Resources

Resources

The goal of Brent Burns, his team and this website is to provide a wealth of information assisting consumers, Professional Providers and their clients in making informed decisions regarding Real Estate related financing.  To take full advantage of all of the information on this site, you may need to download and install a FREE version of Adobe Reader.

Our Newsletter

My team and I publish a bi-weekly newsletter addressing pertinent issues as they relate to not only mortgages, but to our client's overall financial life.  Many clients begin their life-long relationship with us by first becoming subscribers to this newsletter.  Click here to sign up to receive it for yourself.

How do I know which mortgage program is best for me?

Choosing the right mortgage program can truly be a million dollar decision.  Choose the right one, one that allows you to not only comfortably afford your mortgage payment, but also allows you to save for future college and retirement needs, and you win.  Choose the wrong one and you can make it much harder to reach your financial goals.  How do you decide?  When you work with my team and I you will receive a side by side comparison of up to four mortgage programs, detailing the strengths and weaknesses of each program.  As said, our goal is to help you make an informed and intelligent decision about your mortgage.  To see an example of this comparison, which we call our Total Cost Analysis, click here. 

What About Interest Rates?

One of the questions my team and I hear over and over from our clients is "When should we lock in our interest rate?"  Many clients are fearful that once they lock in a rate for their mortgage, the interest rate market will fall, and they will be "stuck" with an uncompetitive rate.  Or, if they don't lock in, rates will rise and the resulting mortgage payment will be higher than they want.  We do not ever want you to be in a position like this, so we our team relies on the information provided Barry Habib and the Mortgage Market Guide.  Barry is an interest rate expert, and he speaks frequently on the direction of interest rates, appearing regularly on CNBC.  His ability to predict the directions of interest rates is without equal.  Once your mortgage is in process, we will rely on the recommendations of Barry and the Mortgage Market Guide as to when to lock in your interest rate.

Is your mortgage being managed?

Do you currently have a mortgage?  If so, is that mortgage being managed?  Do you know how a ¼% reduction in your interest rate affects your mortgage payment?  When does it make sense to refinance?  All these questions can be answered with our Rate Watch report, which we will mail to you on a quarterly basis, and will include a comparison of current market rates & what the monthly savings would be specifically for your situation.  You can then make more informed decisions, based on current market data.  To see an example of a Rate Watch report & the monthly benefits it details, Click Here. If you are already our client, you will receive these reports automatically.  If you are not our client, complete our Rate Watch Report Request Form and we will manage your mortgage for you, free of charge!

Does it make sense to consolidate my other debts into my mortgage?

A client wants to refinance his loan, to lower his monthly payments.  However, he's not sure consolidating his credit debt into his mortgage makes financial sense.  With the Repositioning Analysis Report, we can show the client how paying consumer debt through refinancing can be beneficial to him, and what those benefits total in monthly savings.  To see an example of how consolidating debt can benefit you or your clients, Click Here.