Who We Work With
We work with Home Buyers or existing Homeowners that have one thing in common.
They are struggling to figure out if they are making the right financing decisions.

67% of Americans have more wealth in their home than they do in any other investment.
Yet, most people don’t know what will happen to them financially if they buy or refinance a home.

Borrowing shouldn’t be a mystery!
We can help you understand what will happen to your wealth, your cash flow and your financial security over time with the different choices you have.

By helping our clients make better borrowing decisions we typically see increases in wealth creation by $100,000 to $1,000,000; along with major improvements in their financial safety & security.

Do any of these concerns sound like you?

Down Payment:
People who are working with limited savings ask us things like – We don’t have a lot of money to put down, can we get 100% financing? Or, we don’t have 20% to put down and we hate the idea of paying Mortgage Insurance. What’s the best way to avoid paying Mortgage Insurance?”

Our more affluent clients have other concerns about down payment such as – Should I put my money into the house or leave it invested somewhere else?
Should I take money out of my retirement account to buy a home? Which will make me worth more in the future, leaving the money in an IRA or 401K or putting it down on a house?

And 2nd home buyers are usually looking for an expert answer to - Should I pull the money out of my primary residence to buy another home or put more of a loan on the new 2nd home?

Costs - Interest Rate, Closing Costs, Loan Program Choice:

What is this really going to cost me?
Should I pay points to get a lower rate or go with a no closing cost loan? I lived through the 70’s and 80’s with double digit interest rates so adjustable loans scare me. What is so different about adjustable loans today? Which is really going to save me money in the long run?

What about tax deductions – What do they mean to my wallet every month?

Strategy

I keep hearing so called experts say things like – You should never pay off your home or owning a home is the best thing you can ever do for your self! It just all sounds like a bunch of voodoo math to me. How can they say things like that?

My parents always taught me – Pay off your debts as fast a possible! Live below your means so you can save money for retirement!

We see this quite often. People being torn between what they hear and what they have been taught their whole lives.
No matter what our client’s situations are - whether it’s buying their first home, refinancing and existing one, selling to up size or down size, consolidating debt, renovating, having a baby, getting a divorce, job relocation, making investments, funding a child’s college education or improving cash flow in retirement – they all have one thing in common. They want to know they are making good safe borrowing decisions for their family and their future. They want someone to help them make sense of it all.

No two people are alike and you deserve answers that are tailored to your specific needs.
Answers that without exaggeration can literally increase your wealth by $100,000 to $1,000,000 or more!

We are most successful working with clients you are open to looking at a home from two points of view.

Your residence is more than just a place to call home.
A home provides a place to raise a family, enjoy hobbies, socialize, sleep, relax, and more. Your sense of home comes from the experience you have living in your house, not necessarily from the house itself.

A house is the physical shelter made of concrete, wood, shingle, windows and doors. Many of us equate the personal experience of home with the physical house. The ability to separate the house (the physical asset) from the home (the personal experiences) makes it possible to view one’s house as a tool for developing and managing wealth.

Our clients who are able to separate in their minds the home (the emotional) from the house (the logical) are the ones we have the most success with.
This ability makes it possible to view your house as another investment vehicle in your portfolio. You will then be able to manage it accordingly to create wealth and improve your financial safety and security.