Selecting the right loan is a matter of balancing your resources, your goals and your tolerance for risk. There is no right answer for everyone - your individual situation should determine the solution, not what is being pushed by a particular bank or broker.

Here are some questions you can ask yourself that will help you define your needs:

• How long do I realistically expect to own my home?
• How much can I afford to pay each month?
• Do I want to maximize my monthly cash-flow?
• Is my income consistent or does it fluctuate?
• Am I more interested in accumulating wealth or reducing debt?
• How is my income likely to change in the coming years?
• What life changes do I expect that could make a big difference—for example an inheritance, a marriage, or retirement?
• What is my personal tolerance for the risk that interest rates may change in the years ahead?
• What opportunities do I have to invest my disposable income other than real estate?


The mortgage industry offers a diverse array of products to fit almost any situation. Matching your particular needs to the right type of loan is a big part of the value we offer to you.

We always welcome your call. When you have a simple question, when you want a personal consultation, or when you're ready to apply for new financing, please contact our office for friendly, impartial advice and information.




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