Services/Programs - Mortgages

Choosing the best loan program
As consumers we have learned to shop for a mortgage by asking “What’s your lowest rate?” or even better “How much are your closing costs?”

Any loan officer who appears to have the ability to answer those questions upfront without learning your short and long-term financial goals does not have YOUR best interest at heart.  They are just a typical industry loan officer and will offer you the program that PAYS THEM THE MOST, not the program that BENEFITS YOU THE MOST.  Sometimes, the MOST BENEFICIAL PROGRAM FOR YOU may not be the one with the “lowest interest rate” or the “lowest closing cost”.  The MOST BENEFICIAL PROGRAM FOR YOU will be the one that achieves your short and long term financial objectives.

Viva Advisor Group™ loan officers are true advisors and as such they want to know what you desire to accomplish (Beyond home ownership) so that they can truly develop a short and long-term plan for you that will accomplish your life long dreams, including early and fulfilling retirement not relying on Social Security, building a good life fund, paying for your children’s college education, developing strong credit and investing in high return real estate.

A mortgage can be tailored to help you accomplish those objectives.  Your home should not be your only investment but a part of your overall diversified financial strategy.
There isn't a single or simple answer to the question of rate or closing costs. The right type of mortgage FOR YOU depends on many different factors:

• Your current personal financial condition
• Your short-term (1-3 years) and long-term (5-15 years) goals and objectives
• How you expect your finances to change
• How long you intend to keep your house
• How comfortable you are with your mortgage payment changing
• The amount of loan versus the value of your home
• Your debt ratios - ability to prove you are capable of repaying the new mortgage in a timely fashion
• Your credit history reporting on a credit bureau

The best way to find the "right" answer is to discuss your finances, your plans and financial goals, and your preferences frankly with a mortgage advisor at Viva Advisor Group™. 
NOTE:  Although your consultation is FREE and Viva Advisor Group™ loan officers do not charge for developing your financial plan, (this may be shocking to you) they do expect to get paid for their service. Our advisors receive the same compensation as most brokers do but unlike those other brokers, they will assist you in achieving your financial goals.