Our philosophy is to provide a service that goes above and beyond what you would expect from a mortgage loan company. Finding the best rates for you and staying on track for on-time closings is absolutely a priority. Beyond that, our in-depth consultation allows us to review your stage of life to consider any and all aspects that could affect your short-term and long-term financial plans. There are thousands of home mortgage loan programs available to consumers today. Our team is committed toward helping you understand the impact of each loan on your personal financial situation.
Our expert team will guide you toward decisions to save money on taxes, lower your mortgage payments, and consolidate your debt. We’ll also take the time to discuss a variety of other scenarios that should play into which loan program is selected to meet your needs.
Here are some examples of the types of things we discuss with our clients during their in-depth consultation.
How does my planned retirement date affect my decision?
Some homeowners prefer to have their homes paid off by the time they retire. If you’re planning ahead and will be on a fixed income, it’s important to discuss these scenarios before making a decision on a home mortgage loan.
What if I have a change in my job role or begin working for another company while I’m shopping for a home, or planning for a future home purchase?
If a decision like this impacts your salary, it’s important to understand how this impacts the amount of a loan you are qualified to obtain after underwriter review. Underwriters review a 2 year rolling history and use those numbers to make calculations. In addition, if you run a small business, there are other factors that come into play. An in-depth discussion will position you with the best options.
Here’s what you can expect from our consultation process:
- We listen before acting. It’s important to know your stage-of-life, financial goals for retirement, college plans for your children, debt management, and other life circumstances that impact your financial future.
- We then assess to conduct research and determine the best financial loan to meet your goals.
- Finally, we’ll review & advise. Our loan recommendations will take everything into consideration regarding your personalized loan experience.
At The Gray Buffington Team, we believe it is important to deliver quality service, beyond what you’d expect from a mortgage lender. You have many choices where to set up your mortgage lending, and we strive to ensure delivery of the best rates and mortgage plan for each and every one of our clients.