Who We Are

We are "Mortgage Planners" and "Trusted Advisors." We help our clients successfully manage their home equity to increase liquidity, safety, rate of return, and tax deductions while providing guidance and advice on wealth accumulation through real estate acquisition. We work with our clients' CPA, Certified Financial Planner, Tax Advisor and Attorney. We are not traditional loan officers or commoditized application takers. Our role is to help our clients integrate the loan that they choose into their over-all long and short term financial and investment plan to help minimize taxes, improve cash flow and minimize interest expense while increasing net worth.

We understand that the largest asset on a family’s balance sheet is their home. We’ve discovered many people mismanage the equity in their home. They have goals to try and pay off their home the smartest, quickest way possible, but may go about it the wrong way. Most people devote the largest portion of their incomes to housing. Consequently, how you handle the purchase or refinance of your home will have far-reaching implications on virtually every facet of your financial life, including your ability to save, pay for college and plan for retirement.

Too often, people buy homes in a vacuum, without considering how that purchase is going to affect other aspects of their lives. This can be a big mistake, and therefore you must recognize that owning a home holds very important implications for the rest of your financial plan. Although a fine goal, owning a home is not the ultimate financial planning goal, and in fact how you handle issues of home ownership may well determine whether you achieve financial success.

One of the top 100 Financial Planners in the country, Bert Whitehead, CFP, wrote in his book, Facing Financial Dysfunction, "Use your mortgage to convert wealth to capital. Your mortgage provides positive leverage, good debt that promotes long term financial freedom. It is actually much more risky from an asset allocation standpoint to have a home paid off and few other assets, than to have a mortgage and a more balanced investment portfolio."

Steven Drozdeck and Lyn Fisher in their book, Wealth Management Teams says, "If you want to get rich, don’t look at the guy at your own level, look at the wealthy and ask, ‘What are they doing differently....and why?’" They go on to say, “For middle class America, properly managing their home’s equity over time can be the difference between being able to retire when they want to, versus not being able to retire at all.”

Take a look at what professional mortgage planning can do for you. Give us a call and see how our advice makes the difference. Help us understand what’s important about a home loan to you.

Please refer to the Loan Application button in the header above and fill out a full application or use the short form.

Additionally, you may be simply looking to ask a question about buying or selling a home in which case please use one of the buttons in the right hand column (Got A Question?, Home Status Report, Looking to Buy?, Looking to Sell?) and we will get back with you quickly with the answers you are looking for.

Take a look at the two video buttons in the header at the top of this page called "9 Steps to Ownership" and "How to Sell Your Home."

Use our calculators to check your scenarios but keep in mind, while the tools we supply here at The Mortgage Pro! are amazing, they are no substitute for a one on one consultation with a qualified mortgage planning professional and trusted advisor.

L. D. Walls, The Mortgage Pro!