Your Local Michigan Mortgage Specialists

Jonathan’s Journal: November 2016

November 1st, 2016 by Inlanta Staff


You’re Invited:
Client Appreciation Event, Nov. 17th 4:30-7:30PM
Rockwell Republic, 45 S Division Ave, Grand Rapids, MI 49503


I hope you have been enjoying the fall season, your families, and your homes! If you are anything like me this is the time of year when you make sure you have completed all those dreaded annual “check-ups”.

Just like most people when I hear the phrase “checkup”, my “I don’t want to do that” sensors immediately start to go off. The term “checkup” is innocent enough but it can be associated with varying levels of pain, discomfort and scariest of all: the unknown! Of course for me anyways these feelings and associations all happen in the blink of an eye, subconsciously. As a parent of two, it certainly is my job to help my children understand the benefits of getting a checkup and to help them overcome the fear, the uncomfortableness and the potential pain of the dreaded exam. So, in that parental spirit and without further ado, here are my five reasons why doing a mortgage checkup is less painful than a medical checkup and something every homeowner should have on their annual to-do list:

1. Convenience
Scheduling a doctor’s appointment can sometimes be quite the production. Arranging schedules, taking off work and having to drive across town can be a headache. When you get your mortgage checkup, you can do it from the convenience of your own home, be in your favorite bathrobe or slippers watching your favorite reruns of SNL or Seinfeld, with your cat or dog snuggled on your lap. Some people prefer a face-to-face meeting, but generally, most of our clients would rather start with a conversation over the phone that usually takes no longer than a half hour.

2. Minimal preparation
Let’s be honest, you will be hard-pressed to find one loan officer anywhere in the country that will require you to “fast” prior to getting your mortgage checkup. You may want to have a pay stub handy, a recent mortgage statement and maybe your tax returns if your income is more complex; however for the initial
conversation, most of the information is available right off the top of your head. So go ahead indulge in that pumpkin spice latte and grab that breakfast sandwich; getting a mortgage checkup will not require you to “fast” for 12 hours in advance of your appointment!

3. Painless
A mortgage checkup is virtually painless! You won’t have to bend over and cough, be stuck with needles or subjected to any other types of physical invasions of your personal space!

4. The Results can enrich you
At the end of a mortgage checkup, you may find out that you can eliminate your PMI, drop your interest rate, reduce your loan term and retire sooner, reduce your monthly payment, qualify for the purchase of an investment property or that you are in great shape already! Unlike being told you have high cholesterol and need to lose weight, a cavity that needs to be filled, a mole that needs checking into or additional test that needs to be done, the results from a mortgage checkup will only help you save money, improve your credit scores and confirm that you’re on the right track financially!

5. Peace of Mind
Knowing that you’re in good shape on your mortgage, nothing is reporting erroneously on your credit and that you’re in the lowest interest rate possible is most important. But, also that you’re tracking to have your loan paid off on target and that your mortgage is working for you will help you sleep better at night,
giving you the peace of mind we are all looking for!

Let me know when we can schedule your checkup and don’t forget to RSVP for our Appreciation Event!


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