Unfortunately, when consumers think of mortgage brokers, they ask, “who has the lowest rate?”. And while getting a competitive rate is important, the real question a consumer should ask is:

“Does my Mortgage Consultant provide integrated solutions for me and my family?”

Any one can quote a rate today, over the phone, on the internet, but once you get the rate quote, what happens? Does your Loan Officer just hand you paper, or do they ask you questions about your needs.

As a Trusted Advisor, it is my job to know the inventory of over 340 different home loans that exist in the market today, and apply my knowledge to your situation. Trusted Advisors are the successful Mortgage Consultants who look to help you close your first loan, but realize that their job truly starts after the first loan closes, as the Trusted Advisor will continue providing mortgage suggestions and a mortgage fitness check up after the first loan closes.

A Trusted Advisor will ask about goals and opportunities, suggest different loan options, to provide an integrated solution for your changing financial needs. The Trusted Advisor will provide unique analysis to your particular loan needs and show you how to best plan for the future. To see where I can help you, look at these professional analyses that I can do for you.

What Should I Consider Purchasing a home?

The Trusted Advisor will provide creative ideas for you to consider. In purchasing a home, it may not be the lowest rate, but rather the lowest cost in owning a home. There is a difference and most loan officers today do not consider this when quoting rates. In fact, most loan officers today will quoted rates, but not even ask important questions about your total financial needs in an effort to give you the best loan option for your current financial position.

As your Trusted Advisor when you purchase a home, my goal is to learn about your needs, provide loan option for you to review and understand, and then show you my Total Cost Analysis, so you can make the right choice for a loan. If you would like to see a sample of my Total Cost Analysis, please click on the button below see this innovative approach to providing mortgage loans! After you review this, ask yourself, has any other loan officer provided you with this review of your money? If not, please don’t hesitate to call Jim Yarrington at 913 338- 4300 or send an email to jyarrington@pulaskibankstl.com.

How Much Money Should I Put Down?

When a borrower today, purchases a home with less than 20% down, that borrower will have to have Private Mortgage Insurance, better known as PMI as a requirement of the loan. One of my unique positions is to provide you, as a borrower, loan options that will save you money over time.

If you are a considering purchasing a home with less than 20% down, then we need to discuss my PMI Comparison Analysis Report. I can offer several different loan options that can show you the benefit of restructuring your loan in one of several ways. My goal is to provide a comparison to provide increased tax deductibility and save you money each year.

To see a sample of my PMI Comparison Report, please click on the button below see this special review of your potential loan. Let me provide you with this report or several others that can show the benefits of loan restructuring. I can easily be contacted Pulaski Bank Home Lending at 913 338- 4300 or send an email to jyarrington@pulaskibankstl.com.

Is there a better way to handle my money?

As a Trusted Advisor, I have clients asking me all the time, “how can I avoid living paycheck to paycheck?” Most individuals will begin to eliminate their savings plan for retirement, cancel important life insurance policies, or defer (indefinitely) saving for college education funds for their children, and just pay the bills. My role as your Trusted Advisor, will be to seek ways to free up monthly cash flow and allow you to continue with or modify slightly the financial plan you have in place. My most intricate analysis is the Equity Repositioning Report, where I can show a borrower how to refinance and continue to contribute funds to their planned investments. In this review of a borrower’s financial situation, we should be able to increase the borrower’s monthly cash flow and invest more for their future. To see a sample report of my Equity Repositioning Analysis, please click on the button below.