Tag Archives: Mortgages

Leverage Programs Available!

What if  your client needed to take a early retirement and  the social security benefits will not give them enough monthly income. If only they could wait a little longer. The solution? A Reverse Mortgage could be the answer. Click on the link and take a look.

http://wi.tfsweb.com/mortgage/socialsecuritydefexp.pdf

 

Richard E. Widmer VP-New Business Development
(732) 758-9300 x116 rwidmer@tfsweb.com NMLS ID 861176

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Leverage Programs Available!

If you have a Client that owns or is looking to own, TFS Mortgage has the experience and expertise to assist you with a program that will give you the opportunity to not only help them reach their financial goals, but open up other opportunities that may not have been possible.

Take a look at a few programs that are available on the market today.

Conforming FHLMC/FMMA Loans–  Refinance, Cash out, Purchase with as little as 5% Down Payment

Jumbo Loans– High loan amounts

FHA/VA USDA– All government loans, Purchase, Refinance Cash Out with as little as Zero Down Payment.

Harp Programs– When Client owes more than the home is worth.

Construction Loans– From home improvements to building a new home.

Reverse Mortgages– Purchase or Refinance with 3 cash options for Clients 62 or older.

Commercial Lending– non residential properties, purchase or refinance

Asset Based Lending/ Stated Income for non- owner occupied homes/ Foreign Nationals

The list goes on…. Don’t loose any opportunities for your clients

when home ownership is available or wanted. Contact me with questions.

Richard E. Widmer VP-New Business Development
(732) 758-9300 x116 rwidmer@tfsweb.com NMLS ID 861176

Take a look at these case studies using Leverage to uncover and satisfy Clients needs.

Case One

*Tom and Lisa are  Married with two kids ages 3 and 5
*Home Owners for the past 10 years
*Mortgage 350k Value is 500k
*10k in credit card debt
*Car payments
*They have no real savings pattern
*No emergency fund
*No Life Insurance
Goal:
*College Funds 100 per month to spend.
*Uncovered- credit card debt, monthly payments, under insured

 

Solution

*Refinance for cash out.
*Lowering their payments, increasing their cash flow each month by $400
*Putting 5k into an emergency fund
*Opening two college fund accounts that are funded with the savings from the credit cards
*Obtain Life Insurance Polices
*Potential Mortgage Commission – $ contact me to discuss
*Potential Ins, Investment Commission $

 

Case Two

*Peter and Mary, married, 3 kids under 10
*Client called to cash in stocks
*Home under valued rate @ 6%
*Owes 400k Value 350k
*Just keeping above water
Goal:
*More savings , Collage fund

 

Solution:

*Clients Qualify for Harp 2.0 Refinance
*Lowers Rate and saves over $300 lowing rate by 1.5%
*Start College Funds
*More Life Insurance
*Surplus each month
*Potential Mortgage commission $ Contact me to discuss
*Potential Ins, Investment commission $..

 

Case Three:

Clients, both 62 years old, have a retirement portfolio totaling $500,000 which runs the risk of being depleted in 18 years; despite a financial plan that includes Social Security income and owning a home valued at $600,000.

Solution:

Using a HECM (Reverse Mortgage) loan with a tenure disbursement,  the clients paid off their existing mortgage and improved their monthly cash flow with supplemental tax-free cash. Now the
clients have sufficient assets and income to stretch their retirement assets
through ages 89

Reverse

 

These are just a few ways to help your clients reach their overall Financial Goals.

Convinced Yet??  “LEVERAGE = OPPORTUNITY”  Contact me to discuss how TFS Mortgage can help you reach your Clients Goals!

 

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Mortgage equals Leverage Opportunity – Not Rate!

 

Take a look at these case studies using Leverage to uncover and satisfy Clients needs.

