We utilize two unique processes with our clients

• For our financially disciplined clients we utilize our Home Equity Optimization Plan™ to accomplish life and financial goals more effectively and quickly. These goals can include substantially enhancing net worth, increasing retirement income by as much as 50%, accelerating the payoff of a mortgage, education savings for children and grandchildren, and much more.
  
• For our clients buying their first home we utilize our Sustainable Homeownership Plan™ to facilitate the ongoing ownership of real estate without compromising financial integrity. As part of this plan, we apply the sustainability test that I created which asks the following three questions:
  1. Does your credit profile permit you to keep the loan you take at the time of purchase for an indefinite period of time (in other words, will you be forced to refinance at some point if you stay in the home)?  Is an Adjustable Rate Mortgage (ARM) your only choice? if so your lender is probably trying to do a subprime mortgage, which may not be in your best interests.
  2. Do you have a comprehensive household budget?  Is the proposed payment (PITIMH - principal, interest, taxes, insurance, and if applicable - mortgage insurance and homeowners association dues) plus utilities affordable within the context of your budget? We have a budgeting tool that we provide for free to our clients to help answer this question.
  3. Will you be able to later sell your home within your defined time horizon without being upside down (owing more than it's worth)?  What if something unexpected happens before this date? We have a net projected proceeds tool that we provide free to our clients that answers the question: "How much will I make when I sell my home in X years?

Starting the process

My team and I are committed to providing our clients with life changing insights combined with clarity, confidence, balance, and focus through strategically focused world class mortgage planning, origination, and management services that are second to none.

I’m looking forward to working with you to help you accomplish your goals.

Best Regards,

Ken

Ken W. Stone
Registered Mortgage Advisor - IARFC, Certified Mortgage Planner, Certified Mortgage Planning Specialist™- CMPSI , TEAM Certified Mortgage Planner

thinking about paying your mortgage off early?

Visit Mortgage
AcceleratorPrograms.com
to sign up for a Free e-course that reveals two critical and costly Mortgage Accelerator Mistakes.

I've posted mortgage
accelerator articles.

and my mortgage
accelerator blog

****************

thinking about your retirement plan?

Visit ThreeSimple
Adjustments.com for resources to help you evaluate your retirement plan for the best possible financial outcome.

There's more information about retirement planning as well as retirement tax strategies for financial success.

I've posted articles about retirement planning.

and my retirement planning blog.

****************

Fill Out the Form Below to receive a FREE e-report called "The Most Common Tax Mistakes Move-up and Move-down Homebuyers Make." (you're probably about to make both of them)
Privacy policy

First name

E-mail address