I’m often asked about what makes Four Legacies Mortgage and myself any different from our countless competitors.  The truth of the matter is, I don’t like the answer ‘our advice is better or more timely or that we are more professional than the rest’.  These things should be required to even be in consideration (even though they often aren’t really there). 

I would say the BIG thing that makes Four Legacies Mortgage different than anyone in our market, is that we will help you actively manage your mortgage EVEN after it is closed.  We do not generate transactions in our practice, we create long term relationships with our clients.  In the interest of not sounding too cheesy and sleazy, I want to be totally upfront – I’m still a regular guy.. I just happen to take my clients financial situation extremely seriously, much more than others in my profession.

So, if you’ve ever received a mortgage.. I’ve got a few questions for you:

1. Do you know the terms of your mortgage? (EXACT rate, length, fixed or adjustable, balance)
2. Do you know your credit score? … and most importantly, Do you have a gameplan to improve it?
3. Do you know what your home is currently valued at?
4. When was the last time you heard from the mortgage lender that financed your home?
5. Who do you call with questions in regards to your current mortgage?  Do you talk to someone you personally know?

I could keep going with questions, but I think my point is obvious here.  I don’t baby sit my car insurance policy. I also don’t sit on e-trade all day making stock trades.  I trust my team of carefully selected professionals to tell me if I need to change coverage or when to buy or sell stock.  Why is it that everyone thinks a mortgage is a do-it-yourself project?  I think it’s because most people don’t think they have a choice.  If they knew, why would they choose to watch mortgage backed securities (MBS) instead of enjoying their freetime?

Truth of the matter is, I spend a lot of my time studying the market and determining which direction it’s moving.  I lock ahead of rate increases and know when to recommend floating to take advantage of gains. I hint at the direction via Twitter, but I don’t give away the farm either.  Yea, it’s easy to say that we’ve done a good job – but check out our track record.  I really am enveloped in the mortgage business, I love what I do and I love helping my clients save money over time by implementing a mortgage plan that works.

If you or someone you know has a loan that has been abandoned, please let me know.  I’d be happy to step in and help manage it.  At Four Legacies Mortgage we believe mortgage management should be the standard to which other lenders are held, and we’re willing to work to show you why.  No, we don’t charge anything extra for our management services.  I’d love to help you and your family implement a mortgage plan that gets you where you want to be the fastest.

Just a few weeks ago, we had a dip in interest rates of about .5%.  Did you get a call?  My clients under active management that could benefit from the rate reduction did.  If you’re located in Iowa, and have a mortgage on your home, don’t wait until you miss the next big chance.  Let me get you under management today!