>> announcer: the following is a paid presentation for quicken loans. >> would you like to put a little more money in your pocket each month? would you like to save money on your mortgage? or would you love to find a way to get into the home of your dreams? maybe you're worried about finding the best loan for you. or how long might it take. you might worry about finding a mortgage lender that you can trust. >> i was tired of living in my apartment. decided, "hey, let's go buy a house." >> the surprise was that there were no surprises. >> at 23, i was just trying to find somebody who would have confidence in me. everyone at quicken loans made things amazingly simple for me. >> it's not just an online service. it is personal service. >> this is cathy, who i helped do her first home loan, and this is her sister tina, who i also helped do her first home loan.

>> we wanted to stay in our same neighborhood. cathy said, "well, let me give you rachel's number." rachel just made it effortless. i didn't have to do any of the work. rachel did it for me. >> the whole loan process was simple and convenient. >> the people at quicken loans really care. it was nice being able to call them whenever i needed to answer questions. they were on it. they were on top of everything. quicken loans made everything super convenient and easy. so, the fact that they could work with my schedule was just wonderful. that's why i love quicken loans. >> hi, i'm jay farner, president of quicken loans, and we're here in downtown detroit with some of our 10,000-plus team members who are helping americans purchase new homes or refinance their existing mortgages. in the next half-hour, i'm gonna show you why millions of satisfied clients have turned to quicken loans for their refinance or new home purchase. we'll meet members of the quicken loans team, and walk through our amazing mortgage process so you can see exactly why getting a mortgage with quicken loans is so simple. and we'll hear from more of our

satisfied clients who found the right mortgage for their needs at quicken loans. people like jane and chickie. >> i'm jane rothrock. >> and i'm chickie payne. >> i started teaching in 1973. i taught sixth grade for quite a while. >> i began to go to art school when i was 55 years old. i was in with all these young people and me. >> we hear of a need that somebody has, we try to assist them. >> along the way, we've always helped people. >> i was online, and i actually sent in some information to quicken loans, and their mortgage banker summer khoury contacted us, and that actually got the ball rolling. >> no matter what i brought up to summer, it was a non-issue, really. i mean, she made all my worries go away. we eventually referred to her as our superstar. >> working with quicken loans, i actually felt like i was working with a family member.

it was amazing that you didn't even have to have a person sitting right next to you. you could sign things online -- e-signatures and so on. we ended up saving i'd say $500 or $600 a month, which enabled us to be able to travel more. if i want to do something, it has to be something i believe in. i would say that quicken loans has a philosophy like we do, where we're out trying to help other people, and i feel that quicken loans does whatever it can for making life better for others. >> what a great feeling it is to help people like jane and chickie refinance their mortgage, and free up money every month that they can use to do the things that are important for them, things that make their lives better. at quicken loans, we love what we do. we're passionate about helping people because we're a high-energy team, and we put that energy to work for you. >> it's a comradery. it's a fun place to be. it's an enjoyable place to just let loose but still stay focused, help the client out and enjoy yourself.

>> we get pretty loud. it's like a celebration. you'll hear horns going off, you'll hear loud cheering. that's got to be my favorite part of the day. it kind of pumps us up. >> if everybody here is having fun and enjoying themselves and loves working together, that comes through in how our clients are going to feel. why do you sing to clients? when do you sing to clients? >> 'cause i get excited, especially when someone's about to close. i'm like, "hey, you're about to close your loan." >> oh, you have a closing song? >> we're about to close your loan. can i get a "whoo-whoo." and sometimes they're like "well -- " "no, i'm not gonna go over your figures until i get a whoo-whoo." >> they'll give you one. >> yeah. >> they're excited to close. >> yeah. >> we're dedicated to getting the clients' loan closed. i'm gonna come in and just go the extra mile so the client knows that, hey, i'm working hard and my team is working hard to get the loan closed. >> we eat, sleep, drink urgency. everything is done in a timely and order manner. >> we live by a code of conduct that i really believe in. i mean, i keep "do the right

thing" on my desk because i love it that that matters here. >> quicken loans is absolutely amazing. we are who we say we are, and we can do what we say we can do. >> i'm talking to a client, a real person whose house is on the line. would my mom be okay with the way i'm treating them right now? >> announcer: and for five years in a row now, jd power has ranked quicken loans highest in the nation in customer satisfaction and this year, for the first time, they've also ranked us highest in the nation in mortgage servicing. >> earlier, i mentioned the amazing mortgage process from quicken loans. let's learn a bit more about that now. >> announcer: at quicken loans we do mortgages. and we know they can sometimes be frustrating. but don't worry. everything we do is engineered to make mortgages simple every step of the way. we'll make it easy to understand the entire mortgage process. so what really happens when you get a mortgage, and what can you expect when you get your mortgage with quicken loans? a streamlined mortgage process that's engineered to amaze. let's walk through it together. you'll apply. we'll review your credit. you'll create a myql account.

