Consumer services

Home Buying

Buying your home is the single largest financial decision you will make in your life time. The importance of understanding how your mortgage can and will impact your financial health-and wealth-building goals cannot be overstated. Navigating through the home-buying process should be a welcomed learning experience, not a burden. That's why striving to make sure consumers have the knowledge and resources at their fingertips to allow them to understand how to make the best decisions for them is key.

During your home buying process you'll learn:

• Importance of getting pre-qualified
• How to pick the right buyer's agent
• Role of a title company
• Costs associated with your loan
• Short and long-term benefits of carrying the longest mortgage you can

By the end of your initial thirty minute consultation, you will feel secure that your path to home ownership will be an informed and rewarding experience. Please contact me at your earliest convenience to set up an appointment.

Refinancing

There are numerous reasons why someone would chose to refinance their existing mortgage: lower monthly payments, debt consolidation, home improvement, paying for your children's tuition and buying a new car are just a few. Whatever your reason, it is vital that you understand the costs and benefits of your mortgage.

Within the world of personal finance there are two general schools of thought 1) debt elimination and 2) wealth building. Personally, I subscribe to wealth building since that's a goal we all share. I've met many people who are debt free that are also cash poor. We've been taught while growing up that a mortgage is a necessary evil in order to own a home. But changes in lending laws and the prevailing economic market over the past several decades have shifted this ideal and today it actually benefits you to carry the biggest, longest mortgage you possibly can.

Call me today and find out how you can your mortgage to begin building the wealth you never dreamt possible.

Credit Repair

Credit – it's the key to so many of our goals and dreams. Home ownership, getting a job, buying a car, college, even getting married can hinge on whether or not you have sufficient and qualifying credit to purchase those things required to fulfill your dreams.

Unfortunately, most Americans simply have never been supplied with the knowledge of how credit affects their lives. Working in the financial industry forces you to see both the good and bad within the credit world.

Even if you're not immediately looking to make a large purchase or applying for a new job, it's never too early to stay on top of your credit health.

If you're interested in learning how to stay on the right credit path or to find ways on improving your credit, please contact me anytime.