Join the Mortgage Porter Rate Watch

A few months ago, I wrote about adopting mortgages for borrowers who have adjustable rate mortgages and who do not have a Mortgage Professional to assist them.  If you have not heard from your Loan Originator since your transaction closed, or even within the last few months, they either

1. Are no longer in the mortgage industry originating mortgages, or
2. Do not have a "post closing" system designed to help home owners stay informed about their mortgage, and
3. Only care about originating and not what happens to borrowers afterwards.

Perhaps your Loan Originator has you on their mailing and email list and you're just not that impressed with the level of service they offered you...you want to make a move.

Consider having your mortgage adopted by a Mortgage Professional you trust.  I personally enjoy adopting mortgages for Washington State families.   It's a FREE service and more often than not, the current rate is fine for the family (no refinance is required).   At least the home owner knows that they have a Mortgage Professional who is watching out for them.   Refinancing a mortgage, when it makes sense, can save hundreds of dollars each month that can either be invested into savings, used to pay off debts or applied towards the principal of the new mortgage to shorten the term and reduce interest.  Bottom line, it saves home owners money and if the home owner is going to retain the mortgage long enough to break even, it's almost crazy not to do it.   (It's also crazy to refinance when their is no financial benefit).

I can tell many home owners do not have relationships with their loan originators because of the amount of rate quote request I receive from all over the country.  Currently, I can only help people with mortgages in Washington State (if you're outside of Washington, I'm happy to refer you to fellow Mortgage Professionals).   

If you would like me to adopt your mortgage and add you to my rate watch, send me the following information:

• Your Full Legal Name(s)
• Property address
• Estimated value of the property
• Current mortgage balance(s)
• Estimated credit score
• Your email address/phone number (email is an excellent way for me to send a rate alert should mortgage interest rates drop)
• How long you plan on keeping the property
• Do you have taxes and insurance included in your mortgage payment

I will review your mortgage and send you a Personalized Mortgage Plan including a  Total Cost Analysis which compares your existing mortgage to 3 other mortgage scenarios.   I just emailed one to a homeowner in Snoqualmie this morning showing him that he should not refinance at this time.

View Sample Total Cost Analysis: 

Download WashingtonTotalCost.pdf

Again, there is no cost to you and no refinance required.  I'm happy to adopt your mortgage!