we'll underwrite your loan to verify all your information, and before you know it, you'll be closing your loan and celebrating the accomplishment of your goal. whether buying a new home, getting a lower payment, or cashing in on your home's equity. mortgages may seem complicated but we really do make it that easy, because quicken loans is engineered to amaze. >> now we're going to hear from another satisfied client vikki erickson. vikki's a big fan of the quicken loans experience, and one of our quicken loans team members in particular -- our very own matt schulman. matt, you had an opportunity to work with vikki on her loan. >> i did. >> what was that like? >> it was such a rewarding experience. definitely one of the highlights of my career. she's such a wonderful person, and i'm glad she's in her home. >> that's excellent. thank you. let's take a look at this video together and hear what vikki has to say about her experience with quicken loans. >> hi, my name is vikki erickson. i'm a social worker. as a result of certain life

situations, it was difficult to pay my bills. i'd actually considered just leaving my home. so i ended up taking on two part-time jobs in addition to my full-time position. i had been hearing about the harp loan. i got online and i submitted my information to the quicken loans link. within a half an hour, i got a call back from matthew shulman. you can just see his personality shine through on how he helped me. i would consider matthew to be a friend. he initially recommended the harp loan for me. and he said, you know, "i'm not gonna give up on you vikki. i'm gonna keep trying to get you qualified." and that's one reason i didn't leave my home. he called me on a sunday and said, "the harp 2.0 has just come out, and you qualify for this. we're gonna make it happen." and within a week, i was signing my closing documents. quicken loans really took in consideration my time. i could do everything over my cell phone. my payment was significantly lower. it was just so easy. when i knew i was able to keep my home, i was very proud. i just love my house. quicken loans allowed me to

refinance my house and lower my house payments so i could free up time and finances to do activities that i really enjoy doing. i got to date and get to know my husband, bob. it allowed us to do things that we enjoy doing together such as cycling and hiking. that's how we developed our relationship. i just highly recommend quicken loans. it's great for people who are hard-working folks that need that additional help. >> harp was a great option for vikki. and i'd love to share a bit more information about the home affordable refinance program because it could be a great option for you too. what would an extra $250 a month mean to you? for some, it's a little financial breathing room. for others, it's a car payment a home repair, or help with college tuition. but what would an extra $250 a month mean to you? call quicken loans now to see if you can save as much as $3,000 a year on your mortgage with the home affordable refinance

program, or harp. harp is a government program that helps homeowners who owe more on their mortgage than their home is currently worth. and 3 million americans have already taken advantage of this money-saving program. but there are millions more who may qualify, and you could be one of them. homeowners who refinance through harp save an average of $250 a month on their mortgage. don't let this opportunity pass you by. call today for a complimentary mortgage review to see if you're eligible to save with harp. even if you were denied a refinance with harp in the past, today's guidelines mean you may now be eligible. give us a call and a quicken loans mortgage expert will walk you through every step of our streamlined process. why quicken loans? the home-loan experts at quicken loans fully understand the harp guidelines. we'll work with you to understand your specific circumstances and strive to find the financial solution that's best for you. after a few simple questions we'll see how much money you may

be able to put back into your pocket, where it belongs. with harp, there's less paperwork and often no appraisal required. we'll work to get you closed and on the road to saving money in 30 days or less. it's just that simple. and for five years in a row, jd power has ranked quicken loans highest in the nation in customer satisfaction, and this year for the first time, they've also ranked us highest in the nation in mortgage servicing. don't wait to start saving. call quicken loans today for a mortgage experience that's engineered to amaze. >> announcer: right now, interest rates are low, which means it's a great time to purchase a new home or refinance your current mortgage. quicken loans has been an innovative mortgage lender for 30 years, and we've closed over 2 million home loans, helping americans find the mortgage that's right for them. the majority of our home loans close in 30 days or less. that's right. in 30 days or less, you could be saving money on your monthly mortgage payment or buying the

new home you've always dreamed about. and with our industry leading technology and outstanding client service, you can stay updated on the progress of your loan every step of the way. it's that simple. >> our clients today are e-mailing us, they're texting us. get calls at 8:00 at night. i get calls at 8:00 in the morning, saturday, sunday. there's always somebody here at quicken. >> little different than the banking hours that they might have expected. >> you get our cellphone number, our e-mail, our direct numbers. heck, sometimes i even give them my home phone number if they need to. >> announcer: so call quicken loans today and talk to one of our home-loan experts. we'll listen to your goals, your concerns, and walk you through every step of the mortgage process. >> you can get anything from anywhere, but do you want to get it from someone who cares, or do you just want to get it from someone who's gonna consider you a number? >> announcer: from your first call to your closing date, we are going to do everything possible to make your mortgage experience a great one. we understand how much getting the right mortgage can mean. a first home or a bigger home for a growing family.

for some, it's a little financial breathing room. for others, it's a car payment a home repair, or help with college tuition. whatever your goals, our home-loan experts will work hard to help you get there. client satisfaction is our number-one priority. >> when my client closes their mortgage, it's an overwhelming feeling 'cause you're realizing that you actually helped somebody. you don't understand how it can affect someone's life as, you know, with simply closing their mortgage. so, to me, it's a great feeling because i feel like i came in and i was able to change someone's life. >> announcer: it's why we do what we do. for five years in a row now, jd power has ranked quicken loans highest in the nation for customer satisfaction, and this year, for the first time, they've also ranked us highest in the nation in mortgage servicing. so call now, talk to a quicken loans home-loan expert and find out more about the mortgage that's right for you. we offer a wide range of home loans to suit your financial situation, like harp. it's a government program that helps homeowners who owe more on their home than it is currently

worth. >> a lot of times, there's different options that we can do with that. we can lower the monthly payment, we can consolidate debt. we just want to make sure that you're being helped, you know your options, and we're here for you. >> announcer: call a home-loan expert now, and find out how quicken loans can help you find the right loan to fit your specific needs today. the quicken loans yourgage which allows you to customize your payment term, anywhere from 8 to 30 years, based on your goals and unique financial situation. we also offer a 30-year fixed-rate mortgage, an adjustable rate mortgage, or an arm, and v.a. loans. we work with you step by step throughout the entire mortgage process, making it simple. the way we do things and our expertise set us apart. >> we're not just number crunchers. i'm a client-care specialist for a reason. >> right. >> i specialize in what i do and i care about my clients. >> announcer: in fact, 95% of our clients say they would recommend us to friends and family. and we've earned an a+ rating with the better business bureau. quicken loans is the number-one

