...was created with the specific purpose to help homeowners achieve their dreams. We lend with integrity, customer centricity and competitiveness. Our product is ADVICE. Our special valued service is a TEAM approach through a growing synergy of influence. Our competitive edge is a qualified staff of Certified Mortgage Planning Specialists. We are trusted mortgage planners to an ever-broadening base of clients nationally.

Our vision is to become an industry leader and one of America's premier mortgage planning companies. We will journey towards greatness with the support of people who care while openly sharing our successes.

Our clients will come to The Barath Group for personal, responsive and attentive service. We want to assure them that we will respect the confidentiality of their private choices. Additionally, our unique philosophy gives us the opportunity to enhance our relationships, to bridge paths, and to offer poignant advice. While most lenders spend their time looking for the "next" client, we spend our time implementing systems designed to nurture our client's aspirations for all of their life successes.

Our mission is to facilitate prosperity, to empower ideal growth and to promote community stewardship. We will achieve these goals collectively by the process of our passionate interconnected outreach.

We pledge to be advocates for our customers. We want to put them at the center of everything we do. We strive to develop Client's for Life by exceeding our client's expectations. We want our clients to be so satisfied that they become Ambassadors to our success. Accordingly, our clients will gladly REFER us to their family, friends, and business associates who are in need of a certified mortgage planning specialist.

We want to be known as Life Facilitators offering sound financial advice, implementing innovative & highly competitive mortgage strategies and fostering an affinity towards success for all. We also want it known that The Barath Group understands the value of people and that we encourage building deep relationships. In conclusion, we want to totally satisfy our customers' mortgage needs as the gateway to their dreams.

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.

Mortgage Planning Process Checklist

Mortgage Planning is about building relationships, not just conducting a transaction. As such, it requires a defined system of accountability in order to work effectively. The Mortgage Planning Process consists of the following five steps. Always keep these in mind and reference them when working with your mortgage planning specialist!

1. Establish and Define the Client-Planner Relationship  

Mortgage Planner Should:

• Ask you for information about your financial situation and your time frame for results and success.
• Gather all the necessary documents before giving you the advice you need.
• Clearly explain or document the services they will provide to you.
• Explain how they will be paid and by whom. Unless you are willing to pay a flat fee for mortgage and real estate equity advice, mortgage planners are typically compensated through a commission structure set up with the lenders they work with.

You Should:

• Clearly explain how financial decisions are made in your household and include all the key decision makers in consultations with you will be.
• Be prepared to share personal and financial information with your mortgage planner in order for them to be able to advise you on how best to achieve your goals.

2. Analyze and Evaluate Your Financial Status

• The mortgage planner should analyze your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing your credit situation, real estate equity, debt situation and cash flow. CLICK HERE to begin your FREE analysis.

3. Develop and Present Recommendations and/or Alternatives

• The mortgage planner should offer recommendations that address your goals based on the information you provide. The mortgage planner should go over the recommendations with you to help you understand them so that you can make informed decisions.
• The mortgage planner should also listen to your concerns and revise the recommendations as appropriate.

4. Implementing the Mortgage Planning Recommendations

• You and the mortgage planner should agree on how the recommendations will be carried out.
• The mortgage planner may serve as the "coach," coordinating the whole process with you and other professionals such as CPAs, CFP® professionals, attorneys, Realtors, builders, insurance professionals and other qualified advisors.

5. Monitor the Mortgage Planning Recommendations through an Annual Mortgage Review

• You and the mortgage planner should agree on how you will both monitor their progress toward achieving their goals.
• During this review, your mortgage planner can adjust their recommendations, if needed, as your life changes. Most often, this process involves periodic assessment of:
  • Your client's fluctuating cash flow needs.
  • Changing market interest rates and mortgage strategies.
  • Income and career alterations.
  • Family changes including:
    • Children's financial needs
    • Caring for elderly parents
  • How your real estate equity and investments are performing from both a cash-flow and "internal rate of return" perspective.

How to get your Homebuyer Privileges

Contact The Barath Group today and speak with one of the Certified Mortgage Planning Specialists to get your Lender Participation Code and Homebuyer Privilege ID.

A Sampling of our Homebuyer Privileges Offers: