MortgageSmart
Liz Maldonado, Mortgage Loan Specialist
Amerifund Lending Group
Redondo Beach 90277
ph: 818-378-8669
fax: 818-301-2268
alt: 424-247-9998
liz
Mortgage Planning Services
Mortgage Rates, Home Buying and Financial Planning
My services are different than the typical "shopping for a mortgage" experience.
This is a relationship, not just a transaction. As such, it requires a defines system of accountability in order to work effectively.
Our Mortgage Planning Process consists of the following five steps:
- Establish and define the client-planner relationship
- Analyze and evaluate your financial status
- Develop and present mortgage planning recommendations
- Implement the mortgage planning recommendations
- Monitor the mortgage planning recommendations through a quartely or annual mortgage and equity management review
It’s not just about the mortgage rates!
Unlike what you may have heard in the past, the lowest rate is not always the best loan option. In order to determine the best mortgage product for you, I need to ask several questions:
- Are you seeking a loan with the lowest rate or the lowest cost?
- How old do you want to be when your home is paid for?
- Is this property a transitional property to accommodate your present lifestyle or is this the home to live in through retirement?
- How important is cash flow in your life and what other priorities need to be addressed in the mortgage planning process?
Learn more about creating your own personalized mortgage plan.
To begin your personalized mortgage plan, click here for a "Goals Worksheet".
This will provide us for a good starting point for completing your personal plan.
I can also be reached at Liz@mortgagesmart.biz,
cell phone 818-378-8669, or direct line 800-640-3236
Personalized Mortgage Plan
A Personalized Mortgage Plan can have a powerful impact on your overall financial picture. By using the Personalized Mortgage Plan, you will understand the total cost and the benefit of every option available. Whether it is optimizing equity or debt, aligning the mortgage with your financial goals, adjusting for life events, or preserving cash flow, a mortgage plan clarifies the decision-making process.
The Equity Repositioning Analysis
The Equity Review illustrates the value and power of restructuring debt and equity. This unique analysis helps you calculate the totality of your current debt structure and assess how certain adjustments might support your financial goals.
To take advantage of this service and have an Equity Review done for your home, give me a call at 818-378-8669, or email at liz@mortgagesmart.biz
Click here to see a sample report.
RateWatch Report
Rate Watch is a unique service that I provide for my clients as well as others who want their mortgage to be professionally managed. I will mail the report to you on a monthly basis, thereby, ensuring that you are receiving the lowest rate possible along with the best loan program that meets both your short and long term financial and mortgage goals. Rate Watch will keep you informed of highly valuable and customized information specific to your personal loan. In essence, it will allow you to rest assured that your mortgage is being properly managed by me and my team and that you will always have the right loan that fits your goals.
To begin receiving this newsletter at absolutely no cost or obligation to you, please click here to Register for RateWatch
Total Cost Analysis
The Total Cost Analysis performs the industry's most powerful side-by-side analysis of a loan's performance over time. More importantly, it highlights two specific areas of the total cost and benefit.
First, it measures the true financial impact for a homeowner if he or she were to invest the savings of a given loan amount into an asset accumulation account. Second, it demonstrates the power and benefits of repaying the debt early. Because the information provided in this unique report is complete, you will appreciate the confidence of knowing your best interests are being served.
Liz Maldonado, Mortgage Loan Specialist
Amerifund Lending Group
Redondo Beach 90277
ph: 818-378-8669
fax: 818-301-2268
alt: 424-247-9998
liz
