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Our Mortgage Planning Process
What is Mortgage Planning?

Mortgage Planning is the process of carefully evaluating your mortgage options and choosing the right
mortgage strategies that fit your current financial situation and then aligning that with all your other
financial goals.

Here's how the mortgage planning process works:

Step #1 - The Initial Conversation

In order to guide you appropriately, we first establish a clear understanding of where you’re starting.
We ask questions to help us accurately assess your needs:

  • What does your current housing and cash flow situation look like? 
  • What are your new housing and cash flow objectives? 
  • What large expenses should we take into account as we help you develop a housing and cash
    flow budget?

Step #2 - Analyzing and Evaluating Your Options

Through our extensive research, we offer varied mortgage options, and we evaluate what could benefit
you. We consider many questions in analyzing your options:

  • What are your housing, debt planning, and cash flow options? 
  • What, if any, mortgage products and strategies would be useful to you? 
  • What is the likely short and long-term impact of these mortgage options on your overall

Step #3 - Development and Implementation

Once we've discussed your options, and how they may impact your overall housing and financial
situation, we’ll help you decide which plan of action works best for you. We’ll be here to provide
experienced guidance, answering any questions you may have. We’ll also coordinate the whole process
with you and your financial advisors as necessary.

Step #4 - Monitor and Review

Mortgage planning is a life-long process because your financial situation is likely to change from time to
time. As your mortgage planners, it's our role to help you monitor these changes as needed through
annual reviews. During these meetings, we’ll give you an update on interest rates and the housing
market, and we'll discuss any changes that may have occurred in your situation to see if it makes sense
to modify or update your mortgage plan.

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