"WHY DO I NEED A MORTGAGE PLANNER TO HELP ME WITH MY MORTGAGE LOAN?"

A wise man once said this . . .“You can’t know it all. No matter how smart you are, no matter how comprehensive your education, no matter how wide ranging your experience, there is simply no way to acquire all the wisdom you need to make your business thrive."Donald Trump

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Simple answer. Because the traditional method does not work! The national mortgage reforms being put in place calls for you to be better informed. These are actions that should not need be mandated but greed, arrogance and ignorance to the facts on both sides now come into play. You should want to know more and expect more from mortgage providers, not just see a mortgage as a "LOAN" that you make a decision based on a quote of just a few payments, rates and cost. You will always lose this way, try me and see a difference!

Let me state a couple of facts (even if you're a veteran homeowner you can learn more especially in today's market) and then I'll ask you a couple of questions, okay?

(1) You would agree the loan to Purchase your property is quite different than the loan to Refinance or to manage your property in the long run, obviously. You have to identify and select from various loan types that require different minimum Down Payment amounts (Conforming for loans up to $417,000 @ 5%, FHA  for loans up to $346,250 (greater metro Atl counties) @ 3.5%, VA for military active duty and veterans for loans $417,000 (greater metro Atl counties), Jumbo for loans greater than $417,001 > $1,000,000 up to $3,000,000 @ 10% - 20% - 30% the larger the amount the larger the Down Payment, varying Closing Cost and Seller Paid Concessions, varying Interest Rates based on (Term, Fixed Rate or an Adjustable Arm (Fixed) 30yrs, 20yrs, 15yrs, 10yrs, (Arms) 7yrs, 5yrs, 3yrs, 1yr) and lastly if it's an Interest Only Arm, then there's the Fico scores, loan to value, loan type, mortgage insurance (borrower paid or lender paid), interest rate buy down (borrower/seller/lender), varying credit, income and debt guidelines. Banks and lenders do not carry the same programs and even when they do their rates, loan to values and credit guidelines , point and fees can and do vary enough for you to no longer assume that they do! How can you just complete an online application or call into a mortgage call center for a couple quotes without expecting any additional personal contact at your closing and even after your closing? Call me I can provide the "Best" resources to match to your needs and I will be with you from application to the closing table and follow up with you through out the year and then year after year. I'm always just a call away as your needs and the market changes!! 

(2) How long do you usually keep the mortgage loan used to acquire your home an/or investment properties? Or should I ask what factors normally occur that give you reason to want to change your existing mortgage? Changing of Interest Rates (lowering preferably) to reduce current mortgage payment (increasing cash flow), Higher property values equals available cash from equity (increasing cash flow or liquidity, cash on hand) and or to absorb consumer debt in combination to the reduced Interest Rate -vs- Higher Interest Rates from revolving or installment loans. Call me, I'll keep you informed on time every time, you'll never miss refi opportunities!  

(3) How do you keep up with the changes in the mortgage market in real time? Word of mouth (friends, family an/or co-worker/associates, media or your last loan officer? I know it's not the last one, he or she is looking for new business not your old business. No worry, I'll always stay in touch in real time, year after year!

(4) How often do you assess the rate of return of your exsisting mortgage? Is it yielding the "Lowest Monthly Payment" or "Best Possible Cash Flow" effectively available based on current interest rates, property values and most importantly per the loan type. Are you depositing that Cash Flow into an interest bearing account to create additional revenue that can be merged into you overall "FINANCIAL PLAN"? No worry, you will always receive an Annual Mortgage Review! 

(5) Do you have derrogative information in your credit history affecting your overall credit scores? This is preventing you from getting the lowest rates, the larger loan amounts you need, keeping you from qualifying for the best purchase and/or refinance scenario that you really need? No worry, call me I have the resources to update derrogative credit history based on factual information your can provide directly to the credit reporting bureau's. Updates and rapid rescores within 24 - 72 hours! Today's banks and online mortgage providers want only the perfect clients with > 740 credit scores. I'm here for you, just call.

With a Refi Boom most loan/bank officers and On-line mortgage providers will rush to only give you three sets of figures: rate/payment/closing cost . . .  that's not enough to make a mortgage plan, is it? What if gas goes up again, credit card companies hike their rates, or you or worse you miss investing in this "Depressed Market", you're back where you started!! Here is an opportunity that you SHOULD NOT WASTE by just looking at rate/payment and closing cost!! With real estate values lower than the last time you Purchased/Refinanced you need a smart Mortgage Specialist who has the strongest lending rescources and the ability to show you all of your options.