CMC explained what is and its benefits
Why EveryHomeowner in America Should Work with a Certified Mortgage Coach.
- A CertifiedMortgage Coach understands that for most Americans, the mortgage decision oftheir home is the single biggest financial planning decision they will evermake.
- A Certified Mortgage Coach does everything possible to help ensurethat clients make the most informed decision possible, one that will help themachieve their long-term financial goals and security. In short a Certified Mortgage Coach worksto:
- Save Money
- Reduce Stress
- Increase Wealth
How a Certified Mortgage Coach Delivers the promise...
- SaveMoney
- By analyzing the total cost ofdifferent mortgage strategies over time
- By analyzing and recommending variousdebt reduction strategies
- By using RateWatch to ensure improvedrate lock execution
- ReduceStress
- Is a byproduct of truly informeddecision making
- When options are clearly documentedand analyzed
- By making complex concepts simple
- IncreaseWealth
- By always considering the long view
- By making smart decisions
- By reducing debt over time
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Client Advantage
Client Advantage is a premier service that I offer to my clients. It is composed of RateWatch, Credit Lock, and Mortgage Planning Services.
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RateWatch
RateWatch - This tool allows me to stay on top of market movements by examining the trends and charts. It ensures that I always have the best information to get my client the lowest rate. I receive hourly emails and text messages with up the hour movements in the bond market. With this information I am able to assess the trend and determine the appropriate time to lock a loan for any potential clients.
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Rate Watch Quarterly Review
A Rate Watch report will ensure you are aware of the best rates and best loan programs available in today's market.
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Rent vs. Own Analysis
Rent vs. Own - This report is generated for a prospective buyer who wants to or needs to see the benefit of owning a home. This report shows the cost of renting versus the cost of owning. It details the net worth difference between paying rent and retaining your payment in the form of equity.
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Cost of Waiting
Cost of Waiting- This is a report is generated with the hopes of demonstrating the different scenarios that could potentially happen if a client wants to wait on buying a home or refinancing their home. By showing side by side comparisons this report allows a client to make an educated and well thought out decision on whether to wait to purchase or refinance their home or should they execute the transaction immediately.
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Purchase Total Cost Analysis
Purchase Total Cost Analysis- This tool allows me to compare multiple loan scenarios against each other on both on an immediate and long term basis. This report is generated to compare different purchase options and closing costs over the immediate and long term basis.
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Refinance Total Cost Analysis
Refinance Total Cost Analysis - This report is generated to draw a comparison for a client who wants to see the advantage of paying points to buy the rate down versus no points on a higher rate loan.
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Option Arm Review
Option Arm Review - This report will allows me to input the terms of the Option Arm and itwill be able to forecast when the Option Arm loan will recast.
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Equity Review
Equity Review - This is a report done in order to show a snapshot of any client's equity versus a potential for a refinance or for cash out or debt consolidation refinance.
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Seller buy Down Strategy
Seller Buy DownStrategy - This report is generated to show the comparison of apotential price reduction versus the same cost to the seller to pay forclosing costs for a buyer.
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Marketing brochure of several of the services offered
