Taxes are due April 15 and if you’re among the millions of Americans who wait until the last week to file, watch this video interview. It could help you reduce your federal tax liability.
If you’re trying to gauge whether rates will be rising or falling, one keyword for which to listen is “inflation”. Mortgage rates are highly responsive to inflation.
As credit cards balances get close to their maximum limits, your score will start to drop. In fact, a single credit card at its maximum limit can lower someone’s credit score by 75-100 points. This drop in a score can be the difference between a mortgage loan approval or denial, or add 2% to the [...]
WARNING: This a graphic story of the financial destruction of an otherwise financially successful man. Here’s a secret for you – your credit score will go down every time you do something that people did previously just prior to defaulting on their debts. The credit scoring model is trying to predict the likelihood of you [...]
Stay abreast of new mortgage products and finance legislation and how they may affect you.
Testimonials
“Tom is a very unique Strategic Mortgage Planner in the NC/SC area. Several of my clients have found Tom's insight and analysis to be a great complement to the broader financial planning work we are engaged in. Yes, part of Tom's value, is that he understands financial planning and how real estate and proper debt management can/should drive a client's long term success. Tom's integrity and ongoing service are "top flight".”
Peter B. Financial Success Coach
“Tom has an outstanding ethic and a true culture of Excellence. I met Tom while looking for a mortgage in NC back in 2005 and he was the only person I have ever met who finally had the deep knowledge I expect, spent time to educate me so I could make the BEST choice in my situation and worked with me through all steps to optimize the results rather than his commission. Not only I recommend Tom as a trustworthy and ethical loan officer but I also commend his deep understanding of the Mortgage business. These skills make him the perfect person to deal with for your mortgage needs but I invite everybody to consider him as part of your team of financial experts to grow wealth faster.”
Christophe M. Client
With Tom's help we navigated through a new mortgage for our home and a new path to travel for the next few years in helping us achieve goals of business and growing family.
If you are looking into ways to leverage your home as an piece of your financial future you owe it to yourself to give Tom a call.