Kailua Real Estate Mortgage Planner specializing in Hawaii Buyer & Seller Information, Home Loan Advice and Kailua Credit Repair Strategies

MORTGAGE PLANNING

This web site is dedicated to people who want more that just a rate quote for a mortgage they may think is in their best interests. If you want to know how to plan for the future, learn how to maximize the use of your mortgage and help make you more wealthy over a period of time rather than making the bank wealthy then you need to educate yourself on how that is possible. Remember the banks biggest asset is their liability! There is good debt and there is bad debt! Also, consider that everything is 100% financed. That is, you are either earning interest or paying interest! Equity has no return, which means it is a lost opportunity cost! Nobody has ever gotten wealthy by paying off debt, but many have created wealth by using debt! There is a tremendous amount of information in this web site that will help you achieve your financial goals by using a mortgage!

Compare this web site to others and all the other web sites do is qualify you for a mortgage so they can earn a commission. It does not matter to them whether that type of mortgage is in your best interests or not. If you are to get ahead in today's financial world it takes planning and you need to consultant with a professional that has the proper background to help you.

We all know that lawyers, doctors, engineers, CPAs, etc. are people that we can obtain trusted advice from! We know this because lawyers, doctors, engineers, CPAs, etc. have gone through long, rigorous, expensive education, training, testing and licensing to obtain that designation! The product they sell is trusted advice in their area of expertise. The information they have to sell is often complicated and takes years of experience to understand and analyze correctly. This information was then put into a format that was easy for their clients to understand.

In the world of residential financing people have to make decisions based on information available today that will affect their lives for many years to come. Most banks, mortgage companies or brokers have taken this complicated information and turned it into a commodity. This has caused financial mayhem! Most people do not understand the ramifications of their decisions and how it will affect them in the years to come, especially as their own financial conditions change along with the nations and as world economies change too. The credit crunch is a result of people, including both the loan officer and consumer, not understanding the ramifications of their decisions today and how it will affect them for many years to come. This is besides any inappropriate actions and/or fraud by either party to the transaction.

Consumers for a long time have put their faith in Loan Officers that were uneducated, inexperienced, and unqualified in residential financing. The mantra of the consumer was; “Give me the lowest rate and I don’t need to know anything else”! The Loan Sharks smelled the blood and went for the jugular! Did you know that many of these Loan Sharks were former sales people in other industries that had nothing to do with financing! It has been revealed recently that more than 10,000 loan officers in Florida had a criminal record! If you knew their background, would you have gotten a loan with that person? Most people don’t ask what the Loan Officer’s financial education or background is. By the way, “I have been doing loans for years” is not an acceptable answer. They have been doing what is in the Loan Officer’s and their company’s interest for years and not yours!

The uninformed consumer is ripe for the taking by these Loan Sharks! How can you turn the tables so you can make an informed and educated financing decision? The answer is obvious. You need to look for a Loan Officer that has gone through long, rigorous, expensive education, training, testing and licensing to obtain an appropriate designation! You also need to know that they are honest and ethical. The trouble is the banking industry has put a premium on the “lowest rate” marketing strategy. Why do you think they do this? Everyone knows that a company always promotes their biggest money maker! They also make it easy so you don’t think and ask too many questions! They also train their Loan Officers to promote these products and not to ask too many questions of the consumer. In other words they make it easy!

Not all loan officers are Loan Sharks, most are just Loan Takers! That is they take your information, run the credit report and then give you a rate for a 30 year fixed mortgage! That is it! Nothing else! If that is the type of Loan Taker you are dealing with, run away, because they are putting their company first and not you!

We all know that if you want anything to happen financially you need to do planning. Financial planning is often not easy. It takes time, is sometimes complex and often you need to reveal information that is sensitive. All these obstacles can be over come with a positive outcome with the proper consultation. The first obstacle that needs to be overcome is the need for a consultation. Most people think; “Why do I need a consultation for when all I need is a 30 year fixed rate mortgage?” The first thing you need to do is read the article “How to Manage Your Home Equity Safely”. This will change your mind as to why you need a Mortgage Planning consultation. To obtain a great Mortgage Plan that is tailored exclusively to your needs now and for the future you need a real financial professional that has the education, experience, credentials and has invested in the proper mortgage planning tools to give you the very best advice in today’s market.

Aloha, my name is Rich van Bodegom. I am a Certified Professional Accountant (CPA) (Licensed in the State of California). One day I went looking for a mortgage. It was an incredibly BAD experience! I met no one that would listen to me, no one would answer my questions, no one understood the ramifications of different loan options, no one had any credible experience and /or education and no one would give my the correct information that I was looking for in a timely basis. I am sure you have had this experience as well and you did not know where to turn. At least I had the financial background so I knew that I should keep looking until I found what I was looking for.

