Dave Buckman
Certified
Mortgage
Planner

To many, mortgage lenders offer little to differentiate themselves and their products from competitors.  As a result, I get many calls from soon-to-be clients asking me "What are your rates?"  As you probably know, the real question is (or should be) "What can be done to reduce your total interest expense"?

While your interest rate is one factor used in calculating total interest costs, there are other more important considerations that, when employed, will save you a literal fortune!

So before you decide on a lender that has quoted you a seemingly low rate, please review the meaningful points listed below, and be sure to discuss with me how they can be used to your significant advantage.

Keep your eye on the Prize!

Don't fall prey to the many myths and misconceptions surrounding home mortgages.  Employing proven tools and strategies to save money and build for retirement is not reserved for wealthy, but for the well informed.  Meet with me and you'll never look at your mortgage or your mortgage planner in the same way again!

Differences that Matter!

Broker vs. Banker
Having managed a region for the nations largest mortgage lender, I was struck by how many clients and loan officers I would lose to what was then a young mortgage broker industry. After all, how could a small shop beat a large company? When I found out, I didn't waste any time switching sides.

Here's what I found:

As a broker, with close relationships with your area's best lenders...

    I can offer a far broader selection of products and services (ie. 1st and 2nds, 
       Equity Loans and Lines, Reverse Mortgages, 40 year Amortiztion, etc.)

    I can better find and lock the most competive rate.

    I am in a better position to move your file to a new lender, if rates have 
       dropped and the lender refuses to provide you with a now lower rate.

    I find that our lenders are aggressively competing for my business, resulting 
       in price concessions and special underwriting considerations.

Local Presence
Rather than working for a large out of state lender, my team and I are very much hands-on, meaning that we proactively manage the approval of your loan, which includes frequent communication during the processing of the loan, as well as attending your closing tp avoid problems to often found on that special day.

Meaningful Direction and Advice
By first understanding what has to happen during the next three years for you to feel that real progress has been made towards identified financial goals, I'm in a better position to introduce you to financial concepts and strategies that have proven to save my clients a fortune in interest.

Better Payoff Strategies
To many, the goal of paying off your loan early is a primary concern. If you fit into this category, than you would make a serious mistake choosing another lender. Our products and strategies are not only proven, but in many cases exclusive. And best of all, this worthy goal is accomplished without changing your current spending patterns.

Direction and Clarity
Having talked to and managed more than a few loan originators in my career, I am never surprised, but always disappointed by their inability to clearly explain how the many choices will impact your results now and into the future. Or, to explain to a first time homebuyer the process and what to expect. My strength in this area alone, will convince you that you have made a wise decision.

Mortgage Audit
Errors in your mortgage payment calulations can cost you thousands of dollars and unfortunately, these errors happen way too often. That is why it is so important that you verify your lender's calculations.  The best way to do this is with a mortgage audit done by an independent company. As a complementary service, I have retained the services of the American Institute for Mortgage Education (AIME), to provide you with a comprehensive mortgage audit at no cost to you.  Be sure to excersive this free offer prior to selling or refinancing your home!

Lifetime Mortgage Management
With over half of my business coming from past customers, their family, or their business associates, you can reliably predict that your experience will be a positive one. And this positive experience does not end with your closing! Because the mortgage is often times the centerpiece of a successful financial or estate plan, it is essential to have a mortgage planner that has the systems and ability to review and compare your current loan with changes taking place in your life...as well as the marketplace. You will appreciate my ability to ALERT! you to changes in Interest Rates and important guidelines, as well as updates on progress towards important financial goals.