online retail mortgage lender in america. so join the millions of americans who have trusted quicken loans for their home loan. call quicken loans now. you have no obligation, and you'll receive a complimentary mortgage review. call today. >> hi, i'm sohail bashir. call today to see if our home-loan experts can save you money. your home is an investment, so put it to work for you. whether it's using those savings for a car payment, college tuition, or even a bigger home for your growing family, you'll be surprised at just how easy the mortgage process is. call us today for a mortgage experience that's engineered to amaze. >> hi, and welcome back. if you're just tuning in, i'm jay farner, president of quicken loans, and we're talking about how we make the mortgage process simple. how do we do it? new technology. at quicken loans, we give you more than just great loan options. we offer you easy-to-use online tools, like our myql and the quicken loans mortgage

calculator, that make your home-loan process a breeze. i spoke to a few of our team members about these online tools. let's hear what they had to say. >> myql is great. it gives clients unlimited visibility as to what's going on with their loan. you have a lot of things you need to do, so here's what we've done to simplify it. grab your documents, snap a picture of it with your smartphone and upload to me. i'll get it in a few minutes. they're blown away when they see that. >> someone can go onto myql. >> mm-hmm. >> they've got a question about their mortgage. they ask that question, they type it right in, and boom, you get notified a question's waiting for you. >> within i'd say a minute and a half, it's there. >> when you think about the technology, what else can they learn when they go to myql? >> the myquickenloans website's gonna guide you from questions about your rates, what homeowner's insurance you have who we have for contact information, and most importantly, how close are we to getting this process done? we can update you there. >> it allows our clients to actually monitor the entire progression of the loan from start to finish online. >> okay. >> so, it allows him to know two fundamental things.

one -- that's someone's always working on their loan. >> okay. which people want to know. >> paperwork isn't sitting on someone's desk just kind of collecting dust. and two -- that the numbers aren't changing, and if they are, you have your questions answered immediately. >> okay, so myql will give you all that visibility. you can see what's going on with your loan program, and you can reach out and talk to you or anybody who's working on the loan, right? it makes it easy to communicate? >> easy communication tool, and if anything, we want you to know what goes on with your mortgage 24 hours a day, 7 days a week. >> now let's talk a bit about another one of our popular loan options -- the yourgage. would you like a mortgage that is customized to your unique situation? with the yourgage, you have the flexibility to choose the length of your loan -- anywhere from 8 to 30 years based on your financial goals. and with the yourgage you can lower your interest rate while keeping your current mortgage term. get ultimate mortgage flexibility with the quicken loans yourgage. call us now to learn more. >> announcer: at quicken loans in the last 30 years, we've closed over 2 million home

loans, helping americans find the mortgage that's right for them. and we close the majority of home loans in 30 days or less. right now, you could be less than a month away from saving money on your mortgage or buying the home you've always dreamed of. from your first call to your closing date, we are going to do everything possible to make your mortgage experience a great one. in fact, 95% of our clients say they would recommend us to friends and family. and we've earned an a+ rating with the better business bureau. so call quicken loans today and talk to a home-loan expert. they'll listen to your needs and your goals, and walk you through your home loan step by step. we offer a wide range of home loans, like harp. it's a government program that helps homeowners who owe more on their homes than it's currently worth. or the quicken loans yourgage, which allows you to customize your mortgage payment term anywhere from 8 to 30 years, based on your goals and your unique situation. we also offer 30-year fixed-rate mortgages, adjustable rate mortgages, or arms, and v.a.

loans. quicken loans is the number-one online retail mortgage lender in america. we've closed more than 2 million home loans, helping americans find the mortgage that's right for them. client satisfaction is our top priority. and for five years in a row now, jd power has ranked quicken loans highest in the nation in customer satisfaction. and this year, for the first time, they've also ranked us highest in the nation in mortgage servicing. >> you have to see what the hype is really all about. >> i love it. check out the quicken loans site. >> announcer: call quicken loans now. you have no obligation, and you'll receive a complimentary mortgage review. so call today. >> hi, i'm erin pecherski. call today to see if our home-loan experts can save you money. your home is an investment, so put it to work for you. whether it's using those savings for a car payment, or college tuition, even a bigger home for your growing family, you'll be surprised at just how easy the mortgage process is. call us today for a mortgage

experience that's engineered to amaze. >> welcome back. i'm jay farner, president of quicken loans, and i'm here to tell you about a few of our loan options, like the 30-year fixed-rate mortgage. the 30-year fixed-rate mortgage is designed for homeowners who plan to stay in their home for many years. it provides a consistent mortgage payment for budget planning, and its got a rate that won't change for the life of your loan. so, you'll have a monthly payment will never adjust. let's take a look at this next video that will give us a bit more detail about that 30-year fixed-rate mortgage. >> announcer: the 30-year fixed mortgage has been america's number-one home loan choice for more than 60 years. there are a few good reasons why, starting with the fact that it offers a low payment and allows you to finance the home of your dreams at an interest rate that never changes. 30-year fixed-rate mortgages also known as conventional loans, are backed by fannie mae or freddie mac. they're amortized over 30 years, meaning you have 30 years of fixed monthly mortgage payments.

