How do you determine which loan will best meet
your financial objectives?
Choosing a mortgage can be very confusing with all the loans and variations available in
the market today and advice goes beyond quoting rate and fees. You need a complete
analysis of your mortgage debt through detailed reports. Many people don’t understand
the huge difference between loan programs and how to analyze the impact on their financial
future.
· Evaluate interest rates
· Evaluate Loan programs
· Determine the benefits of prepaying your mortgage
· Determine what to do with savings
· Understand the impact of investment decisions
· Analyze how to structure a mortgage plan that meets financial objectives
· Understand how Private Mortgage Insurance impacts your financial future
· Understand when to refinance
· Analyze mortgage tax benefits
A real estate mortgage is a liquid asset and should be an integral part of everyone’s
financial plan and goals. We help people make informed decisions when buying a home so
that, by using their mortgage as a financial tool they can better manage and achieve their
long and short term financial goals. Allow me to show you your options considering:
Qualifications, mortgage retention time, initial cost, total cost over time, cash flow,
ending balance, risk management, tax implications, and life changes.
The first step is to be pre-approved for your loan (unless you are paying all cash). This
first step is very important for several reasons….. Get a Credit report to start the
process.
Many buyers skip this step and just go out house hunting and when they find a home they
like, they find out they can’t qualify for the loan.
Loan underwriters have specific rules and guidelines they must follow. Many would-be
buyers have been dismayed and disappointed to find out 2-3 weeks after they enter a
contract that the lender has turned them down.
Please realize that one of the biggest fears a home seller has is that they will enter a
contract with a buyer, prepare to move, and then find out that the buyer didn’t
qualify. In fact, more and more listings are requesting that a pre-approval letter be
submitted with all offers.
After you are pre-approved, you will receive a pre-approval letter stating that you have
been approved for a mortgage. When shown to a seller, the letter makes the seller more
confident with the offer, and will add more leverage for us in negotiations. Many of the
best homes can have several offers on them at the same time from different buyers. Often,
the buyer that can show that they are already approved for their loan will get the house.
We have a Quick Application
for you to fill it out and fax back to us.
We can then get your credit report and determine some loan options for your consideration.
We look forward to speaking with you to address any questions or concerns you might have.
Michael 'Max' Kuzmicz - Mortgage Consultant at Mortgage Masters
Mortgage Masters 2611 Keystone
Road Suite B1 Tarpon Springs, FL 34688
Michael 'Max' Kuzmicz Realtor® at
Charles Rutenberg Realty, Inc.
Florida's Largest Real Estate Office.
1545 S. Belcher Rd. Clearwater Fla,
33764
No Obligation Assistance with Mortgages and Loans and
Current Mortgage Rates
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