Matters of Interest

As many as 65% of the individuals licensed as mortgage brokers or loan officers not required to have individual licenses entered the industry since 2001.

Many of these individuals originate less than 3 loans per month.

Many of these individuals have never had a mortgage of their own.

Most have no financial training beyond their licensure requirements and minimal continuing education requirements, which have little practical value. The vast amount of their practical experience has been gained On The Job- originating loans for consumers.

Consumers often are attracted be advertising of low rates with little disclosure, and handed off to one of these inexperienced, profit-motivated, inside sales people for the handling of what is typically the largest single obligation that an individual consumer makes.

Seek out Experience You Can Trust, For Your Best Interest. The Best Rate is the Lowest Rate on the Right Loan.

A reputable, skilled and experienced lender will match your income trend, fiscal risk tolerance, and your life timeline to the best solution.

Seek out a Certified Mortgage Planning Specialist / Certified Mortgage Consultant that will establish an integrated financial plan to enhance your cash-flow and savings goals, and who will disclose total loan cost over the life of the loan.

If the cost is the same or lower, work with a professional who is qualified to give you the best advice.

Michael Noel, CMPS, CMC, MBA

American Home Financial Services Corporation

http://www.flmtgplanner.com