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I specialize in helping First Time Homebuyers understand the mortgage process and stand beside them throughout that process so that when they close on their home they feel confident in their decision. Buying a home is the single biggest investment most people will every make. If invited to, I also help First Time Home Buyers plan their future budget which is the most important thing new home buyers fail to do. I help them estimate their future costs, such as heating, water, electric, minor and major repairs, landscaping and lawn maintenance, renovations, etc. so they aren't Shocked by these expenses after they purchase.

I also specialize in helping Existing Homeowners reposition some of their equity to achieve greater financial security. Many homebuyers are sitting on tons of equity, but have little or no savings. This is a recipe for financial disaster if they encounter any financial problems down the road. As a result, some people end up maxing out credit cards and then refinancing to pay them off at less than favorable interest rates. I can help these people using my equity repositioning and debt consolidation analyses to reconfigure their mortgage to provide them with financial security so that they have liquid assets to rely on instead of credit cards. I also referred them to Trusted Proffesional Investment Counselors so that they can make their liquid assets grow SAFELY and faster than it would appreciate if left in their home mortgage. With home values flattening out, you can no longer count on your home appreciating significantly in the future.