Mortgage Under Management; Rate Watch; Total Cost Analysis; Annual Review

1. value-added
Personalized Mortgage Plan
your goals +
Integrate your largest financial instrument with
your goals
mortgage
RateWatch Report
our planning = p l a n n i n g
Maintain complete control over how your loan is
performing
total strategy s e r v i c e s
Annual Equity Review
Achieve optimal equity through an in-depth review
Do you realize that your mortgage has a performance The Annual Equity Review service, t akes an in-depth look
record? It is either contributing to or detracting from at your complete equity and debt positions, providing you
your goals. It is either accelerating or reducing the speed with the information you need to make informed, mature,
at which you will reach your financial t argets. So why is and timely decisions that will optimize your equity for
it that most people simply view their home loan as if it short- and long-term planning.
were a financial obligation rather than a financial
instrument? One of the reasons is that the mortgage
industry has lacked the proper tools and training to give
you the information you need. That is, until now.
Personalized
To better serve my clients, I have invested in training,
Mortgage Plan
propriet ary tools and technology to deliver a unique set
of services. The Personalized Mortgage Plan, the
RateWatch, and the Annual Equity Review will
empower you as my client to integrate your mortgage RateWatch
into your financial plan. As a result, you can be
Report
confident that your mortgage doesn’t inhibit the pace at
which you can reach your goals.
Services provided by:
Greg Prete, CMPS
The Personalized Mortgage Plan enables you to make
Annual Equity
the best financing choice by assessing every component Cambridge Funding
Review
of each loan option over a period of time. By p (949) 788-1822
underst anding the tot al cost and tot al benefits, you will f (949) 788-1894
have full knowledge to make the best decision.
The RateWatch Review offers you the opportunity to
monitor the performance of your mortgage on an
By choosing to use me as your Certified Mortgage
ongoing basis. You will have the information you need
Planner, you will benefit from each of these core services
to determine if the changes in your life or in market
as well as my team’s exceptional level of execution.
conditions warrant fine tuning of your mortgage
instrument.
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2. Annual Equity Review
Personalized Mortgage Plan RateWatch Report
Integrate your largest Maintain complete Achieve optimal equity
control over how your through an in-depth
financial instrument
loan is performing review
with your goals
Your Personalized As your Mortgage It has been said that
the only thing that is
Planner, I believe that
Mortgage Plan can
const ant is change.
my work really begins
have a powerful
The Annual Equity
with the closing of your
impact on your overall
Review t akes an in-
loan. The RateWatch
financial picture.
depth look at the various aspects of your mortgage’s
Report is a service designed to help you maint ain
Consumers who secure the services of a mortgage
performance, allowing you to determine if your loan
continual control over the performance of your
planning professional are uniquely empowered to
is continuing to contribute to the acceleration of your
mortgage. I will be proactively providing you with
make solid decisions. By using the Personalized
financial goals. If the changes in your life warrant
information and analysis to review how your loan
Mortgage Plan, you will underst and the tot al cost
changes in your financing, you’ll be able to make
compares to current options. You will enjoy const ant
and the tot al benefit of every option available.
that decision. Just as we go to the doctor for regular
control over having the financial dat a you need to
Whether it is optimizing equity or debt, aligning the
checkups for our bodies, the Annual Equity Review
determine if the changes in your life or in market
mortgage with your financial goals, adjusting for life
will empower you to optimize your equity by helping
conditions warrant the fine tuning of your mortgage
events, or preserving cash flow, a mortgage plan
you to assess your mortgage’s “health” each year.
instrument.
clarifies the decision-making process.
The Total Cost Analysis The RateWatch Analysis The Equity Repositioning Analysis
The Total Cost Analysis performs the The Equity Repositioning Analysis illustrates
The RateWatch Analysis captures the current
the value and power of restructuring debt and
industry’s most powerful side-by-side analysis of status of a loan’s performance (rate, payment,
equity. This unique analysis helps you to calculate
remaining balance) and presents it in the
a loan’s performance over time. More
the totality of your current debt structure and
meaningful context of today’s market conditions.
importantly, it highlights two specific areas of
assess how certain adjustments might support
If your goal is to pay off your mortgage as quickly
the total loan cost and benefit. First, it measures
your financial goals. Whether it is increased
as possible, you can quickly determine the
the true financial impact for the homeowner if
savings, maximized investment return, or early
savings achieved by doing so in varying amounts.
he or she were to invest the savings of a given
retirement of your mortgage debt, specific
In addition, if you need to focus on maximizing
loan into an asset accumulation account.
numbers are available for your consideration.
your cash flow, that information is also at your
Second, it demonstrates the power and benefits
Optimizing equity can be one of the most
fingertips. Because the information provided in
of repaying the debt early. Because the
powerful controls for you as the homeowner. The
The RateWatch Analysis is timely and
information provided in this unique report is Equity Repositioning Analysis will give you the
meaningful, you will experience a level of control
complete, you will appreciate the confidence of data you need to optimize your equity and
over your mortgage unique to most consumers.
knowing your best interests are being served. properly manage your debt.