Whether you are a first time home buyer or a seasoned investor, new strategies on mortgage, credit scores and homebuying can save you tens of thousands of dollars.

Any caveman (oops) I mean high school grad can be taught to fill out a home loan application.

But is this the person you want handling what is possibly your biggest financial asset?

There are Three Types of Loan Officers:

1. The broker who cares more about getting a pay check than doing what is right for their client.

How many times in the past year have you been offered a 1% or 2% loan? Sounds Great Right? The problem is, this is a negative amortization loan and is the wrong loan for 90% of the borrowers out there. It is the equivalent of the loan officer cutting your wrists and watching you bleed to death all for the sake of their well being not yours.

2. Brokers who do not try to put you into the wrong loan but do so because of their inexperience or lack of education in mortgage finance.

All of the lending and home lending companies that you see advertising on TV and on the internet (I won't mention any names) are nothing more than list / name sellers. They take your information and sell it to the mortgage brokers listed above in # 1 and # 2.

3. The third type of broker is someone who genuinely wants to help his client reach their short and long term financial goals.

They are Mortgage Planning Specialists that realize a mortgage is an integral part of their clients overall financial strategy. They would forgo a pay check instead of putting their client into a loan that they didn't need.

I am very passionate when it comes to mortgage loans and credit scores.

It's my hope that this site will empower my clients and future clients with the knowledge that will make a life altering change for their families financial future.

Please explore the website. I am sure you will learn something new to walk away with.

This site will always be a work in progress as the mortgage and credit industries are constantly changing so please add this site to your favorites and visit often.

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