The Mortgage Planning process is about you, your mortgage and your secure financial future:

Whether you are in the market to buy a home or investment property, downsize for retirement, refinance your mortgage, or rebalance your debt for cash-flow improvement, mortgage planning advice and guidance can literally save you or make you hundreds of thousands of dollars.  How is this possible?

Mortgage financing is a unique debt in that it is tax-deductible.  Mortgage Planning is a holistic approach which balances your mortgage, down-payment, income tax deductions, investment and retirement goals, finding the optimum balance to achieve your financial goals and maximize your monthly cash-flow.

If you are one of the 85% in the U.S. who don't have a defined financial plan, this Mortgage Planning review will be an eye-opening experience - clearly showing you how to make more money with the money you make.


Creating and implementing a defined financial plan of action will help you achieve your life goals and dreams. 

The Mortgage Planning process consists of the following five steps:

Step 1:   Gather information about your specific financial needs and goals.

I will ask you for detailed information about your financial situation, your time frame for results and review all the necessary documents before giving you advice.

In addition to mortgage preference questions, I will ask questions not normally asked by loan officers:
                                       
Do you have goals to fund your childrens' college education? 
     If so, what percentage would you like
     to fund?
Do you contribute to a 401(k) or similar account? 
     What is your monthly contribution? 
     Does your employer also contribute to your account? 
     If so, what is their monthly contribution?
In how many years do you wish to retire?
In how many years do you wish to have the ability to pay off your mortgage?
What other goals should we consider?  
     An annual family vacation? 
     Future purchase of a vacation or investment home?

Step 2:  Prepare a Current Financial Assessment.

This Assessment establishes your current cash flow, debt, real estate equity, savings, investments, college and retirement funding and will be used as the baseline to which mortgage  recommendations will be compared.

Step 3:  Develop and present mortgage recommendations.

Mortgage recommendations are prepared based on your mortgage preferences, financial goals and time frame.  

Comparing the Current and Proposed Financial Assessments will give you a very clear understanding of the short-term and long-term impact of every mortgage option.  The options and recommendations are revised until you are comfortable with the mortgage decision, action plan and financial results.

Step 4:  Implement the mortgage planning recommendations.

The Action Plan to optimize your finances may require the professional services of CPA's, Financial Planners, Insurance professionals, attorneys, Realtors or other qualified advisors.  I will coordinate the process with your existing advisors or provide referrals to advisors that you need.

Download my Mortgage Planning Worksheet and start your journey toward financial independence.
Excel format or PDF format

Please note, I no longer originate mortgages but remain available to you for questions, concerns and consultation at no charge.
   


Wendy Cutrufelli, CMPS, CMP
Certified Mortgage Planner, Consultant
B.A. Finance and International Business
Realtor
Direct:  925-917-1135
Wendy@WendyCutrufelli.com
Walnut Creek, California