Why Choose Us?

Here's why you should only work with a Certified Mortgage Planner and not with the typical loan officer.

The Mortgage Planning Process 

Mortgage Planning is the comprehensive process of carefully evaluating your mortgage options and choosing the right mortgage strategies as just a part of your own financials and overall wealth-building. Your mortgage is most often your single largest debt, and your home is most often your single largest financial investment. That's why mortgage planning should not be a do-it-yourself endeavor, but rather a collaborative effort with your Certified Mortgage Planning Specialist (CMPS®). Less than 1% of mortgage professionals have earned and hold the CMPS designations. With “generic” loan officers, its is more about getting you to complete a loan application as soon as possible and “closing you as a sale”. 

Here's how the mortgage planning process works: 

 Step 1: Our initial conversation will focus on your hopes and dreams.

What are your short and longer-term plans? 

Have you thought about 1, 3, 5 years and even 10 years from now?

What does your current housing and cash flow situation look like? 

What are your new housing and cash flow objectives? 

What large expenses should we consider as we help you develop a housing and cash flow budget? 

 Step 2: We'll analyze and evaluate your options.

What are your housing, debt planning, and cash flow options? 

What, if any, mortgage products and strategies would be useful to you? 

What is the likely short and long-term impact of these mortgage options on your overall situation? 

Have you thought about real estate and mortgages as part of a wealth-creation and management strategy? 

Step 3:We'll develop and implement your personal mortgage plan.

Once we've discussed your options, and how these various options may impact your overall housing and financial situation, it's up to you to decide on which plan of action works best for you. I'll be here to answer any questions and be a resource to you in any way I can. I'll also coordinate the whole process with you and your CPA and/or any other financial advisors as necessary.

Step 4: We'll monitor your mortgage plan through a semi-annual mortgage and housing review.

Mortgage planning is a life-long process because your financial situation is likely to change from time to time. As your mortgage planner, it's my role to help you monitor these changes as needed and through an annual conversation. During our annual review, I'll give you an update on the interest rate and housing market, and we'll discuss any changes that may have occurred in your situation to see if it makes sense to modify or update your mortgage plan. 

What can you expect?

As a Certified Mortgage Planning Specialist (CMPS®), these are the questions that a true planning professional will ask AND provide Certified Mortgage Planning documentation to offer written and clear answers: 

Should I rent or buy a home? 

How much of a down payment should I use when purchasing a home, and what are my options? 

How much should I budget for my monthly housing expenses, and what if I budget less or more? 

How will my mortgage decision impact my ability to help my children pay for college? 

How will my mortgage decision impact my ability to help take care of my elderly parents? 

How will my mortgage decision impact my ability to retire within a budget and timeframe that works for me? 

How will my mortgage decision impact my monthly cash flow situation? 

How will my mortgage decision impact my financial ability to save money for the future? 

How will my mortgage decision impact my ability to manage and reduce my debt in a timeframe that works for me? 

Should I purchase real estate for investment purposes? 

What mortgage strategy should I use when buying a vacation home or investment property? 

How can I improve my credit score? 

How can I better manage my cash flow before, during and after a major career or life change? 

You deserve and should expect a professional who is committed to delivering higher standards of competence, ethics, transparency and communication during the home buying and refinancing process… someone who spent the time, the effort and investment it takes to become a Certified Mortgage Planning Specialist!

Contact me for a free consultation and your personal written analysis!

Special Reports

  1. Your Real Estate Market Report Card

  2. Your Community Report

  3. Property Comparisons Side-by-Side

  4. Equity Gained and Appreciation

  5. Can I Refinance Yet?

  6. Cost of Waiting To Buy?

  7. How Much Home Can I Afford?

  8. How Long Before I Double My Money (Rule 72)?

  9. House Price Index Map

Consumer/Borrower Mortgage Planning

  1. Debt Planning

Calculate blended interest rates and the financial impact of debt consolidation.

  1. Buy vs. Rent

Calculate and compare the financial impact of buying a home vs. renting.

  1. Cash vs. Mortgage

Calculate and compare the financial impact of paying cash for a home vs. using a mortgage.

  1. Amortization Calculator

Calculate mortgage amortization over time and what happens if I make extra payments?

  1. Loan Comparisons

Calculate side-by-side comparisons of different loan products and costs

  1. College Funding

This calculator is found on the College Board's web site, and helps clients visualize how much money they need to save for upcoming college expenses.

  1. Critical Capital

Understand the impact of the mortgage strategy on their retirement plan, college funding needs, elder care needs, and and/or other large purchases and expenses.

  1. Extra Cash Flow

The financial impact of annuitizing home equity and turning it into extra cash flow through a cash-out mortgage.

  1. Seller-Paid Points in a Purchase

The impact of seller-paid points vs. a reduction in purchase price.

  1. Reverse Mortgage Solutions

How can a Reverse Mortgage assist if Retirement, Income, Elderly Care & more.

Cash Flow & Mortgage Planning for Real Estate Investors

  1. Internal Rate of Return Analysis

Help real estate investors calculate the internal rate of return on their investment property.

  1. Investment Property Loan Comparison

Help real estate investors compare the financial impact of various loan options.

Our clients love us

Read what our “clients for life” have to say.

Ready to get started?

Explore our loan options

We use cookies to enhance your browsing experience and deliver our services. By continuing to visit this site, you agree to our use of cookies. More info