Mortgage Planning

We help our clients improve their lives by using the right mortgage strategies.

Basics of Mortgage Planning

The right strategy for one client may be completely wrong for another client. That’s why mortgage planning should be conducted with a certified professional who is trained in the five CMPS skill sets:

Mortgage & Real Estate Taxation – how and why to understand the tax implications of various mortgage strategies, and how to work as a team with CPAs, attorneys and financial advisors

Housing, Financial & Mortgage Markets – why interest rates fluctuate, and how to understand the housing, financial and mortgage markets

Cash Flow Planning – how to reduce debt, improve cash flow and identify mortgage planning opportunities around retirement planning, college funding, elder care, and other life events

Real Estate Investment Planning – how to help real estate investors compare options and evaluate the impact of various mortgage strategies on their rate of return

Ethics and Compliance – how to implement a pro-active approach to ethics and compliance during the pre-disclosure sales process

Why is Mortgage Planning Important?

Why Is Mortgage Planning Important?
The mortgage is inherently a financial product. Therefore, the mortgage strategy used by a homeowner or homebuyer carries financial consequences that impact his/her life. Mortgage Planning with a CMPS-certified professional helps a homeowner or homebuyer answer the following questions:

  • Should I rent or buy a home?
  • How much of a down payment should I use when purchasing a home?
  • Where should the money come from?
  • What are the alternatives?
  • How much should I budget for my monthly housing expenses?
  • What if I budget less or more?
  • How will my mortgage decision impact my financial ability to help my children pay for college?
  • How will my mortgage decision impact my financial ability to help take care of my elderly parents?
  • How will my mortgage decision impact my financial ability to retire within the 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 financial 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?

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