Mortgage Planning Services Suite

Obtaining real estate financing often encumbers a homeowner with, if not the largest, a relatively large debt on their balance sheet.  Because we help provide this debt, we embrace a professional responsibility to properly structure debt with a mortgage plan and effectively manage this debt moving forward.  My team and I take this very seriously.  We incorporate conservative investment principles such as dollar cost averaging and asset diversification into designing a mortgage plan for each client. 

Providing the following suite of mortgage planning services ensures that our clients always have the best and properly structured loan in the market place when working with us.

Personalized Mortgage Plan - We compose a personalized mortgage plan for every new client.  This plan is developed and based on long and short term financial objectives and lifestyle needs.  At the center of this plan is a powerful side-by-side comparison of the performance of various financing scenarios over time.  We call this analysis the Total Cost Analysis and more importantly, this report highlights two specific areas of total loan cost and benefit.  First, it measures the true financial impact if the savings of a given loan program are invested in an asset accumulation account.  Second, it demonstrates the power and benefit of paying off the debt early.  Because this report is so complete, clients appreciate the confidence in knowing that their best interests are being served.

Periodic Mortgage Review - Based on the RateWatch Report, the periodic mortgage review captures the current status of a loan's performance--rate, payment, remaining balance--and presents it in the meaningful context of today's market conditions.  Whether the goal is to focus on maximizing cash flow or to pay off debt early, the savings achieved by either strategy can be quickly determined.  Because the information in this report is so meaningful and timely, homeowners receiving Periodic Mortgage Reviews experience a unique level of control over their mortgage.  Click here to start receiving RateWatch for your mortgage.

Annual Equity Review - The Annual Equity Review becomes increasingly more and more imperative with each passing year as new goals emerge, lifestyle changes, and real estate values appreciate.  The Annual Equity Review includes an Equity Repositioning Analysis Report that illustrates the power and value of repositioning debt and equity.  This unique report helps us to calculate the totality of a debt structure and asses how certain adjustments might support long and short term financial and investment goals and lifestyle needs.  Whether the goal is increased savings, maximized investment returns, or early retirement of debt,  the appropriate numbers are available for consideration.  Optimizing equity is one of the most powerful controls a homeowner has and the Equity Repositioning Analysis provides the data necessary to optimize equity and properly manage debt.