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 Your home loan is the largest financial investment of your life, and yet,
it is
treated
on one-time basis for most people. Life situations change.
Interest
rates change. Yet, your mortgage stays the same.
Hmmm, do you ever wonder why the majority of Americans are in stressful
debt situations? Most people spend more time vacation planning than they
do their mortgage/financial planning. We believe that's a sad way to
live
So, Welcome to OLÉ
the Ongoing Loan Experience!
Not only are we committed to securing the best mortgage rate for you today, but we are also committed to ensuring the best mortgage rate for years to come. Here is how it works.
OLE consists of 4 Parts:
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Total Cost Analysis
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See how selecting the right mortgage program can make a life changing difference in your financial future. Our total cost analysis shows you how to save thousands on your home mortgage . That is why smart homeowners insist on having a total cost analysis performed before they make a decision on a home mortgage. The report consists of:
Loan Summary:
Finally! Now you can compare four loan options side by side. You can see the loan amount, interest rates, loan terms and monthly payments.
Total Payments:
Which of your loan options has the lowest monthly payment ? This feature will give you the answer.
Term of Comparison:
It's critical for you to analyze different loans based on how long you plan to live in the home. Knowing the answer to this can save you thousands of dollars.
Total Cost Analysis:
How can you possibly keep track of all the subtle differences in cost between loan programs? This section does it for you. We help you calculate your total monthly payments, principal paid, total interest cost, total closing cost and loan balance left at the end of the determined term
on four loans simultaneously.
Total Cost:
This is only one question you should ask a mortgage broker and it isn't which loan has the lowest interest rate or fees. Instead, ask, What is the lowest total cost loan over the time I plan to stay in the home? The difference between those two questions can save you many thousands of dollars. This section gives you the true bottom-line answer.
Mortgage Plan with Asset Accumulation:
This section integrating the mortgage decision into your overall financial plan to help you make an informed decision based on your assumptions.
Net Worth:
This section reflects your Net Worth based on your homes appreciation and investment growth assumptions.
Monthly Tax Benefit:
Home ownership has definite tax advantages. This feature will give you an estimate of the monthly savings that tax benefits can bring you. We advise that you give this information to a tax consultant for an even more accurate picture. |
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Rate Watch Report
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We are committed to making sure you secure the lowest interest rate today and ensuring that you have the lowest interest rate for years to come . This report will keep you informed of highly valuable and customized information on a regular basis . It will allow you to rest assured that your mortgage debt is being managed by your trusted advisors and mortgage specialists at Savings Road Mortgage Group. The report consists of:
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Current Loan Data:
This is your current mortgage loan status, which allows us to compare current loan programs and rates to make sure you have the best at every given moment.
Rate Watch:
These are the best available loan programs and rates to compare with your current rate and payment. This shows your payment savings and any payment increase. This gives you a basis for a possible refinance to manage your mortgage debt more effectively.
Mortgage Payoff Plan:
By paying additional principal each month, you can dramatically reduce the interest on your mortgage loan. This shows your interest saved in addition to how many years can be knocked off the repayment of your current loan. |
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Debt Consolidation Analysis Report
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See how consolidating your debt can make a life changing difference in your financial future. Within minutes of doing business with your mortgage debt planner, you now can get the real picture of rates and fees that will have a major, life-changing effect on your retirement and financial independence . With this report, you now can make intelligent decisions on the impact of your debt consolidation loans and how to invest your savings. The report consists of:
Current Liabilities:
This is your current debt structure in an easy to read format. This allows you to take a bird's-eye view of your current liabilities.
Recommended Debt Structure:
This is your recommended new mortgage loan(s). It calculates the new mortgage loan(s) paying off current debt and freeing up monthly cash giving you additional investment opportunities for your future
Proposed Benefits and Savings:
This is the impact of your monthly savings as a result of this debt consolidation loan(s). It represents your savings monthly, annually, and by percentage of your income. It also calculates the impact of what would happen if you applied your new monthly savings towards the principal balance of your new loan(s).
Term Reduction:
This shows you what would happen if you applied your new monthly savings towards the principal balance of your new loan(s). It calculates your increase in equity in 5 years, 7.7 years, 10 years, and shows when the loan would be paid off.
Asset Accumulation:
This section shows you how much money you would have if you placed it in some sort of asset accumulation account such as an annuity, money market fund or with a financial planner. The interest rate earned is based on past long-term performance and can be adjusted.
Tax Benefits:
Home ownership has definite tax advantages. This feature will give you an estimate of the monthly savings that tax benefits can bring you. We advise that you give this information to a tax consultant for an even more accurate picture. |
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Equity Repositioning Analysis Report
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See how small changes in your debt structure can make a life changing difference in your financial future. This report gives you important information on making an informed decision regarding your mortgage debt with your long-term interest in mind . The report consists of:
Current Liabilities:
This is your current debt structure in an easy to read format. This allows you to take a bird's-eye view of your current liabilities.
Recommended Debt Structure:
This is your recommended new mortgage loan(s). It calculates the new mortgage loan(s) paying off current debt and freeing up monthly cash giving you additional investment opportunities for your future.
Asset Accumulation:
This section shows you how much money you would have if you placed it in some sort of asset accumulation account such as an annuity, money market fund or with a financial planner. The interest rate earned is based on past long-term performance and can be adjusted.
Projected Real Estate Value:
This section shows you how much money you would accumulate if you invested in real estate.
Total Real Estate & Investment Value:
This section shows you the combined dollar amount that you'll accumulate if you invest your money in an asset accumulation account along with your real estate holding.
Tax Benefits:
Home ownership has definite tax advantages. This feature will give you an estimate of the monthly savings that tax benefits can bring you. We advise that you give this information to a tax consultant for an even more accurate picture.
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Whew! Is that service or is that service?
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More specifically
OLE
the Ongoing Loan Experience!
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In conclusion, all of our borrowers get the OLÉ service
not to mention our 5 Star Guarantee during their loan process.
If you recently got a loan and just discovered Savings Road Mortgage Group and think these reports would be helpful, no problem, you can still join OLÉ. In addition, feel free to ask your friends or family if they would like to receive a copy of our reports. Simply call us so we can gather relevant information and you will be up and running OLE style.
Oh yes. If you need any of the reports at any particular time and simply cannot wait for the quarterly or annual report , simply call us and we shall provide the report to you. This is just another way of exemplifying our commitment to being your mortgage planner
not just some company that quotes you rates and then forgets about you.
Hey, this is OLÉ! Say it with us
OLÉ! Three times
OLÉ OLÉ OLÉ! |
Free Evaluation of Your Situation in 45 Seconds!
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