The explosion in the number and variety of mortgage instruments in recent decades – fixed- and adjustable-rate loans being the best known – now allows a knowledgeable lending agent to offer terms that are virtually custom-tailored to the needs of a specific borrower. While the basic 30-year fixed-rate mortgage remains the most popular type of loan, the growth in alternative instruments has given rise to a new class of professionals who can help you best manage your financial future.

Today’s mortgage consultant is far more than a bank agent or anonymous broker on the phone; he or she is an expert in the full spectrum of mortgages available. Most importantly, the mortgage consultant’s interest in your account extends well beyond the fee earned on a single loan transaction. Why? Because to properly manage the equity in your home, you will need a bi-annual mortgage “check-up” – an on-going series of regular reviews to determine whether and when to extract any accumulated equity in your home for the purpose of investing it in more lucrative, liquid, and secure funds managed by a reputable financial planner.

This is the crucial first step in unlocking the earning potential of your property: “equity separation.” Your critical partners in this approach are: a mortgage consultant to guide you through the process of regularly “mining” the cash that accumulates in your home; a trusted financial expert to safeguard it in conservative, interest-bearing funds; and an accountant to monitor your overall financial portfolio so you can realize the greatest tax savings on your new earnings. I specialize in helping clients incorporate their mortgage into their financial plan.  Give me a call to get started today! (302) 703-0727.

If you would like to apply for a Delaware Home Loan, you can APPLY ONLINE HERE, you can call John R. Thomas at 302-703-0727.

John R. Thomas – NMLS 38783

Certified Mortgage Planner – Primary Residential Mortgage, Inc.

302-703-0727 DE Office / 610-906-3109 PA Office / 410-412-3319 MD Office

248 E Chestnut Hill Rd, Newark, DE 19713