We are not your average mortgage company. We believe in looking at our clients entire debt and savings picture and creating a mortgage plan that includes all pieces of this complicated puzzle.

We work with each client and their financial planners and/or tax professionals to achieve the goal of a comprehensive mortgage plan that fits their lifestyle. This is how we build clients for life and this is why most of our business is from past clients and referrals.

We start with the basics. If you do not have a home currently, we will do a detailed Rent Vs Own spreadsheet.

When a client is ready to purchase a home. we will prepare a Total Cost Analysis. This is different from 99.99% of mortgage companies. We do not focus on the best rate for right now, we ask questions and look out 2,5 or even 10 years and compare the total cost to the client at the time frame that means the most to them.

Later on, once the client has obtained their financing, we do not go away. We stay in touch with a quarterly Rate Watch Report that is tailored to each individual client. This report looks at the current market and compares it to their actual mortgage.

If the client decides that they may need to refinance in the future, we then take another close look at their financial situation and run either an Equity Repositioning Report or a Debt Consolidation Analysis to determine the best financing options for them at the current time.

Even our loan application is a little different, we call it our mortgage concierge program, click here to download it and see.

Please call us if you have any questions at all. Our goal is to build clients for life, one client at a time.