this is a popular option because you have peace of mind knowing your loan payment will always stay the same. and with the 30 year fixed, you could pay as little as 5% of the total home cost on your down payment. or refinance up to 95% of your primary home's value. this can be a great option whether you are a first time home buyer or refinancing your existing mortgage. 30-year fixed-rate mortgages are perfect for home buyers who plan to be in their homes for many years because they offer the consistency of an interest rate and payment that never change. they're a great choice if you're looking for a lower monthly payment, and the 30-year fixed-rate option is also available on fha or v.a. loans. does a 30-year fixed-rate mortgage sound right for you? >> quicken loans also offers an adjustable-rate mortgage program with some of the lowest mortgage rates available. these arms are a great option for so many of us. they're ideal for clients who plan to move or refinance in the next 5, 7, or 10 years. you can save thousands of

dollars over a traditional fixed-rate mortgage during the initial fixed-rate mortgage period. afterward, the rate may change once per year. so, if you are looking for a savvy financial tool, call us today and find out how much you could save with an adjustable-rate mortgage loan. you might also be interested in an fha loan, one of our most popular loan options. like so many of our clients already know, an fha loan has less stringent qualification and credit requirements. it allows you to purchase or refinance if your down payment or home equity is less than 20%, and it's a government-insured loan with flexible choices, so you can access the security of a fixed-rate loan or the versatility of an fha five-year arm. quicken loans is the largest v.a. lender in the united states, and we're proud to offer this exclusive home buying or refinance option for active duty military personnel veterans, and their families. v.a. loans allow active or retired service members to

purchase a home with little or no money down, and you can also refinance up to 120% of your home's value. so, if you're a veteran or a service member, call us today and find out how much you could save with a v.a. loan. let's take a look at this video of our client and service member, marjorie reyes. we were able to help her with our v.a. loan option. and that's a real privilege for us because at quicken loans, we take special pride in helping clients who serve our country. >> my name is marjorie reyes. i'm a chief warrant officer. i am very grateful and appreciative that quicken loans can offer service members v.a. loans. it was very important for me to be able to close and refinance my home quickly. i wanted to lower my mortgage payment. quicken loans guided me through every step of the process. the whole experience was amazing. >> are you tired of paying private mortgage insurance on your home loan every month? do you want to save thousands of dollars over the life of your loan? if so, our pmi advantage option can help you do both.

>> announcer: private mortgage insurance, or pmi is an insurance policy on conventional loans that lenders require you to pay if the down payment on your mortgage is less than 20% or if you're refinancing more than 80% of your home's value. pmi can add a substantial sum to your monthly costs -- up to a few hundred dollars. but the good news is pmi advantage. our lender paid mortgage insurance program gives you more options and flexibility. the biggest advantage is that you don't have to make a monthly pmi payment. here's an example based on a $200,000 30-year fixed mortgage. a traditional pmi plan would cost an additional $10,300. while pmi advantage would cost $4,750 over 8 years. with pmi advantage, you'd save a whopping $5,550. you'll have more buying power. you may be able to afford a more expensive home with a down payment of less than 20%. and less money up front means

you'll have more cash on hand for things like furniture, renovations, or repairs for your new home. pmi advantage is a great option whether you're buying or refinancing. and money paid toward mortgage interest may be claimed on your tax returns at the end of the year. does pmi advantage sound right for you? we all know that a mortgage is one of the biggest financial decisions of your life. in fact, maybe the biggest. that's a lot of pressure, but we're here to help you make the right decision to benefit you and your family. the kind of mortgage you get -- the rates, the terms and the experience itself -- makes a big difference when it comes to your financial security and happiness. you want a mortgage that suits your needs, your budget and won't throw you for a financial loop down the road. you want answers and information, not surprises. at quicken loans, we've simplified the entire mortgage process, so that you're educated and informed every step of the way. we've taken the guesswork out of getting a mortgage, and replaced

it with clear information and transparency. so you'll feel confident about your home loan decision. client satisfaction is our top priority. and for five years in a row now, jd power has ranked quicken loans highest in the nation in customer satisfaction. and this year, for the first time, they've also ranked us highest in the nation in mortgage servicing. >> i talk to clients every single day. okay. just so we're being transparent and keeping the clients in the loop, and i try to make it as easy as possible for them. >> i actually feel extremely proud. i feel proud to work for a company that takes client service to the next level. i feel like every day, we're focusing on the clients and worrying about, like, what is the best way to make sure that they close the smoothest way possible, and i take pride in that. >> what makes our team so special here at quicken loans is that we care about our clients on the other end. we care about the human being that's on the other end and we care about our people. again, we don't just treat everybody like another number. we don't just treat you as a loan number. we want to make sure that we

help you out. we want to make sure that our clients are fully taken care of and we put them into the best spot that we possibly can. >> yeah. >> we want to make sure that also, on a larger scale, we're all working together as a team and meeting your needs as a team. >> announcer: so call quicken loans today and talk to a home-loan expert who'll listen to your goals, and walk you through refinancing your mortgage or a loan for your new home. from your first call to your closing date, we are going to do everything possible to make your mortgage experience a great one. we want to be your lender for life. so call now, talk to a home-loan expert, and find out more about the mortgage that's right for you. the quicken loans yourgage which allows you to customize your payment term, anywhere from 8 to 30 years, based on your goals and unique financial situation. and harp. it's a government program that helps homeowners who owe more on their home than it's currently worth. our 30-year fixed -- a great option with a low fixed rate for the life of the loan. our adjustable-rate mortgage offers a super-low fixed rate for the first 5, 7 or 10 years

of the loan. and our v.a. loans, which offer veterans and service members a home loan with little or no down payment. so, join the millions of americans from all 50 states who've trusted quicken loans for their mortgage. call us today. you have no obligation, and you'll receive a complimentary mortgage review to see how quicken loans could help you save money on your mortgage. and for five years in a row now, jd power has ranked quicken loans highest in the nation in customer satisfaction, and this year for the first time, they've also ranked us highest in the nation in mortgage servicing. >> the surprise was that there were no surprises. >> everyone at quicken loans made things amazingly simple for me. >> it's not just an online service. it is personal service. >> i didn't have to think about any of it. >> easy. >> easy. the whole loan process was simple and convenient. >> the people at quicken loans really care. it was nice being able to call them whenever i needed to answer questions. they were on it. they were on top of everything. quicken loans made everything super convenient and easy, so the fact that they could work with my schedule was just wonderful.

>> thanks, everyone, for watching. we hope you've enjoyed learning more about quicken loans and how you could save money on your mortgage. i'm jay farner, president of quicken loans. call us today and talk to one of our home-loan experts about the loan option that might be right for you. you'll see firsthand how quicken loans provides you with a mortgage experience that's engineered to amaze. >> announcer: the preceding has been a paid presentation for quicken loans.

[♪...] >> announcer: the following is a paid program for the tummy tuck miracle slimming system, the non-surgical method that instantly erases inches from your tummy, slims fat off your belly without diet and exercise, burns belly fat faster than exercise alone and delivers results so shocking that at first, people don't believe it. >> my wife saw an ad in the newspaper and she wanted to start it. she wanted me to go with her and i was thinking that this thing is a scam. [typing] >> before the tummy tuck i'd gotten to the point where i just wanted to give up.

[typing] >> had my 50th birthday here a few weeks ago-- i want something to help me out here. i want it gone. [typing] ...i cannot believe this. look at me! it's just like having surgery without hospital bills or any kind of money. it's just an instant miracle. >> it's so amazing, i just i can't get over it. i'm shrinking in the middle. these are real inches. this is nothing fake about this. the fat is disappearing. when i stand in front of the mirror, i'm amazed that it's actually leaving my body. [laughs] >> i wanted to see what this product was going to do if i just lived my same life and just used the product. and i didn't change one thing, my lifestyle, my diet or anything. i have no reason to lie about anything. i'm not getting paid for this.

i'm not doing this other than i wanted to see if the product works. >> announcer: what you are about to see is a scientific breakthrough that targets the tummy and slims away fat so effectively, you may wonder if it's real. and that's why this show is unlike any other you've watched. there's no paid host for this show, no paid models and no paid actors... just real people with real results. >> i am not a paid actress. i am an everyday working mom. i have a two-year-old and a four-year-old. those are my before pictures. i know, i can't believe it either, but those are my before pictures and this is me now. these results are... it's real. this is me. >> announcer: what is this belly fat reducing miracle? the tummy tuck slimming system with the revolutionary tummy tuck belt that instantly erases inches and gradually slims fat away from your belly every time you wear it.

best of all, this fat-burning miracle works even by wearing the belt twice a day for as little as 10 minutes. make no mistake; the tummy tuck is not like other slimming garments. these other products simply hide the fat, that is, until you take them off. but the tummy tuck's unique 10-minute method ignites a fat burning chain reaction like flipping a switch that sets off a domino effect gradually reducing fat away from your belly long after you've taken off the belt. just look at how this heat vision photography captures the effect. before the tummy tuck belt measurements were taken. then they followed the 10-minute tummy tuck method, and right after the belt was taken off temperatures were again recorded and the measurements were the same. but watch in this time-lapse sequence how the temperature then begins to rise and continues for over three hours. the increase is only a few degrees, so it's comfortable and unnoticeable to most people. so after you take off the belt

it's gradually slimming the fat away as you're just going about your day: relaxing, reading, at the office or just watching tv. >> this is real easy. i was surprised how easy and how well it works. put on the belt and wear it while i was getting ready for work and then i could take it off and get ready and go on to work. >> you can wear it as little as the 10 minutes. it just fits in with my regular morning routine. i put on the belt and then get ready for the rest of the day. when my 10 minutes are up, i can just take it off. it really does work. it does do what it set out to do-- it really is a tummy tuck. after having three kids, you just don't think you're ever going to lose it unless you actually have it surgically removed. so to just put on the belt and find that you could actually start to see results, see inches lost, was, i mean, it really was amazing. >> announcer: in a joint clinical study, two medical universities put the tummy tuck to the test. coming up, you'll see the test

results, along with the high tech ultrasound images the universities use to visually measure fat disappearing as a result of the tummy tuck system. but first, here's how easy the 10-minute tummy tuck method is. the three part system includes the tummy tuck belt, the thermal accelerator cream and the abdominal tummy tighteners. simply apply the thermal accelerator cream-- which contains patented technology-- put on the tummy tuck belt, then do two minutes of standing abdominal contractions to activate the thermal fat burning effect. then, simply wear the belt for eight more minutes while you relax or do other activities. at the end of the 10 minutes you can take the belt off and the fat reducing chain reaction has been triggered and continues for several hours while you just go about your day, and it works even without changing your lifestyle. >> i'm a busy person with working and grandkids and... so i don't have a whole lot of time to devote. i've had this little bulge ever since i had my last child 30 years ago.

