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Make Your Home Equity Work for You

Take Advantage of Historic Low Rates

Create Generational Wealth

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The Federal Reserve interest rate is historically low, and the US Treasury keeps on pumping cheap money into the financial system due to the recent pandemic and global financial crisis. As you may know, Wall St. is cashing out on this opportunity. Even though the Main St (average folks) are suffering, Wall St. keeps on shattering record closing numbers.

This presents a unique opportunity for average folks to take advantage of the situation. Let us show you how to secure your financial future and create generational wealth.

 

MORTGAGE REFINANCE, SAVINGS, & INVESTMENT PROGRAM

If you own a home with positive equity, you can make your equity work for you. Rates are historically low; that gives you an edge. You can refinance your mortgage, pay off your high interest, non-tax-deductible debts (Credit Cards, Auto Loans, etc.) to create monthly savings. We have been helping clients save anywhere from hundreds of dollars to thousands. However, that is not enough; we, in turn, show you how to invest that savings and pay off your mortgage and other debts in under nine years, accumulate savings for retirement with a fail-safe option for your family in case the worst happens (death).

Low-Rate Mortgage Refinance Benefits

Finally, some good news in 2020-2021. Refinance rates are at a historic low. Rates on a 30-year fixed mortgage recently hit 2.26% APR. If there were ever a good time to see if you could lower your monthly payment, it would be now. Experts say rates could rise by 30% over the next few years, so now is the time to act.
 

· The home mortgage interest deduction (HMID) allows homeowners to deduct mortgage interest paid on up to $750,000 worth of their loan principal.
 

· Our investment options provide a flexible, tax advantage savings for retirement and paying off your debts in 9 years and under without spending any more money.

Investment Strategy

Essentially you are leveraging your home equity to borrow at a lower rate and earning a higher rate of tax-advantageous return to pay off your debts (including the mortgage).
 

The goal is:

1. Use the cash accumulation of your investment to pay off your mortgage and other debts in under 9 years.

2. Build up your retirement savings: guaranteed tax-advantageous retirement income.

3. Have a fail-safe option; if you die, your family gets a lump sum of money.
 

 

We are a national mortgage broker; we work with 40+ wholesale lenders (banks, credit unions, private lenders, & partners).
 

We shop to get you the best deal. We even bargain with the lenders for you after receiving their initial offer. This way, we ensure the best rate & term.

Financing Options

  • Traditional (Banks, Credit-Unions, Wholesale Lenders, Private Lenders, Institutional Lenders, Other)
     

  • Specialty & Alternative: This option is for clients with bad credit / no credit (bankruptcy, repossession, foreclosure, etc.) or hard to prove income. Lending is based on collateral (real-estate), not your credit score.

Why Us?

  • As a national broker, we shop thousands of loan options finding you the best rate and term.

  • We offer upfront pricing: no broker fees, origination fees, and other junk fees.

  • As a broker, we do a single credit pull and use that to shop with lenders. It prevents multiple credits pulls that negatively affect your credit.

  • Wide range of products: Conventional, FHA, VA, USDA, CHFA, First Time Buyer, & Private Lender Programs.

  • Low & No Down Payment Options.

  • High Loan Amount Financing.

  • Low FICO, Previous Bankruptcy, Stated Income, Bank Statement, Self-Employed, and other Non-Traditional programs available.

  • Funding as fast as 7-10 days.

  • Competitive pricing: 98% of the time, we beat our competitors in pricing.

  • We specialize in assisting minority and other underrepresented communities.

  • Our promise to our clients is that we always do what's best for you regardless of compensation. We are in the business of securing you and your family's financial future and build a lifetime of the partnership.

 

NEW HOME PURCHASE, SAVINGS, & INVESTMENT PROGRAM

Homeownership is the American dream. Not only it builds healthier communities, but homeownership also provides wealth accumulation and a key to creating generational wealth.

Financial Benefits of Home Ownership

  • Attractive Long-Term Investment

  • Building Equity

  • Capital Gains Exclusion

  • Tax Deductions

  • High Upfront Costs

  • Liquidity

  • Pride and Financial Responsibilities

New Home Purchase Investment Benefits

  • Mortgage rates are at a historic low. Rates on a 30-year fixed mortgage recently hit 2.26% APR. If there were ever a good time to buy a house, it would be now. Experts say rates could rise by 30% next year, so now is the time to act.

