Track Position Strategy
Getting approved is one thing. Knowing which mortgage makes sense is another.
A mortgage is too important to guess. My Track Position Strategy is how I help you see where you stand, compare your options and the trade-offs, and decide your next move, before you commit to anything.
How it works
Here's the thing. You can get a mortgage from a lot of places. What I do is help you think through the decision, not just process the loan. It comes down to four simple questions.
What are you trying to accomplish?
We start with your goal, not a loan program. Buying your first home, moving up, refinancing, tapping equity, buying a rental. I want to know what you want your life to look like when this is done.
Where do you stand today?
Next we look at your real numbers: income, savings, credit, the payment you're comfortable with, and how much cash you want left over after closing. That's your track position.
What are your options?
Then I lay your choices side by side. Different loan types, different down payment amounts, different structures. Let me walk you through what each one means for your payment, your cash and your long-term plan.
What's your next move?
You pick the path that fits. Sometimes that's applying now. Sometimes it's waiting a few months or fixing one thing first. Either way, you'll know why, and you'll make your move with confidence.
What's different about it
This isn't a knock on anyone else. It's just a different way to work, built from 35+ years of experience in real estate and mortgages.
What it is, and what it isn't
The Track Position Strategy is my way of helping you understand your mortgage options, weigh the trade-offs and make an informed decision. It isn't a loan program, it isn't a separate lender, and it isn't a promise of any particular outcome. Every loan depends on your situation and is subject to approval. I originate loans through Nations Lending Corporation.