Question?-Am I clear about my short term goals (what I am trying to accomplish right now) and my long term goals (what is important to me in 5, 10, 15 or 30 years from now), and how do I plan a strategy to make sure that I get what I want?

Answer-We all wish we had a crystal ball that could tell us all of these answers today. Since we don't know all of these answers today we need a home loan that is flexible enough to change when life throws changes our way. That's why the Option Arm allows you to make any one of four different payments each month. Ranging from a super low safety net payment to a more aggressive 15 year accellerator payment.

Question?- Can I get some cash back when I refinance, how much, what will they allow me to use it for?

Answer- We strive help get you everything you hoped for. It's your home and you should be able to do what you want with the equity in your home. So if you want to take cash out  we'll help you find a way to do this. How much cash you can get depends on your credit scores and how much equity you have.

Question?- Can I still get a loan if I have had credit challenges in the past, I am self-employed and don?t keep the best records

Answer-  There are many programs for people with these unique challenges.

Can I pay for the loan costs out of the equity in my home?

Answer-Yes of course you can include any closing costs into your new loan.

How do I stay on top of what is happening in the market. How do I find out about when new loan programs become available that offer me advantages that might not be available to me now?

Answer-We do do these things for you even after your new loans are funded. we consider ourselves mortgage managers. We help you to manage your mortgages.

How long do I plan on staying in my home and how does this effect my strategy?

Answer-If you have a clear idea how long you plan to be in the home you can save considerable money. why pay for a longer loan period than you need. That would be like getting a 30 year car loan on a car you know you are trading in a few years.

TRUST IS ESSENTIAL IN GETTING ASSISTANCE WITH YOUR HOME LOAN

It is essential that you trust someone in the home loan business because you are conducting a transaction that involves a huge amount of money. As much money as most families ever spend! Additionally, there are many variables that determine how much benefit you get out of your loan, and home loan products are complex and ever changing. It is virtually impossible for consumers to know exactly what loan program, interest rate and term, available in the current market, gives them the most advantage and best achieves their goals.

With so many different loan programs, rate and terms that need to be matched with your needs and plans for the future. That is where the expert comes in because they must take the time to make sure that you understand the answers to all of your questions, that they understand your short term and long term goals,  find the loan program that most closely matches your needs.