At that point, I felt that this was a dynamic industry where the consumer could benefit from my years of accounting, tax and financial education and experience. So, far I have been right! (See my testimonials). When I became a loan officer, I started to look for certification within the industry. I found it with a Certified Mortgage Planning Specialist (CMPS®) (www.cmpsinstitute.org) designation. Mind you, because of my CPA background it was mostly a review but I did learn things about the mortgage industry that I would not find anywhere else. I am continually upgrading my education through the CPA and CMPS®. I am the only CPA and CMPS® in the state of Hawaii. There are very few designated CMPS® loan officers in Hawaii let alone the nation. This shows that most loan officers do not have the mind set, or ethics to pursue this designation and continually upgrade themselves. Please also take note that some Loan Officers have started to call themselves a Mortgage Planner without actually getting the proper education, experience and designation. That is just like an accountant calling themselves a CPA! You should avoid anyone without the proper education, experience and credentials!

A CMPS® is the only one that can properly utilize all your personal financial information to do a Mortgage Plan or Home Equity Review. By the way, Home Equity is something that Financial Planners and CPAs often don’t want to advise their clients to use because of liability issues. I know this from working with Financial Planners and CPAs that I know.

A Mortgage Plan is not for everyone mainly because you have to be willing to reveal all of your personal financial information. Not everyone is willing to do that. If you’re willing though, then you will gain a new perspective of what a mortgage plan can do for your entire financial future! It will reveal some things that you may not have thought possible! (Read “The Mortgage Planning Process”)

My consultations take about 1 hour and are free for Hawaii residents! When I do a mortgage for you, I will get paid by my mortgage company. I will also continue to monitor your mortgage as time goes on to make sure it still fits into your long and short term financial plans. I will do a consultation on a fee basis for residents of other states.

If you want to shop for rates, please do. I encourage it. My mortgage company may or may not have the lowest rate at any one time, but it is always competitive. Shopping for rates is one of my most effective marketing tools. The trusted advice that I give to you is not available from other loan officers. I will give you strategies that will save you thousands if not hundreds of thousands over the life of the loan. You may save $25 per month on a loan elsewhere, but you may lose thousands because you did not get a mortgage plan from me. So, what do you have to lose by using another loan officer without the proper financial education, experience and analysis? Well, just look at how many foreclosures there are today!

You need to prepare for your financial future you can’t just let it happen. Most people don’t realize that their entire financial future starts with the very first mortgage that they get.

Remember, loans are a commodity and trusted advice is not!

My pledge to you is that I will give you trusted and ethical residential financial advice that is in the best interests of you and not the company that I work for. I will also work to educate you in financial debt instruments (mortgages) so you can make an educated and informed decision. I will also show you how the mortgage can affect your long and short term financial plans. I will also do a before and after tax cash flow analysis for you. Once you decide to do a mortgage with me then I will monitor that mortgage over the life of the loan with periodic rate watch information and an annual Equity Review. I will also give you periodic economic, mortgage market and tax planning updates via e-mail to keep you informed of changes in the financial and tax market place. This alone is a $500 value that I give to my clients for free! I also work with Financial Planners, CPAs and Insurance Agents and I can give you a referral if needed.

My consulation will include a plan for your mortgage, budget, retirement, tax and investments with forecasts into the future according to your age and goals.

Please explore my web page for some great information that you can not get elsewhere and then give me a call!

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A Mortgage in Hawaii

Dear Neighbor,

My name is Rich van Bodegom, CPA, CMPS. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current mortgage. I am a Mortgage Consultant serving Kailua, Hawaii and the surrounding areas.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

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If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in Hawaii or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my Kailua, Hawaii office at (808) 216-5434. I am here to help you with all your mortgage needs.

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TESTIMONIAL

My husband and I were in the transition phase of re-locating to Oahu. Previously we have lived in areas where gains in real estate have been steady, but not astronomical. Therefore the opportunity to build up huge equity that could be applied to the purchase of a home in the expensive Hawaii market was not part of our financial picture. In fact, we loved our home in Shreveport, and decided not to sell, but to lease it instead. Therefore when we found a home on Kaneohe Bay that we wanted to purchase, it soon became apparent that finding the necessary amount of "loose cash" to get into it was a real stretch.

The first lender we met with pre-qualified us for a loan amount adequate to cover this particular property; however the relationship seemed to involve little more than taking our information, looking up an interest rate, and accepting an application. Our realtor mentioned that she had recently worked with Rich and was impressed with his efficiency and knowledge of the mortgage business. She suggested that we contact him.

I am so glad I made that first phone call! Rich listened to all the issues, did a total cost analysis, and that afternoon e-mailed three different financing options for us to consider. He thinks well beyond "this is the interest rate and this will be the monthly payment." He helps his clients see their mortgage in the context of their total financial picture, tax implications, etc., and provides hard numbers to support each potential scenario.

After my husband met with Rich in person, he tweaked the numbers some more, and we found a way to get into the house we chose in a way that preserves cash upfront, sets the monthly payment in a comfortable range, and provides maximum flexibility down the line. Throughout this process Rich has provided interesting background information about the industry, dealt with details of the appraisal and insurance on a tight schedule, answered e-mails and phone calls promptly, and been patient with my numerous questions. He is a true professional and really "takes care of business". He is on the job all the time, not just nine to five. I recommend Rich unconditionally.

Sincerely,

Glenda D.