I'm Buying a Home

Congratulations!
Your next step is to "Know Thy Self".

• What is your maximum monthly payment comfort level?
• How much should you invest for a down payment and closing costs?
• Which is the best loan program?
• Considering upcoming personal and financial events (growing family, tuition, current debt, promotions, retirement, etc.), how will this loan fit into your finances?

  Annual Mortgage Review Just as important (and less painful) than your annual health check-up is your yearly mortgage review. This review focuses on eliminating debt, expanding equity, and creating wealth. Use my Contact Form to request your Annual Mortgage Review.

Know this BEFORE your home search begins. You will go forth with confidence and not waste time, emotion, or effort.

Next, review the Total Cost Analysis to understand the dramatic difference in loan programs and what your true cost actually is. You may be surprised.

If you are putting down less than 20%, review the PMI Analysis to learn how you can build equity faster, even with a 5% down payment.

Our Pre-Approval Strategy Session^SM, or PASS^SM, will tell you much more than the maximum loan you qualify for or how much cash you will need to close. It will help you discover the right mortgage and a clear financial path.

It is the difference between having another big monthly payment or a financial plan that will create security and wealth in your life.

After your loan closes, most lenders will simply send you monthly payment coupons. We ensure you will always have the best program and lowest cost loan with our RateWatch Report. You can easily compare current rates and programs at a glance.

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I'm Selling My Home

The Contingency Buster: Although many people prefer to sell their current home before buying a new home, there are programs available that will allow you to buy first and sell later. These programs have very specific qualifications and credit requirements.

Did you know that buyers who are Pre-Approved (rather than Pre-Qualified) often receive a 2-3% lower sales price than buyers who are not? You may want to be Pre-Approved before you start looking for your new home.

Selling your home quickly is a multi-faceted marketing effort that leverages time, community, and human networks. If you are interested in a SOLD HOME, and don't mind being involved a little, ask about my STEALTH SELLERS CAMPAIGN.

Make an irresistible offer. If you want to sell your home faster, make the financing on YOUR HOME better than all the other homes buyers are looking at. You don't control interest rates, but you can make it seem like you do.

The Domino Effect occurs when two or more home sales fall out because the buyer of the first home did not qualify for their loan or were turned down at the last minute. Since they did not close, the sellers of that home did not get the funds to purchase their new home, and hence did not close either. You can avoid this by having the buyers of your home get their loan the same place you do. This puts everything under one watching mind.

The Lazy Mans Anti-Domino Marketing Bonus: if I do both loans (your buyers and yours), you will receive a discount on closing costs that is tied to the combined loan amounts.

Selling and relocating to another state? I work with like-minded Loan Officers in Connecticut, Massachusetts, New York, Florida, California, Washington, New Mexico, Michigan and Illinois and will give you a referral if you are interested.

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