- Name
- Jeff Trevarthen
- Company
- Accessbanc Mortgage
- E-mail
- Contact Jeff Trevarthen (Accessbanc Mortgage)
- Website
- http://www.mortgage-wealth.com
- Office Phone
- (408) 558-5218
- Cell Phone
- (408) 761-6849
- Fax
- (408) 687-4480
- Description
- I've been described as a teacher, a friend, a business partner, a mortgage planner, and best of all, a difference maker! My advice makes a difference so don't hesitate to get in touch.
Why Mortgage Planning?
"Prescription without diagnosis, is malpractice"
The quote above couldn't be anymore true when it pertains to the home mortgage industry. For example, you are about to purchase a new home or are considering refinancing. You call a loan officer and they ask you the following questions:
How much do you need? How long will you need it for? And what is your FICO score?
They say, "we have great rates and great service." Don't they all say that though? They'll then proceed to quote you one or more programs with rates and fees and if you're interested, please give us a call back. You call the next Loan Officer and receive the same routine. You call the third Loan Officer and receive the same routine again. When you're tired of hearing the same approach, you stop and it's time to decide who has "the best deal." Right?
When you're shopping for a mortgage, what is it that you really want? The best deal, naturally. But what exactly is the best deal? Is it the lowest rate? The shortest term? The least cash out of pocket? An ARM? A Hybrid? Can a 1/16th of a point really make a difference? The list goes on and on...
As a result, Small Decisions Can Have BIG Consequences!
The reality is that the answers to those and other questions, some so subtle as to seem trivial, could make a difference of thousands or tens-of-thousands of dollars. Simply put, an uninformed $20 decision could be a $10,000 mistake!
Small differences become quite large when you factor in the time value of your money... whether or not you take monthly savings and apply them to the principle... the tax advantages of one loan versus another... how fast one loan builds equity compared to an alternative... and many other considerations. Trying to uncover the real, long-term advantages of one loan over another can be quite complex... so complex, in fact, that few Loan Officers even try. Instead, knowing that rates drive most buyers, they simply "fish" with low rate quotes and wait for a "bite."
I am not a rate quoter, nor am I your typical loan officer. My advice makes a difference!
I offer various mortgage plans that can help you quickly identify the best path toward maximizing your equity and enhancing your financial strength. Even more, my reports will help you pinpoint...
-Which loan is easiest on your monthly cash flow?
-What options will make you debt free the quickest?
-What loan offers the most tax advantages?
-Which loans will enhance your net worth and which could drain it?
To begin creating your mortgage plan, contact me today.
Needs vs. Wants
Is a mortgage all you need? Most individuals will initially take a very compartmentalized approach when it comes to financing the house. Purchase a house, get a mortgage, and the mortgage is a necessary evil at best. Decisions are often made because of the outdated belief systems in conjunction with the fear of the unknown. And most are simply unaware of what a truly powerful financial instrument the modern day mortgage is.
And it's not just my clients. It's also the large institutions that are promoting product, not solutions. These institutions are focused on getting the deal done, not nurturing relationships. Today, the mortgage is a commodity. We shop for commodities and like everyone else we want a good deal. However, what's missing most is The Strategy. In fact a good deal on the wrong strategy, over time, could cost you hundreds of thousands of dollars (really...I'm serious...I've seen it).
Let's take a look at our fiscal society. Isn't it ironic that we are a nation of debt, yet we are focused on paying off the debt? I believe we are focused on the wrong thing. Both our short and long term fiscal foundation should first be based on building wealth within the context of a financial plan, not solely focused on paying off debt.
So, what is your plan? And what does a mortgage have to do with this? The answer quite simply is everything. If a lending institution is going to create the largest debt you have on the largest asset you'll own, don't they have a fiscal responsibility to advise you on the impact your choices will make? As a Mortgage Planner & Financial Strategist, I help my clients create a simple plan to achieve their short and long term financial goals. This mortgage plan provides fiscal literacy, smart advice and most importantly, a plan to shoot for. It could be the cornerstone to helping you achieve such noteworthy goals as a more comfortable retirement; planning for future college expenses; increasing your overall wealth; maximizing your tax benefits; and protecting the assets you work so hard to acquire.
As a mortgage planner, I give you the personal attention you deserve and treat you with the respect due a valued customer. I understand you're making a commitment in buying a new home, refinancing, or cashing out your home equity. So I make this commitment to you....I will help you qualify, apply and be approved for the Mortgage Plan that is right for you.