i was excited that i wasn't going to have to change my lifestyle and i thought that would be a real test. after the first week, you could visibly see that it was coming off. i was amazed that i could lose that much, because i didn't change a single thing about my lifestyle. i continued to live the same way, i ate the same way and i'm not always a healthy eater. i tend to snack, but i have not changed any of that. and now, it's wonderful to look down and it's pretty slim and trim, it's flat. this is very easy. this was something that just takes 10 minutes. there's a special cream that you put on and then the tummy tuck belt and you continue to wear it around the house for 10 minutes and then you're done. when i first saw it, it was like, this has got to be too good to be true. that it was unbelievable how you could... this little thing that you wear and this cream, how could that change something when you don't change anything else about your life? but i honestly didn't. i did not change my eating

habits, nothing. >> announcer: the tummy tuck slims your belly without changing your lifestyle... and if you like to exercise, then adding the tummy tuck turns regular exercise and diet into being two times more effective at burning away belly fat. that's right; in a university study, compared to just exercise and diet alone, adding the tummy tuck almost doubled the amount of tummy fat lost. and because the tummy tuck jumpstarts the fat burning chain reaction, there's no need to wear the belt during your exercise. so in the morning, you can do the 10-minute tummy tuck method and then any time during the day, you can exercise whenever you choose and the tummy tuck method still accelerates your results. >> before the tummy tuck belt, i was working out probably four or five days a week at my local fitness center. you know, running, doing elliptical machine doing a little bit of weights and literally was seeing no results. my waist, it never was changing.

it was just almost like an inflatable tire. it just was going nowhere. before the program, yeah there was a level of skepticism. i wasn't sure-- you look at the ad and you are not sure if it's really going to deliver what the program is being advertised to deliver. but i was willing to take that chance, and i'm thrilled that i did because my stomach and midsection is so much flatter now. i've never seen results like this before. from week to week, you start to see the difference and you start to feel the difference in your clothes. i actually really enjoy actually going to work out now and exercising because of the fact that i've had the results with the tummy tuck system. i know that the tummy tuck system is working and it targets the midsection perfectly. i mean, it worked. it did exactly what they said it would do. >> announcer: the tummy tuck belt is made with soft flexible, space-age fiber, designed to provide comfortable compression that pulls your tummy inward. so during the initial days

while you're erasing the fat you can either use the belt just for your 10 minute sessions, then take it off, or continue to wear it under your clothes for an instant slimming look that smooths away the lumps and bulges, flattens your tummy and slims your waistline, giving you instant slenderizing confidence as the inches underneath are gradually melting away. >> there's a dual benefit with tummy tuck's belt because not only does it hold you in but the fat is going away. >> with the tummy tuck, when you put the belt on at the beginning of the program, you immediately get the motivation to continue because the tummy tuck belt gives you that instant slimming look right away. and that really motivates you to keep going, and pretty soon, that instant slimming is a slimming that you don't even need the belt to achieve. >> announcer: with the tummy tuck, you choose how to use it. wear it for an instant slimming look... keep your lifestyle as it is and still slim away real inches from your tummy...

or add it to your exercise and diet program to burn belly fat even faster. and best of all, no matter how you choose to use it, the tummy tuck method takes just 10 minutes. >> what i like about it is it's very quick. [typing...] i did not exercise but the fat is gone. you can really tell that it's working. you just put the cream on, put the belt on, couple minutes, leave it on for another additional 10 minutes and you're done. >> before this program, my belly just kind of stuck out and it wasn't very attractive. i've held two jobs down for 15 years. i keep very busy and i work out and i go home and take care of family at night as well. the tummy tuck program was very easy to use. it really targeted my midsection. this is the slimmest i've been. i've never had results like this.

it works. >> announcer: coming up, we'll go shopping and put the tummy tuck's instant slimming to the test. >> that is amazing. >> an instant tummy tuck. >> it's an instant tummy tuck, absolutely. >> announcer: plus, we'll take an insider look at the university clinical results and we'll meet april, mother of two, and reveal her amazing tummy tuck transformation. but now, here's how you can get your very own tummy tuck. with the tummy tuck miracle slimming system, you'll receive everything you need to trim size from your waistline. your system includes the revolutionary tummy tuck belt, which comes in three flexible-fit sizes to comfortably fit small tummies to big tummies. simply tell the operator your shirt, pant or dress size and they'll select the size that's right for you. next, you'll get a full, 30-day supply of the thermal accelerator cream and the tummy tuck instructional video that walks you step-by-step on how to use the tummy tuck including the follow-along two-minute standing abdominal tummy tightener exercises that

activate the thermal fat burning process. plus, you'll also receive the tummy tuck quick start "you choose how to use it" guide. so, how did the real people that you're seeing here today use it? we gave them the tummy tuck and asked them to choose. some decided to keep their lifestyle as is without added exercise or changing what they ate. others wanted to combine it with diet and exercise, so we hired a local health club and asked them to test the accelerated slimming power of the tummy tuck. many chose to wear the belt for just the 10-minute tummy tuck method twice a day and then would take off the belt, while others loved the comfortable fit and instant slimming look and wore it under their clothes to look better at work or when they went out. and unlike other slimming garments that can cost upwards of $100, the tummy tuck system gradually slims away the actual fat around your belly. so now it's your turn to choose. do you want instant slimming keep your lifestyle with no added exercise or, for best results, combine the tummy tuck

