Smart Mortgage Strategies.

Save money and build wealth.

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We help you find the lowest cost of borrowing with smart mortgage strategies.

Whether you're ready to refinance, renovate, or purchase a new home...

Contact us to find out how much you can afford, get a REAL rate quote for your particular situation, or find out what you need to work on to buy in the future.

With the largest debt you are taking on, mortgage strategy shouldn’t be an after-thought.

There are a lot of factors to take into consideration when determining which mortgage loan you should assume. Certainly, interest rate is key but additional considerations including budget, monthly liquidity ramifications, mortgage tax implications, fees, and title vesting also come into play. We work closely with you to keep you well educated and positioned to make a smart mortgage decision.

WE HELP YOU NAVIGATE THE MORTGAGE PROCESS WITH STRATEGIC GUIDANCE AND INTELLIGENCE.

  • Identify costs vs. benefit analysis of loan amount and down payment contribution
  • Tax implications and county specific conforming loan limits
  • Upfront available cash contribution
  • Payment comfort level
  • Analyze opportunities to pay-off or improve debt and credit score
  • Negotiate the most favorable rates & terms for our clients

HOME BUYING 101

Our Loan Process is Simple:

1

GET PREAPPROVED

We evaluate your income, assets, and credit in order to determine the best loan program for your situation and goals.

2

SUBMIT OFFERS

You work with your real estate agent to find the perfect home and submit offers.

3

COMPLETE ESCROW

Once your offer is accepted, escrow will coordinate the signing of loan documents and disbursement of funds to parties of the transaction.

4

FUND LOAN

After all loan conditions have been met, your loan will fund and you'll receive keys to your new home!

Not ready to get pre-qualified yet?

No problem. Some people start their home buying process as much as 18 months in advance. It is actually a really smart move as it gives you time to fix any credit boo-boos, see trends in the market, and get comfortable with different neighborhood options.

A quick 15-minute conversation should start you on the right path: we will help you determine what you CAN qualify for and where your actual payment sweet-spot is.

Mortgage Your Way.

Virtual Meeting, Online, or Over the Phone.

We dig deeper into the cost-benefit analysis of mortgage transactions with a client-centric focus.

Let's chat!

Wanna get in Touch with someone to discuss your loan options?

Fill out this quick form and we will be in touch with you shortly!

let's talk!

Teena Broumand
805-422-7134