Perception isn’t always reality

We live in a world where perception is reality and we all want it now.

Take five minutes to watch TV and you will see where companies are convincing consumers that a mortgage is as simple as one, two, three in five minutes on an app on their phone. While that may provide an instant decision, nine times out of 10, it’s not the real deal.

Consumers perceive this to be a benefit initially, but in the weeks to come they find themselves in situations where they no longer qualify, money is invested and or lost, or they are settling for a loan structure that is far different from what their initial decisions were made. This is a huge disservice to the consumer and our industry.

At the Holly Walther Team, we offer personalized home loan recommendations, great rates and superior communication and customer service.  Contact us today and welcome to the family.

Be Careful, Dr. Google!

I believe technology to be both a blessing and a curse.  While it provides the consumer access to information, it can also provide them the wrong information.  (Think what happens when you Google your symptoms, you become Dr. Google and think your headache is a brain tumor).

Not all situations are the same. 

A mortgage is the biggest financial decision most will make in a lifetime.  Clients need to ensure they are working with someone who appreciates this and is willing to take the time to understand their goals.  In society we are so programmed to focus on interest rate; while the rate is important, they need to consider so much more.

Payment– is it affordable and ideal for their situation.

Cash– are they leaving themselves ample reserve to protect themselves and family, as well for future improvements or repairs.

Tax– are they maximizing their tax savings, offsetting some of the payment costs?

Term– do they understand the term they are choosing and the long-term benefits? Is the term they are selecting preparing them to meet their retirement and goals towards financial freedom?

Investment– have all the above been reviewed and considered to maximize their long-term return?

We are prepared to discuss and help you consider the above issues and more when choosing the best mortgage product. Contact Holly and team at 404-436-0013 or hollyw@hollywaltherteam.com.