Mortgage Planning

The fact is, Americans devote the largest portion of their incomes to housing. Consequently, how you handle the financing of your home will have far-reaching implications on virtually every area of your financial life, including your ability to save, pay for college, and plan for your retirement.

The mortgage planning process isn’t about wasting your valuable time trying to save $20 per month. Mortgage planning is about integrating your mortgage into your overall long- and short-term financial goals. Your mortgage is one of the most powerful financial tools that you have at your disposal. The way you manage your equity, the way you manage your mortgage, is crucial.

Unfortunately, the vast majority of those financing their homes miss the big picture. Most people focus on a small part of the mortgage equation: the interest rate. The interest rate is only one part of the mortgage equation. The fact is that the interest rate you are paying isn’t the real problem, the real problem is the volume of interest that you are paying.

Southern Financial Group educates home owners on what we call wealth transfers. This is money that you are losing unknowingly and unnecessarily. The largest transfer of wealth (other than taxes) that anyone will ever encounter is the mortgage associated with the purchase of their home. Mortgages have enabled millions of home owners to achieve the “American Dream.” The mortgage is also the most misunderstood financial instrument.

At Southern Financial Group, we educate home owners on prudent home equity management concepts. How you manage your mortgage matters. There are many equity management concepts and strategies that are outside the box of most people’s knowledge. When something comes along that’s outside your box of knowledge, you can choose to ignore it, or get a bigger box!

Southern Financial Group educates and helps home owners to implement various mortgage planning strategies. We can’t say it enough: How you manage your mortgage matters.

Has it hit you yet? Do you see why focusing on saving $15 a month is missing the big picture? Remember, a great rate on the wrong mortgage strategy can literally be a $400,000 mistake! If you really grasp this, it will change your line of thinking next time you take out a mortgage.

Too many people focus solely on managing their assets. Few understand the power of managing their largest debt, their mortgage. Managing your assets without managing your liabilities is like heating and cooling your home with the windows wide open!

Before you refinance or purchase your next home, be sure to consult with an experienced mortgage planner.

Find out how to stop transferring your money away to the financial institutions. We specialize in identifying unnecessary wealth transfers most people experience due to poor mortgage planning. What you thought to be true about mortgages, may not be….

Contact us today to schedule your consultation with a Southern Financial Group advisor.