COST
Credit | Overview | Solutions | Total Cost
Credit
| The economy that we are facing today with high unemployment and loss of income has severely damaged many credit reports in the marketplace. With the tightening of underwriting guidelines, credit has become one - if not the most - important factors in obtaining financing today. The biggest challenge for the consumer with impaired credit is misinformation. Trying to navigate through this arena on your own is NOT a recommended strategy. There are many variables that have a major impact on your overall credit score. One of the processes provided for clients and professional partners is a Credit Availability Review. The consultation requires a few pieces of data in order to analyze the best course of action for the client. Schedule a no fee, no obligation, preliminary review to determine the right strategy. |  |
Overview
| The financing world is changing. Having the right options is imperative in uncovering opportunities in achieving one’s short or long-term financing goals. Through the use of charts, graphs, interest rate monitoring, loan comparison and credit restoration tools, we help clients take a favored position in planning the best overall financing strategy. This strategy includes building wealth and eliminating the financial stress, which has become common in today’s marketplace. |  |
Solutions
Delivering unique experiences that provide value while focusing on one’s most important goals. Most clients’ goals fit into one or more of these categories:
While every client tries to achieve at least one of these goals, not all clients have the same set of goals or the same hierarchy of financial priorities. Therefore, it’s essential to understand what each individual client is trying to achieve, and provide a clear understanding of how a mortgage decision will fit into his or her goals and priorities. |
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Total Cost
| What is the most important strategy when making a financial decision? Is the individual looking for the lowest cost or fees, or are they looking for the lowest rate? Sometimes one may not know that there is a difference between the two. In order for an individual to determine which course of action to take, several questions will need to be addressed before they can make an informed financial decision. If one is looking for the lowest rate, is there a target interest rate defined? If one is looking for the lowest cost is there a cost strategy outlined upfront to determine how to make the proper cost comparisons over time? How long will one plan to own the property and how old will one be when they want the loan paid in full? One size does not fit all. Every person has different goals, spending habits and objectives – much like a fingerprint! One of the processes provided for clients and professional partners is a Total Cost Analysis. The analysis requires a few pieces of data; after a careful review we will provide the client with several options with different cost strategies over time. They will be thoroughly informed, and will be able to make the best decision towards achieving their overall objective. Schedule a no obligation, preliminary review, to determine the best total cost strategy. |  |