Did you know that Americans’ credit card debt is once again at all-time highs? During the pandemic, American households received all sorts of free money from the government which many used to pay …
Did You Know?
If you have a super-low mortgage rate, yet you’re drowning under non-mortgage debt, it may still be worthwhile to refinance to consolidate your debt? Consider the following example:“John and Jane …
What is Mortgage Planning?
Our Mortgage Planning Approach is founded upon the concept that a sound financial plan that coordinates all financial instruments and optimizes cash flow allocation, will turbo-charge the likelihood …
Want to Know Why Many Mortgages Are Denied? It Often Starts With the Borrower Saying, “I’m Going to MY Bank. They Know Me There.”
In many industries, there’s a statement that professionals often hear which makes them shudder. For physicians, it could be, “Why should I quit smoking? I feel fine!” With Financial …
How Can A QUALIFIED Mortgage Planner Save YOU Money? Ask This Client!
Scenario: Mary and John were trading up to a larger home. Since they had good credit and strong income, they decided to go to “their bank” for a mortgage. The client interview with their bank …
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A Tale of ANOTHER Two Borrowers (also based on a true story)
Borrower “A” owned a two-family house on Long Island. Since rates were low, he wanted to refinance. He called his bank and received a rate quote. Thinking rates were going to drop more, he decided to …
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