FINANCING NEEDS

CHICAGO MORTGAGE LOANS — ADVANCED FINANCIAL CONCEPTS FOR ADVANCED CHICAGO HOME OWNERS

Expe­ri­enced Chicago buy­ers may have been through the home buy­ing process at least once, maybe sev­eral times.  Now they are striv­ing and most likely in a more sta­ble posi­tion finan­cially than ear­lier years of their pro­fes­sional lives.  How­ever, ask your­self at some point — am I really set in the right direc­tion?  If still uncer­tain exactly how to align home own­er­ship with true finan­cial and retire­ment plan­ning, it is time to fully under­stand how to make a change to become more finan­cially astute in this regard.  Savvy Chicago home buy­ers under­stand at this point to no longer be fly­ing by the seat of their pants finan­cially.  You should prob­a­bly have a trust estab­lished, a liv­ing will in place, dis­abil­ity insur­ance (investment-grade life etc.) cov­er­age and an exact course of action to be fol­lowed.  We have all been taught to make a big down pay­ment,
get a fully amor­tiz­ing loan prod­uct and con­tribute extra to prin­ci­pal pay­ments in order to pay off our mort­gage loan as quickly as pos­si­ble.  Under­stand, this sim­ply is inac­cu­rate at best.

CHICAGO MORTGAGE LENDING FOR EXPERIENCED HOME OWNERS

Chicago home own­ers also know the best mort­gage financ­ing struc­ture is com­pli­cated to fig­ure out even for a finan­cial pro­fes­sional such as a CMPS or CFP.  The “best rate” or “low­est mort­gage rate” adver­tised — or pro­vided in a loan struc­ture — has nothing…absolutely zero…to do with the most sen­si­ble mort­gage plan, math­e­mat­i­cally speak­ing.  Appro­pri­ate home equity strat­egy through the right Mort­gage Plan­ning con­cepts will more quickly achieve a desired net worth and allow a free­dom point far in advance of retire­ment.  Tax­a­tion, AMT lim­i­ta­tions, arbi­trage, time value and veloc­ity of money prin­ci­ples play a large part of loan strat­egy.  Allow us to give you an overview of the var­i­ous mort­gage and debt man­age­ment strate­gies that help clients bet­ter man­age cash flow, accu­mu­late wealth, increase net worth and pre­serve assets uti­liz­ing the RIGHT
principles…Safety, Liq­uid­ity and ROI.

CHICAGO HOME OWNER… WOULD YOU WANT AN INVESTMENT PLAN THAT OFFERED THE FOLLOWING?

  • The cus­tomer decides the amount and length of time that con­tri­bu­tions to the account would continue.
  • The cus­tomer can pay more than the min­i­mum required con­tri­bu­tion but not less.
  • If the cus­tomer attempts to pay less, the finan­cial insti­tu­tion can keep all prior con­tri­bu­tions and
    ter­mi­nate the account.
  • All dol­lars in the invest­ment are not liq­uid and pro­vide no rate of return.
  • Every con­tri­bu­tion results in less safety of the invest­ment and increased tax liability.
  • Finally when all con­tri­bu­tions are com­plete, there is no pay­out to the client.

THE INVESTMENT IN THE ABOVE CASE IS — AND DEFINES — HOME EQUITY.

For the FIRST TIME in finan­cial his­tory mort­gage plan­ning con­cepts we uti­lize have been offi­cially
doc­u­mented and proven.   Click below.