Mortgage Planning Services

We view the mortgage as a financial instrument that can be woven into your long and short term financial plan, creating a debt strategy that leads to wealth creation and more solid and balanced financial future for you and your family.

We look forward to implementing and managing this strategy for you.

• Personalized Mortgage Plan
• Debt and Equity Management
• Credit Improvement Services
• Quarterly Credit Report Review
• Rate Watch Reports
• Annual Mortgage Review

We would also like to offer Referrals to other Financial Professionals (CPAs, Realtors, Financial and Estate Planners, Insurance Agents)

How would you like to be presented with:

• Side by side comparison of up to 4 loan products
• Analysis of the overall total cost over time
• Potential investment account growth
• Estimated tax savings for each product
• Cash flow redirection analysis

Total Cost Analysis

One approach to mortgage financing is looking for the lowest rate. Another is in looking for the overall lowest cost of the loan and the relationship with the mortgage professional. This loan is one of the largest pieces of debt you will ever have, and there are significant strategies that, when integrated into an overall mortgage plan, can save you tens of thousands of dollars in unnecessary expense during the life of your loan.

Most lenders do not have this approach. We do. Use a lender who will have the expertise and integrity to give you a professional advise that will maximize your savings in the long run, not his next paycheck. Do not get fooled by the "special deals" or "cheap money" ads that pour from the media, internet and mailbox. All lenders are subject to the same secondary (wholesale) market. There is no "monopoly" on "the best rates". The lowest offered rate is generally a modification of fees and terms.

• read more in our Myths and Tricks section