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 firstname.lastname@example.org NMLS ID 861176
Take a look at these case studies using Leverage to uncover and satisfy Clients needs.
*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
*They have no real savings pattern
*No emergency fund
*No Life Insurance
*College Funds 100 per month to spend.
*Uncovered- credit card debt, monthly payments, under insured
*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 $
*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
*More savings , Collage fund
*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 $..
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.
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
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!
Now’s the time to make the INVESTMENT and become your Clients
“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