With our Borrow Smart Analysis we strive to answer the three questions every client must answer before moving forward with a transaction:
- Do I have the Cash for this transaction now?
- Do I have the Cash Flow for this transaction now?
- How will this impact my Wealth over time?
As Certified Mortgage Planning Specialists, we focus on the synergy between sound financial planning and prudent home financing. We have found that most clients misunderstand how their cash and borrowing liabilities support or impede their ability to save. When we look beyond assets, and incorporate both the assets and the liabilities of our clients into their overall financial goals, we greatly increase the ability of our clients to build wealth.
The home is the greatest single asset and liability for most Americans, and a key focus for our unique educational process. We’ve found that when clients focus on only one aspect, either the liability or the asset, it is like trying to heat or cool their home with all of the doors and windows wide open. It will work eventually, but it’s just not very efficient. A mortgage is not obtained in a vacuum, but in most financial plans the mortgage is never given much attention. Our approach ensures our clients get more accomplished with their mortgage payment and our unique process ensures clients don’t miss financial opportunities along the way.
