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MORTGAGE ADVICE & STRATEGY

After all, "Nothing stays Fixed for 30 Years!"

A loan transaction is an important and emotional process.  My promise is that we will be present, responsive and deliver the personal touch to ensure success.

Contact me today to strategize and advise on ways to optimize your mortgage. I spend a lot of time consulting with clients at all stages of life.  We can confirm you are on the best loan and/or discuss loan structures that optimize your situation.

CURRENT STRATEGY

30 Year Fixed Rates are great for most.  But, you pay a higher rate today for "insurance" that your rate won't change 15-30 years down the road. Do you need this added insurance?

LONG TERM ADVICE

Having a mortgage that suits your needs today is a great place to be.   As equity grows, interest rates move and life changes you may need to leverage this asset to help accomplish other goals.  

QUICK RESPONSE

Conditions change very quickly both in our personal lives and in the mortgage market.  
I am here to help you respsond and adjust to the changes that happen every day.

ELIMINATE FHA PMI

Rising home values are a gift to borrowers with a FHA mortgage with values increasing over 20% in much of the U.S. in the last few years.

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REFINANCE ARM to ARM

From a borrowers point of view, there are 3  "hurdles" that you must clear in order to be qualified for a purchase or refinance.

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COMPETE WITH CASH OFFERS

A "financing contingency" is the main difference with a cash offer.   Remove that from consideration, you are competing with cash.

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