to your exercise and diet program to burn belly fat even faster than exercise alone? then call now, because you can get your very own tummy tuck for just three payments of $19.99. and the tummy tuck comes with a risk-free, 30-day money-back guarantee. if it doesn't trim size from your tummy, no matter how you choose to use it, then simply send it back for a full refund of your purchase price. but it gets even better. call now because we'll make one payment for you and you'll get the tummy tuck for just two payments of $19.99. simply call the 800-number on your screen now or log on to tummytuckbelt.com. and best of all, with the tummy tuck, you choose how to use it and no matter how you choose you will lose fat and trim size from your belly, guaranteed, or your money back. so call now! >> i'm just an everyday working mom. i have a two-year-old and a four-year-old. i've always had a bigger waist. i carried it for 10 years. i've done everything: dieting or

even exercising and working out; never, ever works on my stomach. but with the tummy tuck belt look at the results! it's just disappeared. the fat is gone. i've never had a waist this size, never. the results, i mean, i don't even know how to describe it. it's shocking-- it's shocking to me. i look in the mirror and go, "is this really me?" it is and it's easy. the first thing you do, you get up in the morning, you put your cream on and you pull the tummy tuck belt on and... i get ready for work, i get breakfast ready, get the girls ready. wear it for 10, 15 minutes. sometimes i wear it into work. it's very comfortable. my first time, i lost inches instantly. it just gives you kind of that smoothing look. i already love going to work but now i really like going to work because i get compliments all day long. when i tell people i have a

two-year-old and a four-year-old, people ask me "how are you getting these results? you look fabulous, you look great." the first thing they say is, "is this all external, internal? did you have surgery?" and i said, "no, i didn't have any surgery. it's this belt and the tummy tuck system." i know that when i'm wearing it, it's working. and i take it off and the fat is gone. now that i've tried this tummy tuck system, i feel incredible. my confidence has just soared. my inside is just... i'm just glowing. >> announcer: still wondering if the tummy tuck system will burn fat from your belly? we asked two medical universities to jointly put it to the test. to measure belly fat, they used state-of-the-art ultrasound imaging to document the thickness of the belly fat under the skin. just look at these photos showing a significant reduction in the fat layer after using the

tummy tuck system. even more remarkable, at the start of the clinical study, participants were specifically instructed not to change their lifestyle. that's right, no added diet and no added exercise and they still lost size and fat around their tummy. >> i am totally shocked at how well this worked. i was on a program where i did not change my lifestyle. i continued to eat like i normally eat. i put the cream on twice a day i did the belt, i did the crunches. i didn't do anything extra that would make these inches disappear. it works. this product works. >> announcer: now, let's find out how the tummy tuck compares with exercise. in a recent independent university study, they had two groups follow the exact same diet and exercise program. the only difference: one group did the 10-minute tummy tuck method twice a day, and when it came to the bellies, the tummy tuck group lost almost twice the

tummy fat, compared to what the exercise alone group achieved. that's right; double the fat loss. plus, there's no need to wear the belt during the exercise because the 10-minute tummy tuck method ignites a fat burning chain reaction that keeps working long after you've taken off the belt. >> it absolutely works. when i first started this, i had a beer belly and i was just a big blob and i knew i had to do something with it. and with the tummy tuck belt i lost inches the first week. i could just tell each and every day that i was getting smaller and getting smaller, and... fat has definitely gone away. it's really targeting the tummy. >> i've always been a very athletic person, worked out my entire life. and i'm seeing results with the program that i had not seen from exercise alone. before the tummy tuck program, i would say i still had a very fit midsection, but after the tummy tuck program, i have a much more defined and toned midsection. i'm starting to see ab definition improve far greater than i would have expected.

the tummy tuck program is really pretty simple. you apply the cream twice a day, you put the belt on, you do your ab tightener exercises, wear the belt for at least 10 minutes you take the belt off and then go about the rest of your day. it's extremely simple. it's a no-brainer to just add it on to your current fitness regimen. i was doing exercises before but i haven't had any results from exercise similar to the results i've had on the tummy tuck program. these are absolutely real inches that are gone. >> announcer: and while the real fat is slimming away, want to fit into the smaller size right now? today? we took women shopping and asked them to pick out clothes that were one size too small. >> ugh! that's my pooch. >> it shows too much here. i really like this material, i just can't wear it, 'cause it shows absolutely every single roll. >> announcer: clothes that they really wanted, but would never purchase because they just didn't fit. >> i would not buy this top.

not because of the color but just because of the way it fits. >> announcer: then, we gave them the tummy tuck belt. >> much better. that takes care of all the rolls. no more fat in the back or in front. >> now, that's a lot better. >> i love this tummy tuck. it's just smooth and it's instant. >> it feels very comfortable. >> it looks great to me. my stomach just instantly disappeared. >> wow. >> announcer: regardless of the size or shape, all of the women got an instant tummy tuck. >> that is amazing. that's so good! and the idea that i can lose it while i'm wearing this lose inches, makes me feel even better about it. >> announcer: the tummy tuck system not only gives you instant slimming, but it gradually slims fat away each time you use it, even if you wear it twice a day for only 10 minutes. and the results you're seeing today are from real people. there's not one paid actor or paid model in this show.

