What is covered
during our initial conversation with Michael?
During your initial consultation,
Michael will focus on the following topics:
Mortgage Evaluation (home
value and current mortgage position)
Complete Financial Review (where your assets are currently
allocated)
Overall Debt Evaluation (HBDR Assessment)
Discuss your financial goals and objectives
Start to define where you are currently at financially
and where you would like to be in the future
What
do I need to get started?
We will need you to gather all
your financial documents (click here to view our “Document
Request Form”. Then call Therese to schedule your
appointment. During your phone call with his assistant,
she will guide you through a standard 1003 form of basic
information (i.e., employment info, income, current address,
etc.)
This
is a lot of private information. How secure is my information
and who will be viewing my financials?
Our company follows a strict code
of conduct. All information submitted to Michael or his
assistant will be treated in the utmost confidential manner.
Should you decide to finance with us, our in-house processing
and underwriting departments further ensure protection
of your private information.
Why do you need my social security
number?
Michael will prepare a complete
financial plan for your meeting. In order to do so he
will need your social security number to pull your tri-merged
credit report.
Will you pull my credit? If so,
why and will it affect my credit scoring?
Yes, your credit report will be
pulled. We need a copy of your credit report on file so
that we know what you can qualify for and complete a financial
plan that fits you best. Your credit score will not be
affected negatively by a single credit pull. If you are
shopping for a mortgage or an auto loan (i.e., you are
having several companies pull your credit score within
a short period of time) your score may go down slightly
because of recent multiple inquiries. If you are uncomfortable
with having your credit pulled, please contact Michael
directly and he will be able to provide you with additional
information.
Why
do I need to disclose all of my personal information before
we even meet?
What we do is unique in the mortgage
industry…it is a new way to look at liability management
strategies. The only way that Michael can properly advise
you on the most efficient and profitable mortgage plan
is to truly know where you are at financially. Our goal
is to help you get where you would like to be.
Does providing all of my information
and coming in for a consultation commit me to doing business
with Strategic Equity and does it commit me to moving
forward with the plan?
Providing
the requested information in NO WAY commits you to anything.
We are not here to pressure or persuade your decision.
It is our desire to educate our clients to the extent
they become familiar with all their financial options
before making the decision to move forward.
Can you provide professional
referrals for the other financial services required
to fully implement this strategy?
Strategic Equity by Waterstone
Mortgage Corporation has an elite network of professionals
who we use personally and refer to our clients. All
of us work together towards the common goal of helping
you to Borrow Smart and Retire Wealthy. Within our team
we have a compilation of CPA’s, financial planners,
insurance specialists and Attorneys. Other industry
referrals are available upon request.
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