Case One

*Tom and Lisa are  Married with two kids ages 3 and 5
*Home Owners for the past 10 years
*Mortgage 350k Value is 500k
*10k in credit card debt
*Car payments
*They have no real savings pattern
*No emergency fund
*No Life Insurance
Goal:
*College Funds 100 per month to spend.
*Uncovered- credit card debt, monthly payments, under insured

 

Solution

*Refinance for cash out.
*Lowering their payments, increasing their cash flow each month by $400
*Putting 5k into an emergency fund
*Opening two college fund accounts that are funded with the savings from the credit cards
*Obtain Life Insurance Polices
*Potential Mortgage Commission – $ contact me to discuss
*Potential Ins, Investment Commission $

 

Case Two

*Peter and Mary, married, 3 kids under 10
*Client called to cash in stocks
*Home under valued rate @ 6%
*Owes 400k Value 350k
*Just keeping above water
Goal:
*More savings , Collage fund

 

Solution:

*Clients Qualify for Harp 2.0 Refinance
*Lowers Rate and saves over $300 lowing rate by 1.5%
*Start College Funds
*More Life Insurance
*Surplus each month
*Potential Mortgage commission $ Contact me to discuss
*Potential Ins, Investment commission $..

 

Case Three:

Clients, both 62 years old, have a retirement portfolio totaling $500,000 which runs the risk of being depleted in 18 years; despite a financial plan that includes Social Security income and owning a home valued at $600,000.

Solution:

Using a HECM (Reverse Mortgage) loan with a tenure disbursement,  the clients paid off their existing mortgage and improved their monthly cash flow with supplemental tax-free cash. Now the
clients have sufficient assets and income to stretch their retirement assets
through ages 89

Reverse

 

These are just a few ways to help your clients reach their overall Financial Goals.

Convinced Yet??  “LEVERAGE = OPPORTUNITY”  Contact me to discuss how TFS Mortgage can help you reach your Clients Goals!

 

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Access home equity to help complete your client’s retirement plan.

 ReverseMortgageWidmer_001TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-300 ext. 116

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Why TFS Mortgage Corporation Inc.?

tfs-mortgage

Why TFS Mortgage Corporation Inc.?

With Consumer Confidence down due to the current Mortgage Conditions,Your client is looking more than ever for guyholdingcardyou to guide them with one of their biggest Investment Decisions.

Bigger is not better!

Being a Broker allows us to deliver competitive
rates and Superior
Service the big Banks and our Competition cant Deliver! If you are not offering Mortgages to your clients, Take a look below and let’s get you started…

Continue reading

Why TFS Mortgage Corporation Inc.?

tfs-mortgage

Why TFS Mortgage Corporation Inc.?

With Consumer Confidence down due to the current Mortgage Conditions,Your client is looking more than ever for guyholdingcardyou to guide them with one of their biggest Investment Decisions.

Bigger is not better!

Being a Broker allows us to deliver competitive
rates and Superior
Service the big Banks and our Competition cant Deliver! If you are not offering Mortgages to your clients, Take a look below and let’s get you started…

Continue reading

Mortgage Website is Updated

TFS Mortgage on the Web Is Updated & Open for Business!!

At www.tfsweb.com > MortgagesYou can see the following:

Mortgage Case Status-> Your Clients listed and Status

Calculators-> For Professional Proposals to present to your Clients and a Quick Hypothetical Mortgage Calculator.

TFS Promotions->Current Incentives.

Express Programs-> Decide which way is best for you.

New & Events– > Stay Current with “TFS Mortgage News”

Compensation-> Learn How to Earn More.

Mortgage Forms-> All you need to get started.

Reference Library-> Missed an Event?  Presentation PowerPoint’s are available, Customizable Marketing Fliers, Helpful Tools will advise if your clients Zero Equity Home is eligible to be refinanced. Hot Products and Programs – Coming Soon!!

Realizing the challenges with your busy schedules TFS Mortgage is committed to deliver all the tools and information you need to be your Clients “Trusted Mortgage Advisor” and the New Improved Mortgage Resource Center will be updated and current to assist you when your time is limited.

For More Information Contact: Richard Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker: NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ 07738(732) 758-9300 FAX (732) 758-9418