Mortgage Planning Definition

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Mortgage planning aims to incorporate your mortgage, debt, and home equity into your overall financial plan. A CFO in a company spends as much time managing the assets as he does with liabilities. Financial planners are focusing on the assets and the income, but don't really manage the other side. A mortgage planner is dealing with the biggest debt a person will ever have: his mortgage. But debt management is important. Being able to manage debt efficiently can even offer you great opportunities of revenues, and also secure your financial status.

Mortgage planning aims to use mortgage as a leverage to create wealth both on a short term and a long term period. Thanks to mortgage planning, your mortgage becomes a very powerful tool to build wealth. You can use wisely the equity in your house to:

· invest in a diversified portfolio of stocks

· Access liquidity.

· Consolidate your debts

· Finance your college fund or retirement plan

Did you know that 82% of millionaires in the US build their fortunes thanks to real estate? Also, don’t forget that cash is king and that in case of emergency you need to use liquid funds, which your house equity is not.

Mortgage planning aims to respond to your mortgage needs throughout your life. Planning your mortgage means to evaluate your mortgage needs at each stage of your life. Whether you are thinking about buying your first home, refinancing, buying a second house/investment property or retiring, a competent mortgage planner will guide you through these different steps, and propose you the right alternatives.

What mortgage planning is, and what it is not

The mortgage planning process is different from the typical “shopping for a mortgage” experience.

The mortgage planning process is not about you...

...wasting your valuable time trying to save $25/month by comparing rates, fees and closing costs among different lenders.
...wasting your valuable time trying to baby-sit the mortgage company you have reluctantly chosen to work with.
...being promised one thing and then getting something different at closing.
...being “sold” on one mortgage product over another.
The mortgage planning process is about you…
...receiving valuable financial advice and guidance that can literally save you hundreds of thousands of dollars.
...trusting a professional who is committed, qualified and equipped to deliver what they promise.
...experiencing a “concierge” level of service when you are in the market to buy a home, refinance your mortgage or make cash flow changes to enhance your lifestyle.
...implementing a defined financial plan of action in helping you achieve your life goals and dreams.
...maintaining an ongoing high trust relationship with a team of financial advisors who can help you make necessary changes in your debt, cash flow and home equity planning strategies.

This is a relationship, not just a transaction. As such, it requires a defined system of accountability in order to work effectively.

To know more about mortgage planning, you can download our introduction to mortgage planning.

Opes Advisors

555 College Avenue
Palo Alto, CA 94306
Phone 650.319.1607

Cell:650.799.8768 Fax 866.609.6787

California Department of Real Estate - Real Estate Broker License Number 01458652; California Department of Real Estate License Information (916) 227-0931