“Just when you think you can’t get any better service, they continue to impress and deliver.”
GREG K.
What is a Mortgage Coach?
A Mortgage Coach is an advisor. Unlike most of the mortgage industry that is an order taker or someone who just quotes a rate and moves on, a mortgage coach/advisor wants to make sure to integrate the interest rate and mortgage loan into your overall long and short term financial and investment goals and your payment, equity, and cash-flow objectives. We want to know what’s important about this home loan to you?
It’s also making sure you have a mortgage advisor that is there before, during, and after the transaction. If I earn the right to get help you finance your next home, I am setting you up with the biggest debt of your life. Unfortunately, that’s where most service ends with lenders. However, working with me as a certified mortgage advisor since I earned the right to get you into that debt it is my job to help you manage that debt…SUCCESSFULLY.
I want you to know, as a loan officer, I see my role as having four key jobs:
#1 It’s crucial that you choose a loan officer who can properly qualify you for a home loan, who thinks and behaves like an underwriter and knows the guidelines so we can do all the analyzing around your income, employment, or our business history, around the type of property you’re looking to buy, your credit. It’s important that a loan officer is good at that so you know that when you’re pre-approved or approved for a home, you’re actually going to qualify for that loan. That’s my first job, a really important thing a loan officer does for you.
#2 I want to provide you solid financial advice on how you can structure this major financial milestone, because there are so many different ways you could approach this. And I want to be that person who’s going to provide you those strategies.
#3 I’m your strategic partner in helping you win the deal. You could work with a loan officer anywhere in the nation. There are 150,000 of us; but I think the value for me is that I’m here locally. You need somebody who’s going to go to battle for you with the reputation, who’s going to call that other agent, going to advocate for you. That’s my job—helping you get offers accepted and to fight for you in the market.
#4 I manage the entire team to make sure your loan closes on time and closes smoothly. There are many different players who integrate into this process—the real estate agents, the title company, the escrow officer, the insurance agent, your employer, all my internal people, the underwriter, the funder. It’s my job as a captain of your wealth team to coordinate that team and make sure that we meet the deadlines to have a successful close.
And the other thing I want to say transparently is how I get paid. You don’t pay for me and my services. I get paid a commission from my company to successfully close your transaction.
One of the major differences between our team and other mortgage professionals is that we help our clients to do more than just own a home. We help them become very SUCCESSFUL HOMEOWNERS!
Why Trust Us
Because our team focuses exclusively on the financing for your real estate, we depend and rely on our trusted network of service providers to help guide our clients in many of the other aspects of successful homeownership. Our team provides you with the means to achieve your real estate goals; but other licensed professionals are more suited to serve your additional planning needs.
We call it captaining the Wealth Team. As your mortgage advisor, we help manage your liabilities and reduce your debts by helping you manage your greatest financial instrument your mortgage. Other members of the Wealth Team include:
- Realtors – helps buy and sell real estate
- Financial Advisors – manages your assets
- CPA – manages your taxes
- Insurance Pros – manages all your insurance including life insurance
- Estate Attorney – helps with life events and probate needs
Working with the Carolina Mortgage Coach team means you now have a team behind you to help you with every aspect of real estate, protection and personal finance. These providers have proven their commitment to customer satisfaction time and again, and have been personally vetted by our team.
We can find the provider that best suits your needs and then help you get connected.
As we help you and your family with advice and guidance, if we see that there may be potential for improvement in any area related to your real estate or finances, we will refer you to the appropriate licensed professional to give specific advice in that given area.
Protection
Determine whether you have the appropriate level of insurance; including home, auto, umbrella, medical, disability, and life insurance.
Generational Wealth
Rest assured knowing that you have a plan for your parents and your children.
Financial Planning
Is your real estate helping you towards your retirement goals? Feel confident that you are using budgeting, savings, retirement, investment and tax planning tools to your maximum benefit.
Credit & Debt Management
We’ll help you better understand how to use leverage in a responsible and productive way. You’ll know when and how to payoff or pay down debt over time and when not to.
Real Estate Planning
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