Are you a Mortgage Orphan?
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If you secured your current mortgage through someone no longer in the business, you're a mortgage orphan.
If your builder arranged your mortgage, you're a mortgage orphan.
If you haven’t heard from your mortgage provider since you closed, you're a mortgage orphan.
What's wrong with being orphaned? You don't have a mortgage professional who's acquainted with your financial goals. You don't have a professional who can help you decide whether now's a good time to refinance or help you decide whether a different mortgage would serve your circumstances and goals better than the one you're paying now.
Never fear. I'll adopt you. Starting with a free Mortgage Checkup (see article below or this video), you'll be sure that starting with the house your financial house is in order. And every year I'll get in touch to update your progress and options.
Your Mortgage is like your Teeth
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Both need an annual checkup.
When I'm your mortgage planner, you'll get a free annual Mortgage Checkup.
This four-part analysis consists of:
- Household Blended Debt Rate
- Identity Theft Exposure
- Credit Score Health & Improvements
- Equity Assessment
Yes, this valuable information is free and not time-intensive for you. We do all the work!
Here's what's involved:
- You complete a one-page information form (10 minutes, max)
- Sign a credit authorization (for Identity Theft & Credit Score Analysis)
- Fax both to my office
- We'll review the results with you in a 30-minute meeting, through your choice of a web conference call or in-person visit
Even if you didn't acquire your mortgage through my firm, I'll provide this free service for you every year.
This video gives more details.
Put the Horse before the Cart
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I see a lot of folks who need to refinance because they fell in love with their house before they developed a mortgage strategy.
They put the cart before the horse.
They signed the purchase agreement and played beat-the-clock to get a mortgage and unpack the house before school started again.
The problem was, they didn’t recognize that buying a house is a totally separate decision from getting a mortgage. Once they placed a contract on the house, there is usually too much going on to create a great mortgage plan.
A year or so later, they find they own "too much house" or put down too much of their savings.
If you see a Certified Mortgage Planner before you fall in love with the house, you'll have the right financial plan for you. Then you can shop for the house that you know will serve you well, both as a home and as your largest single investment.
Here's a video with more details.
No matter your stage of life, I'm here to help you find a mortgage that's compatible with your financial goals and circumstances. Give me a call today.
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