Ready:
• Review financial credit goals
• Review credit
• Review credit scores
• Review cash flow
• Review available assets
• Set your goals in motion
Set:
• Discuss different mortgage programs
• Decide on your targeted interest rate
• Get a value check on your home value
• Sit back and enjoy life
Go:
• Your targeted interest is on the horizon
• Loan file submitted to underwriter and approved
• Sign final documents
• New loan with your targeted interest rate

The Mortgage Watch part of my Ready, Set, Go Program provides you a plan of action of when it is the right time for you to refinance your home mortgage. Your questions and concerns will all be answered in understandable terms giving you the assurance and peace of mind that you have the right to expect.

Ready is the planning process of the program. We review your overall financial credit goals. We go through your credit report, do a blended interest rate of all of your debt including mortgages, credit cards, and car payments to make sure you are saving money on your overall interest rates. An estimated value of your home is checked to determine your equity position in your home. If your credit score needs to be increased, we set that into motion. By reviewing all of this information, you will know where you stand in your overall debt structure and your overall cash flow.

Set is the second part of the process. We decide on your targeted interest rate for your financial needs and goals. Once we decide this, you get to sit back and relax. From this point, I take over. I watch the market for you. You will get monthly calls from me telling you what the market is doing and where the interest rates are according to your financial situation and goals. We will also discuss if there are any changes in your overall financial picture, credit history, cash flow, and just as important, any other life changing events. Life changing events are career changes, family changes, or financial changes. This call should take no more than five minutes.

Go is the last part of the Ready, Set, and Go Mortgage Program. Since I’ve been watching the rates for you, you will be ready to take advantage of your targeted interest rate. Interest rates over the last year have been up and [BT1] down and sometimes only for a day, sometimes two, and often times, they are in line just in the morning but deteriorate by late morning. The homeowner who doesn’t know what their target interest rate is could potentially refinance into a rate or loan program that isn’t right for their overall goals. So this is when you get a call from me telling you that your targeted interest rate has been reached and if you want to refinance, it is time to lock and finish the refinance process.

This Ready, Set and Go Mortgage Program allows you to be in the driver’s seat with your biggest debt, your mortgage. And the best part, the Ready and set is free to you. And the Go is as well as until your loan closes.

And once, you have closed your new loan, you are automatically put back into the Mortgage Watch of my Ready, Set, Go Program.