At all times, you can be assured your information will only be used with your consent to help you to obtain your mortgage.
Generally, we will arrange for a convenient time to meet and discuss your options. At that time, we will fully discuss our involvement in the process and answer any questions you may have.
This step is a critical one to start helping you to determine what options are available to you. We will ask thought provoking questions of you to make sure that all possible options are made available to you, to assist you and help you to decide what direction to take when moving forward. Sometimes cosigners or family members are often brought in as additional ammunition to help qualify on a temporary basis.
At this stage, we will also review your Equifax credit report with you. For many of you, this might be the first time you have actually seen it and had it discussed with you. Sometimes, work and time is required to repair damage or to even get a credit rating. Your credit report will play an important part of what type of mortgage you end up with. Even if you end up renting, it is something you must know at the earliest possible stage.
If you wish to obtain your own credit report, you can do so by clicking on the 2 links below.
Equifax: Equifax Credit Report Link
TransUnion: Transunion Credit Report Link
Your options will become much clearer once this process has been started. A lot of people think we are in the business of doing loans. But as mortgage planners, we really do not see it that way at all.
We, mortgage planners, are helping you create perhaps the single most largest debt of your life, and we think we have a professional responsibility to help you manage that debt. We see our primary role as helping you determine what is best for you. We will help you integrate your mortgage loan into your short and long term financial goals, cash flow objectives and investment strategies. We will come up with a personal strategy for your individual needs.