Client Advisory Team

Client Advisory Team

Financial Advisors

A mortgage is a huge piece of each homeowner’s overall financial puzzle, and one Real Estate transaction can cost you your best client. We’ve all heard the story: "My client went out Real Estate agent who introduced them to a mortgage banker at…" (i.e. Bank of America, JP Morgan Chase, etc…). "Their mortgage guy told my client that he could drop their rate by .5% if he moved his portfolio over to his company." Big bank financial planners use mortgage rates as the trojan horse to steal your clients. We’ll help you take control of your clients real estate transactions so you can ward off these threats.

When it comes to making the best decision for your client, clear communication between the lender and financial advisor can ensure that the client is getting the most out of their finances. Not only does MPH Home Loans take on an advisory role throughout the loan process, but we provide clients with an annual post-closing financial review. We work alongside the client’s financial advisor to find the best strategies to fit the mortgage into their financial plans. This means we can help each client preserve their assets in a way that makes sense for their unique and evolving life circumstances.

CPAs

One of the most heartbreaking moments for a homebuyer is when they find out they don’t qualify for their dream home. Often times, the difference between qualifying and not qualifying comes down to a few thousand dollars in net income.

Simply asking your clients whether or not they plan on purchasing a home in this current tax year could give you the opportunity to discuss an alternative tax plan that considers their "qualifying" income as opposed to paying the least amount in taxes.

Having a CMPS®️ certified mortgage advisor that can quickly review a set of draft tax returns and calculate how large of a mortgage that client can qualify for can make a world of difference to help your client fulfill their overall life goals. After that review you can discuss different tax strategies to help that customer obtain the financing necessary to purchase their home.

CPAs

Real Estate Professionals

Real Estate Professionals

Strong teamwork between a lender and real estate professional can make or break a deal. We don’t simply promise a topnotch experience from start to end of the loan, but rather a lifelong client advisory experience. We offer a variety of loan programs, including several non-QM options, and also offer various additional client services, including a cash offer program from our venture capital partner, to boost your buyers’ odds of winning an offer on their dream home. On top of that, we also offer a free annual mortgage review, to make sure they are always in the BEST possible situation as their life plan evolves.

Insurance Agents - Life and P&C

The vast majority of Americans’ assets are either uninsured or underinsured. We recognize how critical of a problem that can cause when it comes to asset preservation. Whether it be life insurance, or their property and casualty insurance, it’s important to make sure each client is in good hands. Each time we take on a new client, we ask to make sure they’re properly insured, and if they’re not, we’ll refer them to a trusted insurance provider in order to protect their most valuable assets.

Insurance Agents - Life and P&C

Estate Planning Attorneys

Estate Planning Attorneys

What many mortgage advisors fail to realize, is the power a relationship between an advisor and estate planning attorney holds for their clients’ overall life plans. Mortgage advisors see the property vesting, how financial assets are held, and the number of dependents each client has. This means we’re in the perfect position to help our clients to connect with a knowledgeable estate planning attorney to help them protect the assets they’ve worked so hard to create.

Additionally by working together, we can prevent one of the biggest problems that can arise when a client is applying for a mortgage: that they move their property out of a trust in order to secure a lower interest rate. A knowledgeable mortgage advisor will be able to step in and let the client know that they should never remove the house from a trust- by using mortgage products that don’t require the trust to be removed. By partnering with a CMPS® certified mortgage advisor, estate planning attorneys can rest at ease knowing that their client’s assets are being protected, not only by yourself, but also throughout their mortgage process.

Divorce Attorneys

Approximately 70% of Americans get a divorce, and each divorce has the potential to create two new mortgage opportunities. One spouse possibly being refinanced off the deed and one spouse possibly purchasing a new home. As mortgage advisors, we have experience in getting creative with the loan products we have available, including various Non QM options. This help us best serve both parties and complete efficient closings to settle out cases, as the home is typically the biggest asset they’ll need to settle.

CPAs

Home Builders

Home Builders

Our Loan Advisors work with clients daily who are looking to get started on the journey towards getting into their dream home. By building strong relationships with home builders, we’re able to provide the builders with connections to pre-approved buyers, and through continual communication with the borrowers, manage their expectations to ensure any delays in the building process don’t cause unnecessary commotion.

WHAT WE HAVE TO OFFER

We provide only the best services to our clients

Home Management Services

Take advantage of our home maintenance services to keep your home in excellent shape and increase its value. We’ll help you keep track of previous and upcoming household maintenance.

Monthly Real Estate Reports

Watch as your wealth changes each month! Gain knowledge about your wealth through real estate via monthly updates.

Annual Financial Review

Get continuous advice and guidance on how to navigate your real estate and financial future. Our team will ensure that you are making the best decisions for your family.

Your Perfect Mortgage

Life plans evolve over time. The strategies you use to manage your mortgage should develop and evolve as your plan changes.

Real Estate Strategies

Optimize the real estate you already own, to make sure you’re utilizing it to it’s maximum potential.

Moving Services

Discover our no-cost renovation financing, as well as our technology that makes moving into a new home effortless.

Get Your Mortgage Rate Quote

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