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Personalized Home Buying Plan Actually, this is where our service provides the most significant advantages to you. This is where we really earn your trust, save you money and if you’ll let us we can make you money! We’re not going to give away all our secrets in a free forum, but we will give you a really good idea of how we can really separate ourselves here. The Comprehensive Financial Analysis we initially conduct really sets the foundation for all of what we do. This is where Banks, Mortgage Banks, Mortgage Brokers and their Loan Originators really do you an injustice. They may say they are doing this, but all they are really doing is taking enough information on the loan application to get you approved. They aren’t even trying to get you approved for the lowest rates and fees. They say that they are, but they aren’t. They live off commission and if they are salaried their company only makes money from originating loans so they don’t make money if you don't do a loan right now. Do you think they want to help you get your credit score from a 680 to a 740 so YOU can save 1.5% or about .375% to .500% in an interest rate when they make the same amount if you do a loan now at the higher rate and fees because YOU are the one paying for those costs. Do you think they would rather make a loan now or run the risk you don’t do one in the future or go to another lender? We have established a Home Affordability Index that sets a base home price allowing you to have a much better chance of maintaining affordability if the risks in life happen. The biggest risks you face during your life are job loss, disability, divorce, premature death, taxes and with the way the powers that be have taught you to invest we have added market risk. Market Risk is huge, just think about how much money you lost when the market dropped from October 2007 until March of 2009. People tend to question why divorce is listed as a financial risk. Well if more than 50% of marriages end up in divorce wouldn’t it make sense to consider it as a risk? Plus a divorce can be financially devastating if not handled properly. Interestingly, financial stress is the number one reason for divorce. Hmm, wonder if we can reduce or eliminate financial stress in your life couldn’t we be increasing the chance of a long happy marriage? That base home price also provides you the ability to better implement an Asset Protection Plan having enough “room” in your budget to better protect all that is important to you AND to provide for your financial future. The focus of all this is to create your very own “Unique Home Ownership Strategy” by making sure you have the ability to easily pay for your house, handle day to day financial needs, able to fund future needs like your kid’s college, your retirement, your healthcare, your long term care needs and so on. By focusing on your optimal house payment, your ideal debt structure, the safest down payment and loan structure while minimizing your taxes we can provide you a road map that provides a great opportunity to meet or even exceed all your financial goals. If you are interested in setting up a Home Buying Planning Session please pick up the phone NOW and call Kurt Jackson at 816.582.5532 or email us here. |
Personalized Home Buying Plan |
