Q: How long has Charter Financial been in business?

A: We have been in business since 1997.


Q: When I sign up, will I become an employee of Charter Financial?

A: No, you will become and Independent Agent and will be in business for yourself with the help and support of our company.


Q: Is this a Mult-Level Marketing Program?

A: No, it is a legitimate home business opportunity.


Q: Are there any territories for your agents?

A: No, you are free to work your note business anywhere in the U.S.


Q: Do you purchase notes outside of the U.S.

A: No, we only purchase notes in the 50 U.S. States.


Q: Can I work this business with a partner?

A: Yes, absolutely. We have many agents who work alongside their spouse, family and friends.


Q: If I work with a partner, may I share my training materials with them?

A: Yes, you and your partner(s) may purchase one manual and work as a team.


Q: I have no experience in this type of business, can I still succeed?

A: Yes, absolutely. Most people that start out with us have no prior experience and do very well with us. We offer excellent training and support to help you succeed.


Q: Do I need to form my own corporation?

A: No, over 99% of our agents are set up as a sole proprietorship.


Q: Do I need to have my own company name?

A: You can either come up with a company name to use or you can use your own name and state that you are an “Independent Agent” for Charter Financial.


Q: Will I need a license to work this business?

A: No, you will be working as a referral agent and therefore there is no licensing requirement for any state.


Q: Do I need an office?

A: No, you may work from the comfort of your home.


Q: Will I have to meet with people?

A: No, in over 99% of the transactions we close the agent never actually meets with the note seller. All business is conducted via the telephone and email.


Q: Will I have to set up a new business phone line?

A: You can if you would like to but most of our agents just do business using their cell phones.


Q: Once I purchase this program will there be anything else to buy?

A: Not from us, you receive everything you need in order to become successful and no one from our office will ever call you trying to “upsell” you into more training.


Q: Can I start this business on a small budget?

A: Yes, we provide many different ways to find note holders that do not cost you any money.


Q: What type of business expenses can I expect?

A: You will be responsible for all of your own business expenses such as creating business cards, letterhead, advertising, etc.


Q: What makes your program different from other similar programs I have seen?

A: We are the only company that actually trains our agents and then purchases their notes, we are in business together with you and are motivated to help you succeed. Everyone else that you see is in the business of “selling information”, we are not.


Q: Will there be someone available to help me when I first start the business?

A: Yes, you may call or email us if you need help getting started, developing a marketing plan or if you have questions about your deals.


Q: Is it difficult to find notes?

A: No, as long as you use our proven marketing methods and you work your business, you should find success.


Q: Can you guarantee that I will be successful?

A: No, unfortunately we cannot guarantee any one person’s success but do guarantee that we will do everything we can to help you succeed.


Q: Is it true that I can set my own referral fee on all my transactions?

A: Yes, you are free to determine your own fee on each and every transaction. The average fee is around 3% – 6% on each deal.


Q: How much can I expect to make working this business?

A: It is really up to you. We will purchase as many notes as you can bring us. There are agents that make over $100,000 per year in this business.


Q: What is the average dollar amount that your agents earn on each deal?

A: The average from last year was a little over $3,000 per transaction. Overall, fees can range from $500 to $25,000+ on any given transaction.


Q: Is it true that you refund the start-up cost after I complete my first transaction?

A: Yes, you receive the $195 start-up cost as a bonus upon completion of your first transaction with us, $250 on your second and $500 on your third. These bonuses are in addition to your regular referral fee.


Q: What is your refund policy?

A: We offer a 30 day money back guarantee. This means that you have 30 days to look over the program and see if it is something you would like to pursue, if not then you just mail back the program and we will issue you a refund.