Applying for a Second Mortgage

Read on... OR for straight advice about YOUR mortgage issues,
CONTACT My Mortgage PHD directly!

Larry Rogers is genuinely interested in an educated and informed mortgage consumer!  He wants to educate you before, during, and after the mortgage process in order to make sure YOU understand exactly what the best options are for you, and help you plan into the future.

Second mortgages, refinancing, and the like are NEVER as simple as some brokers may make them seem.  Playing with your home equity for ANY purpose (paying down bills, investment cash, emergency funds, etc) is a decision which MUST be made by an informed individual and requires you to start by answering 2 questions:

What are my circumstances, and what are my goals???

An informed home mortgage customer MUST consider these issues:

How long am I planning on staying in the home?

Is it a “starter house” (you and your family plan to stay for a few years & move)?

Is it an “interim home” (your kids are going to college soon & you plan to downsize… OR you are planning on having more kids and will need a larger space in a few years)?

Is this house “the one” (you plan to lay down roots in this home and the local community to raise your family)?

What’s the best way to utilize my home for my specific financial goals?

Do you view your home as just a place to live, and paying it off ASAP your goal?

Do you want to use your home to pay off your kids’ student loans?

Do you want to use your home to get rid of all your other debts and financial obligations?

Do you want to use your home as a source of investment dollars to purchase, for example, a retirement dream home?

You NEED to answer these questions BEFORE choosing the BEST mortgage loan option for your future.

Home mortgage loans, especially those that involve your hard-earned equity are NOT “one-size-fits-all”.  Larry will serve as your personal “custom mortgage tailor”, assuring that your decision (and loan) fits your circumstances and goals perfectly.

“All you need to do is call or email me if you want some sound advice.” says Larry,   “Get a good idea on what is involved before giving up your personal information to some unknown banking entity!”

*For straight talk about YOUR mortgage issues,
CONTACT My Mortgage PHD directly!

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