This section (using real life examples) details how engaging in a relationship with me is totally different than working with others in the mortgage industry.  Because I employ a consultive approach to mortgage lending, I provide my clients information that other mortgage lenders don't think or bother to offer.  I can help my clients make more informed decisions about the financing options available to them, which can benefit them not only in their current transaction, but can save them money for years to come.  Consultive reports are included (requires Adobe Reader).  

Case Study 1 - Have you ever thought about refinancing to take advantage of the current low rates, but felt you missed out on your opportunity because rates changed before you acted?  With the Rate Watch Report, I can e-mail you (on a quarterly basis) a comparison of your current mortgage situation vs. what current market rates are & what the monthly savings would be.  You can then make more informed decisions, based on current market data, and never lose out on an opportunity again!  To see an example of a Rate Watch report &  the monthly benefits it details, Click Here. 

Case Study 2 - Refinancing your mortgage and consumer debts together to lower your overall debt can be a great idea, depending on your situation.  It can be confusing, though; it always helps to see the actual benefits on paper to make sense of it.  With the Consolidation Analysis Report, I can show you how paying consumer debt through refinancing can be beneficial to you, and what those benefits total in monthly savings.  To see an example of how consolidating debt can be of benefit to you, Click Here. 

Case Study 3 - When you either purchase or refinance, you have many pricing options available to you.  Which one should you take?  Many people don't know what mortgage rate/cost structure is the most beneficial for their particular situation.  Unlike what you may have heard from the news media, The Lowest Rate is Not Always The Best Loan.  With my Total Cost Report, I can provide a comparison of 3-4 rate/cost scenarios to you, allowing you to pick the one that best fits your lifestyle & future plans.  To see an example of why the Total Cost is the most important feature to consider, Click Here.    

Case Study 4 - Most people buy their first or second home with less than  20% down-payment (which typically requires Private Mortgage Insurance or PMI).  Should you choose a 1st & 2nd combination (which can eliminate the need for PMI) or do a 1st alone with PMI?  With my PMI Comparison Analysis Report, I can show how doing a 1st & 2nd Trust Deed combination, instead of a loan with PMI, will reduce your monthly payments, increase your tax deductions and increase your equity.  To see an example of how you can avoid PMI & get more benefit from your mortgage, Click Here.  

Case Study 5 - When times get tough, clients who are concerned about living paycheck to paycheck sometimes consider either ending monthly investment in their retirement account/investments or canceling an insurance policy to free up monthly cash.  With my Equity Repositioning Report, I can show you how refinancing & continuing to contribute to your investments can not only increase your monthly cash flow, but will also help you invest more fully in your financial future.  To see an example of how Equity Repositioning can benefit you, Click Here. 

To sign up for one or more of the following reports (to be e-mailed to you on a quarterly basis), Click Here.