>> i'm just a typical, you know, person. i'm your average housewife career person. so many times when you see ads on tv or in magazines or on the internet, they always show you know, really skinny models. and it really starts to get upsetting to the average person, and i am the average person. [typing] i thought, "this is never going to work-- never," because i've had the issue with my stomach for quite a long time and nothing else has ever worked. but this actually worked. this actually did work. the fat is gone. i think it just worked every day a little bit here and there, because it's all gone now. it's more than a miracle it's more than a miracle, it's-- you're getting what you were

promised and that's a lot to be said about any product that can do something like that. >> announcer: call now, and you can have your very own tummy tuck for just three payments of $19.99. but it gets even better because when you call in the next few minutes, we'll make one payment for you. that's right; you get the entire tummy tuck system for just two payments of $19.99. your system includes the revolutionary tummy tuck belt, which comes in three flexible-fit sizes to comfortably fit small tummies to big tummies. next, you'll get a full 30-day supply of the thermal accelerator cream and the tummy tuck instructional video that walks you step-by-step on how to use the tummy tuck, including the follow-along two-minute standing abdominal tummy tightener exercises that activate the thermal fat burning process. plus, you'll also receive the tummy tuck quick start "you choose how to use it" guide. you get the complete system for just two payments of $19.99. so call now, because with the

10-minute tummy tuck method, you will lose fat and trim size from your belly, no matter how you choose to use it. do you want instant slimming keep your lifestyle with no added exercise or combine the tummy tuck to your exercise and diet program to burn belly fat even faster? and with the tummy tuck money-back guarantee, you can try the tummy tuck for 30 days risk-free. so test it, try it for a full 30 days, because it's guaranteed or your money back. simply call the 800 number on your screen now or log on to tummytuckbelt.com, but don't wait, because there's just a few minutes left, so call now. >> i decided i'm not changing anything, which i haven't. and that's why this product to me is so amazing, because you don't have to go to a lot of work to achieve the results. >> before i started the tummy tuck system, i didn't know what to expect. i didn't know that it would happen this fast, that it was... that it was genuine.

i just wanted to try it, because for the last 18 years, i've been battling to lose the inches in my tummy and nothing worked. so no matter how much i ran on the treadmill or ran around the block or you know, no matter what type of cardio exercise i did, it did not go away. but with the tummy tuck, it started working immediately that first week and it's accelerated that in just 30 days. the fat is disappearing. >> before the tummy tuck program, i had two children. i have a three-year-old and a six-year-old, so i had the mommy tummy. i'm a full-time student and i work, so having something that i can just do in the morning and get it done with and then go on the rest of my day. so getting results from something that's just kind of quick and i can do it in my busy schedule. and now when i look in the mirror, i can definitely tell i've lost fat. it's definitely not the mommy belly i had before. >> this is great, 'cause this is what i've always wanted, just to

get rid of the belly, the tummy, the tummy, the tummy. the tummy tuck system, it has just solved my problems 'cause it's working. if you're out there trying to figure out what you need to do you should try it. don't hesitate, just go for it. >> it worked-- it did exactly what they said it would do. it targets the whole midsection. it's pretty amazing. >> i didn't change a single thing about my lifestyle. i was amazed even at that first week of losing-- it was like "i wonder how much more i can lose?" it's just exciting to keep trying and seeing that come off. if you've got a stomach and you want to get rid of it, this is the way to go. i mean, it makes you feel better about yourself and just everything. it's kind of exciting to get around for work and get dressed up in nicer clothes and that and to know that you look good. now it's wonderful to look down and it's not there. >> i am so excited that i made that phone call, because these results are... this, it's real. i mean, it's just fallen off.

the fat has fallen off. it's gone. >> announcer: and now, you can get your very own tummy tuck for just three payments of $19.99. but it gets even better because when you call in the next few minutes, we'll make one payment for you. that's right; you get the entire tummy tuck system for just two payments of $19.99. and the 10-minute tummy tuck method is so easy: simply apply the thermal accelerator cream, put on the belt, do two minutes of standing abdominal contractions and wear the belt for eight more minutes while you do other activities. then you can take the belt off because the 10-minute method ignites a fat burning chain reaction, like flipping a switch that sets off a domino effect, melting fat away from your belly long after you've taken off the belt. just look at how this heat vision photography captures the effect. before the tummy tuck belt measurements were taken. then they followed the 10-minute tummy tuck method, and right after the belt was taken off

temperatures were again recorded and the measurements were the same. but watch in this time-lapse sequence how the temperature then begins to rise and continues for over three hours. the increase is only a few degrees, so it's comfortable and unnoticeable to most people. so after you take off the belt it's gradually slimming the fat away as you're just going about your day: relaxing, reading, at the office or just watching tv. the tummy tuck system has been independently tested. and the best part of the tummy tuck is you choose how to use it. keep your lifestyle with no added diet and no added exercise and still trim size from your waistline. or for best results, combine the tummy tuck to your exercise and diet program to burn belly fat almost two times faster than exercise alone. and because the tummy tuck jumpstarts the fat burning chain reaction, there's no need to wear the belt during your exercise. so in the morning, you can do the 10-minute tummy tuck method

and then any time during the day, you can exercise whenever you choose and the tummy tuck method still accelerates your results. plus, if you want to look instantly slimmer, then why pay up to $100 for other products that simply hide what's underneath? instead get the tummy tuck because you'll look slender instantly and you're gradually slimming away the fat each time you use it. and if all you want is the easy way to trim your waistline then the tummy tuck works even by wearing the belt twice a day for just 10 minutes. it's that easy. so call now, because you'll get the entire tummy tuck miracle slimming system for just two payments of $19.99. the tummy tuck belt comes in three flexible-fit sizes to comfortably fit small tummies to big tummies. simply tell the operator your shirt, pant or dress size and they'll select the size that's right for you. and with the tummy tuck money-back guarantee, you can try the tummy tuck for 30 days risk-free. so test it, try it for a full

30 days, because it's guaranteed or your money back. simply call the 800 number on your screen now or log on to tummytuckbelt.com, but don't wait, because now there is only seconds left. so call right now. [♪...] call or go online now. [♪...] call or go online now. [♪...] this has been a paid program for the tummy tuck miracle slimming system.

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