa, Master Card, Discover, American Express & 
Check by Phone, so please call and order now or if you prefer you
may send a check or money order by filling out the below order
form. 
------------------------------------------------------------------------                                    
PLEASE PRINT OUT THE FOLLOWING ORDER FORM.

Name:
__________________________________________________

Address:____________________________________________

City:___________________ State:_________ Zip:___________

Phone (   )_____-__________ E-Mail:_____________________

HUD TRACER PROGRAM ORDER SECTION
Put a Check Mark in the Box if the answer is Yes.

1996 Professional Step by Step Guide - $24.95  (____)
1996 Professional CD-ROM Edition (PC)  - $69.95 (____)
1996 Graphical CD-ROM Edition (MAC) - $69.96 (____)

5 FREE TRACER LISTS WITH CD-ROM EDITION.
                          Enter the State Listing Abbreviations.

1. FREE STATE: (_____)  2. FREE STATE: (_____)  
3. FREE STATE: (_____)  4. FREE STATE: (_____)  
5. FREE STATE: (_____)  

85 Million Residential Home Phone CD-ROM For $45.00  
(__)
Complete 50 Tracer Lists with FREE Bonuses (PC)  - $149.00   
(__)
Complete 50 Tracer Lists with FREE Bonuses (MAC) - $149.00
(__)

Third Party Tracer Lists Order Section

                        Enter the State Listing Abbreviations.
Lists are $15.00 with the exception of CA,NY,FL,TX for $45.00

State List Order 1: (______)
State List Order 2: (______)
State List Order 3: (______)
State List Order 4: (______)

BONUS STATE LISTS SPECIAL:
Special #1: Obtain 2 State Lists and Receive Three for FREE.
Special #2: Obtain 3 State Lists and Receive Seven for FREE.
Special #3: Obtain 4 State Lists and Receive Twenty for FREE.

STATE LIST FORMAT:

CD-ROM PC          (______)
CD-ROM Mac        (______)
3.5 Floppy Disk PC (______)
Paper Format           (______)

Shipping Cost: $6.75 UPS 2 Day Air Shipping Method
Shipping Cost: $14.25 International Shipping
Shipping Cost is FREE with 50 State List Package Order.

GRAND TOTAL: ($____.____.00)

METHOD OF PAYMENT -payable to MicroSmarts Enterprise:  

Check (____)  Business Check (____)  Money Order (____)

Send Payment for fast shipping to:

MicroSmarts Enterprise
302 Henderson Avenue
Joliet, IL 60432

Your Order will be shipped out by UPS 2 Day Air Shipping.