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In order to add significant value to you, by providing the lowest
total cost mortgage loan and the latest cutting edge market information, I have implemented a number of systems that are available
to you as my valued clients.

The Mortgage Coach The second system my team utilizes is the
Mortgage Coach. As your trusted mortgage advisor, this system allows me to help you choose the most effective mortgage strategy
for both your short and long term goals by comparing several viable options, utilizing the most advanced and complete loan
comparison software available on the market; I can show you a total cost analysis, when and how to avoid Private Mortgage
Insurance (PMI), equilty reposition, and it allows me to recommend the best overall cost strategy for your unique situation.

Mortgage Market Guide Finally, being a student of the market,
getting the latest and most accurate information on the mortgage market is essential to adding value to you. Mortgage Market
Guide, gives me up to the minute information which allows me to guide you to the most appropriate time to lock your interest
rate for either a purchase or a refinance.

MoveUp HomeBuyers Tax Analysis This is another uncommon program
that allows us to show you your current tax situation and fast-forwards to a side-by-side comparison with how it will change
with the purchase of a new home. The Move-up HomeBuyer Tax Analysis visually demonstrates the freed-up cash flow a move-up
buyer can discover hidden deeply within a 1040 and Schedule A. So often, people pay close attention to tax benefits when they
first buy a home, but almost no one gives any real thought to the increased tax benefits they might have at year-end in buying
a different home.

Credit Resource Corporation Yet another resource available to
our clients is the Credit Resource Corporation. The law requires more than just a form letter to verify that your credit report
is inaccurate. If your defense is provided properly, it is more difficult for the Credit Bureaus and Creditors to ignore your
demands. Credit Resource Corp. knows whats needed Under The Fair Credit Reporting Act and their Credit Improvement Program
can positively help you restructure your Credit Profile quickly. Only a Lawyers strategy can effectively assert your legal
rights and when it comes to repairing your credit and removing negative items, Credit Resource Corp. has Attorneys on staff
that have created an improvement program that not only help you restore your credit, but a program that will also teach you
how to re-establish and maintain a good credit rating.
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