Our-Process

 

 

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1. Let’s talk - A simple phone call to our office at 619-867-0975 is all that’s needed to get you started.

Whether you are looking for loan pre-approval to buy your first home or your fifth, want to refinance your current mortgage(s), pull cash out of your properties, or you just want us to review your current real estate investments to make sure they are optimized for your financial goals, we are here to help.

Don’t worry, if your needs don’t fit our services, we will gladly point you in the direction of one of our partners that can help you.

 

2. Let’s Review - If you like our discussions and want to take the next step, we will request documentation from you to do a full financial review. This review will help us analyze all of your options, find areas for improvement (if any), and present you with all the opportunities that you don’t just qualify for, but also fit your goals while saving you the most money.

 

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3. Let’s think - Once we’ve given you all your options we want you to take the time to review which is the best choice for you and your family.  If you have tax and financial planning partners, this is when we get them involved because home financing impacts them, and we want all your financial goals aligned.

“No” is not in our vocabulary.  We hate it when we hear stories of how other banks have turned people down for financing and they don’t know why.

If you don’t qualify right now, we will still help you.  We will explain what is in the way and set you up a plan to get you on track toward your goal with our Pathway Program.

 

4. Let’s Begin - Once you’ve decided on the option that best suits you, we are ready!
If we are doing new financing immediately, we submit to the bank for a streamlined approval/funding process. Yup, streamlined. Our secret is all the work we just did in steps 1-3.  It makes the bank process a breeze.

If you still need to find that perfect home before we start our streamlined bank submission, we will work hand in hand with your real estate agent with a customized pre-approval letter to get your offer accepted.

If you are on our Pathway Program we will be in touch at each step of your path to verify you are staying on track to home financing.

 

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5. Let’s stay in touch - We are so excited to help you with your real estate journey and helping maximize your wealth accumulation that we get together with you once a year for an Annual Review of your investment(s) and make sure they are still working according to your financial goals.  Life changes over 30 years, so we like to make sure your investment stays in line with those changes.

 

 

We do this all at no cost or obligation to you!