If what you thought was true, turned out not to be...

​When would you want to know?

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It's probably no surprise to you that the sole purpose of most marketing is to
CONTROL WHAT YOU BELIEVE in order to CONTROL YOUR ACTIONS.
​

WANT THE TRUTH AND THE BEST RATE & TERMS FOR YOUR SITUATION?   

513-654-5141

Mortgages and Refi's
a few interesting (and revealing) facts

​1.
In the early days of mortgages, people tended to buy a house and live their entire lives in that one house.  
Back then, paying of a mortgage meant permanent relief from debt.

2.
Today, the average time a family will own the same home is about 8 years according to Realtor Magazine.
Since mortgages don't move from one home to the next, homeowners reset the mortgage clock everytime they move!

​3.
For most families, cashflow flexibility is highly important.
A 15-year mortgage locks you in to a higher payment than a 30-year alternative with NO flexibility on monthly payments.

4.
Will you really save tens-of-thousands of dollars over the entire life of the mortgage by opting for a 15 vs 30-year mortgage?
Yes, IF...
You hold the mortgage for the entire term of the 15 year mortgage vs the 30 year mortgage
IF
You ignore the fact that the extra money you put into the mortgage each month in your 15-year payment couldn't have earned an average rate of return GREATER than your mortgage interest rate over the entire 15 years.
IF
You don't have to use a credit card for purchases because your monthly mortgage payment was so high you didn't have cash flow to avoid borrowing!

CALL NOW

Today's 30 Year Mortgage Rate

CAUTION:   
Anytime you see a mortgage rate, there are "QUALIFERS". 

Do you want to know the lowest possible rate the most highly qualified borrower could get on the most ideal property under the most optimal  conditions?

OR 

do you want to know what YOU will get?

FACT:  NO ONE can quote you a rate that YOU will get unless they know:

1) How long you've owned the property
2) Your credit score
3) Your total income 
4) The type of income (w2, 1099, support, retirement, etc)
5) Your total amount of current debt
6) The value of the property
7) The type of property
8) The location of the property
9) The total amount of current mortgage debt
10) The condition of the property
11) The age of the property
12) Your total assets
13) and perhaps a dozen or more other factors....

Simply quoting a rate without knowing the above
​is a bit like a boldface lie!
5

blah blah blah

*2.876% APY
*4.101%  APY
*1.226%  APR

* none of these matter! 
​ONLY YOUR rate matters! 

513-654-5141