The best mortgage is the one that meets your terms. With an understanding of your overall financial picture, Wayne searches loan programs from leading national lenders to find the mortgage that will help you meet your future financial goals.
He looks at your mortgage from the standpoint of a financial consultant. By thoroughly analyzing your current and future financial goals, your income and assets, and your tax exposure rates, he's able to recommend the best mortgage options.
It's all about helping you save money. For example, you may be better off getting a larger mortgage and directing more of your money into a retirement plan, a college fund, or a guaranteed tax-advantaged investment. He will work with your CPA or financial planner to make sure your financial goals will be met by the selected mortgage options.
Because of your financial success, you have a world of choices when it comes to new mortgage financing. Wayne will show you some sophisticated financial alternatives, including some options you may not have considered before.
A full menu of mortgage programs
Many "mortgage professionals" are really just application takers. They'll give you two or three mortgage programs to choose from, and try to fit you into their mortgage program with no knowledge of or regard to your future financial goals.
In contrast, Wayne can help you explore a wide range of mortgage products suited to the high-end homebuyer, among them:
Fixed Rate Mortgages:
Monthly payments for interest and principal never change, the interest rate remains fixed and payments remain level for the life of the loan. There is protection if interest rates rise, and you can have the opportunity to refinance if interest rates decline.
Adjustable Rate Mortgages (ARMs):
The interest rate is fixed for an initial period and then adjusts periodically based on an index. You enjoy a lower monthly payment at the start of the loan and a lower payment over a shorter period of time, and rates and payments may be less if interest rates improve. If rates go up, so may the payments.
No Point Programs:
These loans give you lower closing costs and a cheaper close, but with correspondingly higher rates and payments.
You may learn more about these programs and other mortgage options by contacting Wayne's office today.
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