My business coach asked us last week to come up with our “Why”. He gave us a questionnaire to help us and several questions and then concluded with a Skype call.
A large number of people come to meet with me about their mortgage and they are not really sure why they are there or what they should ask. Well let me tell you getting a mortgage is a lot more than finding the best rate. It is important that you find the right broker that will find the right product to suit your needs. For example what if you need or want to pay down additional money on your principal within the first year or during the term? Not all lenders allow or have the same prepayment options. Should you take a variable rate mortgage or fixed? What are the risks? What if you are self employed and have a lot of deductions and so your net income doesn’t look so good? These are just some of the many decisions that I help my clients make every day.
The other day I had the opportunity to assist a client who had a child who was very ill. The family had taken the child for many surgeries and found them selves unable to make their mortgage payment. I was devastated for the family and wanted to do something to take the stress off of them so they could concentrate on their family. I called the lender and had them waive the NSF fee and the late interest and did some investigation and discovered they could capitalize a few payments until they got back on their feet.
This experience helped me to discover my “why”. I want to make a difference in every life I touch whether that means helping you get a mortgage to buy your home or helping you to get the best rate with your existing lender, if that makes the most sense given your circumstances. If I can help you please call me at (250) 469-1611.
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