Your mortgage planning advisor team will walk you through various scenarios and help you determine the most appropriate financing program with the lowest loan costs.

Asset Optimization

You have lots of equity in your properties. You may also have lots of stocks or other liquid assets. Are you properly and optimally allocating your assets? Maybe it is time to shift some of the equity from your real estate portfolio into other investment instruments. Or maybe it is time to sell some stocks to buy real estate properties.

Your mortgage planning advisor team will work closely with your financial planner to walk you through the “what ifs” scenarios, and help you determine the best strategy to take.

Debt Consolidation 

You are buried in debt, and feeling overwhelmed. Some debt maybe from credit cards, others may be car loans, student loans, and/or mortgages. Are you effectively managing your debt? Do you have a deliberate debt management strategy?

Your mortgage planning advisor team will help you with analyzing your blended rates across all debts, and help re-structure your debt allocation with maximum tax advantages and lowest costs.

Rate Optimization

Mortgage rates fluctuate everyday and the changes are caused by many factors. As a consumer, it is hard to keep track and stay on top of all the latest interest movements.Your mortgage planning advisor team provides a service where you will be notified automatically when your specific certain criteria are being met for refinancing.Annual Mortgage Review
We all believe that we need to get our dental check up and cleaning every 6 months. Why is it that most people do not think about an annual review of our biggest asset or debt? Situations change as we go through life events, and it is important to get your mortgages reviewed every year to make sure it is still in line with your overall financial situation. Your mortgage planning advisor team will conduct a free annual mortgage review to cover 3 main areas:

• HBDR (Household Blended Debt Rate) Assessment
• Identity Assessment
• Equity Assessment

Interested by a Mortgage Planning Session? Please complete this form, or send me an email at mortgage@jeromesierra.com.