Client"Dreams & Goals"

Client Email *

Good morning/Good Afternoon, Mr. Client. It's great to meet you. Thank you for taking the time to meet with me. I'm looking forward to know getting to know you and your goals.

Who referred you/How did you hear about me?

Compliment the referral source and validate the client's choice.

How did you meet the him/her?

Great. Today's meeting should take about 25 minutes or so.

We have a very simple process to create clear mortgage plan.

I am hyper-focused on helping clients before, during, and, most importantly, after the transaction because that's when you often have the most questions.

I want to become a successful homeowner and grow you and your family's wealth. It takes planning and strategy before, during and after the transaction.

Did you see the email with that asked you complete the "All About You" online form? We use the survey to help us better serve you.

No worries.

The first step is I will ask you some questions, many of which relate to application and qualifying for a mortgage.

Some questions won’t have anything to do with qualifying but everything to do with how we help you to set up the deal structure.

Before I ask my questions, I want to answer any questions or concerns you might have...

Client's Initial Questions & Concerns:

What’s your biggest fear about buying your home?

Initial Questions:

Why do you want to buy a home?

Why now?

Where do you want to buy?

What is your time to do this?

What type of property do you want to buy?

Will anybody else be on the loan or on title to the house?

Income

What type of work do you?

Are you paid hourly, salary, or self-employed?

What is you annual income?

Are there any employment gaps in the last two years?

Receive Bonus/Commission/Hourly income?

Do you have any other sources of Income?

How many years have you been at your current job?

Credit/Assets

Revolving. Installment. Spousal or child support. Union Dues.

How much have you set aside for down payment and closing costs?

Are the funds liquid?

Do you plan on receiving any gift funds?

Financial Team

Tax Planner

Financial Planner

Estate Planner

Insurance Planner

Do you have any future real estate goals?

Ok that's great.

For the next step, I will send a link to the mortgage portal which will allow you to complete your application and upload your documentation securely.

While you are working on that, I will prepare your initial mortgage plan.

Your plan will compare multiple options that include price, down payment, total investment, monthly payments, projected appreciation/net worth, and possible tax advantages.

We will look at the advantages and disadvantages of each option based upon the time horizon you plan to hold onto you next home.

We will also review the home buying process, mortgage process, the mortgage market, the real estate market and how to structure a successful offer, and our post close strategy.

I have just emailed the link. Once you submit the application, the system will ask you again to complete the "All About You" online form again. Please try to complete it.

Ok, so that's all I have for now. Do you have any questions of me?

If you do have questions before our next meeting, please don't hesitate to reach out. I am excited to help you. Thanks for your time.