When most Americans purchase Real Estate they shop for the financing base on the lowest Interest Rate they can qualify for.  First, make sure you are comparing Current Mortgage Rates for the same type of Mortgage. When shopping for a Mortgage, you want to be sure you are getting your best information.

A prudent person knows when to seek out professional advice before making important decisions. 

Don’t base your Home Loan decision on Interest Rate alone.

Mortgage Rates and Closing Costs can change significantly from one day to another, so if you are comparing offers from multiple lenders it must be done on the same day.

For example, if you are shopping Mortgage Rates and have a quote for a 30 year fixed at 5.75%, only compare it to other 30 year fixed quotes at 5.75%.

Next, compare the total of all Points and Lender Fees for each Mortgage (from section 800 to 813 on the Good Faith Estimate)

Ask to see a copy of the Amortization Table…that is the price of the Mortgage over time.

Then WHAT is the “Date” you will be completely DEBT FREE?

Understand that the Interest Rate is only one element of a loan transaction and that in some instances the low Interest Rate quoted by our competition is compensated for by unusually high or unnecessary fees or is tied to loan program that is ill-suited to the Borrower’s needs.

If you are Refinancing, you will also need to review the cost of Title Insurance, Closing/Attorney, and Appraisal. Some large National Companies have negotiated excellent Rates for these services on your behalf.

The company with the lowest combination of Points, Fees and Third Party Costs for the same Rate and Product has the Best Mortgage Rates. But, do they have the best overall Financial Strategy for you? Review the Amortization Table to see what is your Financial FREEDOM POINT Date?

Finding you the BEST combination of Rate, Points, Fees and Third Party Costs is the easiest part of my job!

Our Wealth Creation Asset Management Team is based on our clienteles’ needs because their personal priorities become our team priorities.  This is of the utmost importance because our entire team is committed to exceeding your needs.

We see our primary responsibility as guiding and educating our Clientele throughout the Home Buying and Financing Process, advising our Clients about the different types of Loan Products available and demonstrating how Closing Costs and Monthly Payments could vary under each product. Taking the time to understand and assess your current financial situation as well as your long-term financial goals, as defined by your specific needs. We will evaluate your requirements and provide the program options that will allow you to achieve the goal of Home Ownership.

I believe that I have a professional responsibility to help my Clients make informed choices about their financing options when buying Real Estate. From the First-Time Home Buyers to sophisticated Real Estate Investor transactions we work to provide our Clients and Real Estate Agent partners the Mortgage service they deserve and then some.

The Wealth Creation Asset Management Team is a Network of Professionals that prides themselves on unparalleled service and performance. We are committed to providing unbiased advice and prudent strategies in all areas of Real Estate as well as other Services that go hand in hand with your Real Estate Investments and Real Estate Needs.

Our services are always tailored to your unique needs. We provide Real Estate Financing, Sales & Purchases, Insurance Services, Debt Settlement, Loan Modifications, Short Sale Negotiations and are constantly adding new services to provide our Clients with one source for all of their Real Estate & Financial Needs. No matter what the circumstances are, we will help develop a Plan of Action that suits your NEEDS, WANTS, and SITUATION.

Let today be the beginning of your journey to financial freedom.