FINANCING NEEDS — Please read the VERY INFORMATIVE links and infor­ma­tion below.

CHICAGO FED
Trade­off Between Mort­gage Pre­pay­ments and Tax Deferred Retire­ment Sav­ings Download

CMPS
 Equity Man­age­ment and Veloc­ity of Money Download

CHICAGO MORTGAGE LOANS, MORTGAGE PLANNING AND HOME FINANCE

Which is ABSOLUTELY the right loan strat­egy based on some
fun­da­men­tal prin­ci­ples of finance — Tax­a­tion Ben­e­fit, Arbi­trage
Dif­fer­en­tials, Lever­ag­ing %, Effec­tive Rates/True Cost, Time Value and
Veloc­ity of Money Principles?…just food for thought.

  • Down Payment/Equity Posi­tion — What $$, what assets used, 91 day rule… Is 20% down (or more) wise…?
  • Mort­gage Instru­ments — mul­ti­ple types of mort­gage insur­ance or
    80/15, 75/20, 70/25, 65/30?… which is really most effective…?
  • Tax­a­tion Advan­tage — tax bracket %, cost vs. dis­count, higher rate vs. higher fees, cap lim­its, TIME FRAME…?
  • Eco­nom­ics and Inter­est Rates — Daily/weekly data, degree of impact,
    rever­sal trends and resistance…when should you REALLY LOCK…?
  • APR Real­i­ties — APR is entirely inac­cu­rate 99% of the time…
  • ARM loans vs Fixed — Are ARM loan strate­gies truly risky…? Not if used correctly…

Mod­ern mort­gage, real estate and equity man­age­ment choices can often con­fuse and over­whelm you as you
face some of life’s biggest finan­cial deci­sions.  A close, con­sul­ta­tive rela­tion­ship ensures that we can help you meet your goals accord­ing to your own situation.

Your finan­cial well being fun­da­men­tally cen­ter around the home pur­chase.  We all real­ize the real estate invest­ment is an essen­tial tool for accu­mu­lat­ing a greater net worth.  Some may feel it is
only a tem­po­rary shel­ter for now.  But appro­pri­ate lever­ag­ing and acqui­si­tion strat­egy is key to retain­ing
safety, liq­uid­ity and a rea­son­able return on your invest­ment.  Today’s mort­gage mar­ket more than ever requires the high­est degree of exper­tise in help­ing you obtain a sen­si­ble loan solution.

Keep a very open and recep­tive mind.  Regard­less of your
finan­cial back­ground, your expe­ri­ence with mort­gage lend­ing and your
level of edu­ca­tion, let us help guide you to the end result for which you are look­ing.  Many times it seems the mort­gage indus­try steers con­sumers toward a one-size-fits-all approach and we under­stand the appre­hen­sion this has cre­ated.  This sim­ply is not a viable option for most.  We will help
you make the right deci­sion for your­self and you can bet it will be the
BEST deci­sion you could make.