In a world where we hire professionals to manage our largest investments, it is equally important that we have a professional managing our largest debts. It’s 2020 - there’s more than one loan program out there besides your typical 30 year fixed rate mortgage.
Should we consider an Adjustable Rate Mortgage, if your time horizon of owning the home is less than 8 years? How should we structure mortgage insurance – monthly? Upfront? Should we finance it? Should we finance closing costs to minimize out of pocket costs?
These questions among many more, will help us determine the best mortgage strategy for YOU.
Whether you are a seasoned real estate investor, or a first time homebuyer, I take the time to learn and understand what your short term and long term financial goals are, and then deliver ADVICE on how we can achieve them through a particular mortgage strategy. I give every client a complete Total Cost Analysis, which outlines not only your monthly payment, closing costs, and down payment options, but, more importantly, the costs of your mortgage over time.
The bottom line is this: Real estate is a great investment and can be a great tool to build wealth, but it’s CRITICALLY IMPORTANT that you understand exactly what options you have, and that you are able make an educated decision based on your particular situation.
Along with being a mortgage professional, I am lucky to have the opportunity to be a youth and high school wrestling coach, something I’m super passionate about.
In closing, I look forward to the opportunity to grabbing a cup of coffee with you to discuss a strategy for securing the best mortgage tailored specifically to your financial goals. I believe that the largest financial transaction you will ever make requires a professional, well-designed financial plan. Because after all, it’s not just a house, it’s your Home!
You can always call or text me directly at (973) 747-7373, or email me at Robert.Glasser@njlenders.com