When you choose a Mortgage Lender, think about what is important to you.  Obviously the best interest rate and lowest costs may be factors, but quite frankly any Loan Officer can quote you a rate and costs.  Being a Professional Mortgage Consultant, I provide you with a variety of services that bring value today through your current transaction, as well as ongoing information and resources for many years to come.  If you've previously worked with a lender or loan officer, when was the last time you have heard from them?

The Value-Added Services That I Provide

 

For first-time home buyers, beginning the process can be both frustrating and confusing.  One of the first tools that I offer to my clients is "Home Buyers Handbook."  This 81 page book provides a wealth of information on deciding what location is right for you, choosing a Realtor, financing options, making an offer to buy a property and much more.  I provide this book to clients Free of Charge!  You may preview a portion of this book by clicking the download link below.  If you would like a complete copy of the book, please contact me.

Clients who are currently renting are often on the fence if buying a home is right for them.  Buying a home is a big decision and there are a variety of factors to consider.  Part of the advisory services that I provide are doing a "Rent vs. Own Analysis," a "Cost of Waiting Analysis" and a "Total Cost Analysis." 

 

The rent-vs.own analysis is a great tool to show the benefit of paying a mortgage and building net worth compared to paying rent each month. 

 

The cost of waiting analysis compares a variety of mortgage interest rates over a period of time.  Interest rates are volatile and making the decision to buy a home when interest rates are low, compared to waiting a year or so when rates could increase can save you thousands of dollars in interest over the life of a loan.

 

The total cost analysis highlights different options to consider when buying a home such as making a full price offer, making a low-ball offer or asking the seller to buydown your interest as part of agreement of sale.

 

Each one of these types of analysis provide valuable information when buying a home - especially for first-time buyers.  You may review samples of the Rent vs. Own, Cost of Waiting and Total Cost Analysis's by downloading from the links below.  If you would like custom versions of any of these analysis, please feel free to contact me.

Once your loan closes, how often has your loan officer been in contact with you?  I provide my clients with Quarterly RateWatch Reports.  With constant changes in mortgage interest rates, many homeowners wonder if refinancing is right for them.  They also want to know where their interest rate compares to current market rates.  The Quarterly RateWatch report provides and in-depth analysis of of the client's current mortgage, current market programs available, a highlighted program showing the payment difference in applicable and a term reduction or investment strategy to show the client the financial benefit of a refinance.

 

To download a sample copy of a Quarterly RateWatch Report, click the link below.  If you would like a free RateWatch Report for your current mortgage, please contact me.

Credit Enhancement

 

Guaranteed Home Mortgage Company’s Credit Enhancement Program helps clients qualify to buy a home or refinance when they have been otherwise turned down due to credit. 

 

As a Mortgage Advisor, I will take the time to evaluate and advise a client who otherwise would be turned down due to insufficient credit scores – and in many cases, turn them into a QUALIFIED BORROWER!

 

The Credit Enhancement Program Provides The Following:

 

• A no-cost review and evaluation of client's credit report to determine if they can benefit from the program
• A no-cost consultation with borrower to review results of evaluation and provide detailed actions needed to achieve score improvement
• Once actions are taken, a credit score improvement can be achieved in a matter of days
• Credit turn-downs can become qualified borrowers and get to closing in as little as 45 days

 

This is an outstanding opportunity to qualify for a loan when many mortgage companies and loan officers would simply say no.  For more information on this program, please contact me.