  • The home mortgage interest deduction (HMID) allows homeowners to deduct mortgage interest paid on up to $750,000 worth of their loan principal.

Strategy

After you have purchased your home, we set up an investment plan to:

  • Pay your mortgage in under 10 years.

  • Build up your retirement savings: guaranteed tax-advantageous retirement income.

  • Provide a fail-safe for your family in case of death with a lump sum option.

Financing Options

  • Traditional (Banks, Credit-Unions, Wholesale Lenders, Private Lenders, Institutional Lenders, Other)

  • Specialty & Alternative: This option is for clients with bad credit / no credit (bankruptcy, repossession, foreclosure, etc.) or hard to prove income. Lending is based on collateral (real-estate), not your credit score.

Why Us?

We offer annuity products nationally (all 50 states). Locally in Colorado (all counties).

 

INVESTMENT PROPERTY MORTGAGE, SAVINGS, & INVESTMENT PROGRAM

Investment in investment properties offers a safe way to invest money. It is a sound strategy to create generational wealth. Research shows that homeownership among millennials is lower than their parents, which indicates a healthy future for the rental market.

Financial Benefits of Investment Properties

  • Full Control: You Control Your Investment

  • Cash Flow

  • Low Risk and Return on Investment (ROI)

  • Tax Benefits & Deductions

  • Hedge Against Inflation

Investment Income Property Benefits, & Strategy

  • Mortgage rates are historically low. You can take advantage of this by refinancing your current home to cash out for the investment property. Since the mortgage rates are low, you get an attractive rate on the investment property as well.

  • You can take deductions like Property Tax, Insurance, Mortgage Interest, Management Fee, etc.

  • We set up an investment plan to pay off your investment property in under ten years. (There are scenarios where it's not tax-advantageous to pay off investment properties early)

Financing Options

  • Traditional (Banks, Credit-Unions, Wholesale Lenders, Private Lenders, Institutional Lenders, Other)

  • Specialty & Alternative: This option is for clients with bad credit / no credit (bankruptcy, repossession, foreclosure, etc.) or hard to prove income. Lending is based on collateral (real-estate), not your credit score.

Why Us?

 

COMMERCIAL REAL-ESTATE FINANCING & INVESTMENT PROGRAM

We offer competitive, easy financing solutions for commercial real estate.
 

We nationally offer the following types of commercial real estate financing:
 

Acquisition Loans: Purchase of commercial real estate (including construction loans)
 

Bridge Loans: We offer both commercial bridge loans and real estate bridge loans. Developers, real estate investors, and other commercial borrowers in several different circumstances, including Refinance (pay off) an expiring term balloon loan, position the property for a permanent loan with terms more favorable to the borrower, use commercial bridge loans.
 

Refinance Loans: If you own commercial real estate and would like to take advantage of the historically low-interest rate with a rate and term or cash-out refinance, this financing option is for you.

Financing Options

  • Traditional (Banks, Credit-Unions, Wholesale Lenders, Private Lenders, Institutional Lenders, Other)

  • Specialty & Alternative: This option is for businesses that can't prove income or with no/bad credit. Financing is done based on the asset, not based on credit.

  • SBA Financing: SBA 504 (suitable for commercial real estate loans of $350,000 and above), SBA 7(a), and SBA Express programs generally provide you with lower down payments and longer financing terms.

Why Us?

  • We are a national broker; we shop thousands of loan options finding you the best rate and term. We work with over 45 wholesale and specialty lenders.

  • We offer upfront pricing: no broker fees, origination fees, and other junk fees.

  • We offer upfront competitive pricing. 98% of the time we can meet or beat our competition.

  • Wide range of products: Traditional & non-traditional Programs.

  • Low & No Down Payment Options.

  • High Loan Amount Financing.

  • Low FICO, Previous Bankruptcy, Stated Income, Bank Statement, Self-Employed, and other Non-Traditional programs available.

  • Funding as fast as 7-10 days.

  • We specialize in working with minority and other underrepresented business owners.

  • Our promise to our clients is that we always do what's best for you regardless of compensation. We are in the business of building a long-term partnership

OTHER RETIREMENT, INVESTMENT & SAVINGS PRODUCTS

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Disclaimer: Plan requirements, qualifications, restrictions, and availability apply. Please speak with a licensed agent for details. Call Us (720) 744-0065
 

We offer investment & savings programs nationally – local Colorado market (all counties)

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