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Mortgage Wealth Advisors, Inc.
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<td style="padding: 15px 10px" width="320" valign="top"><a href="http://app.streamsend.com/c/27934593/2629//P1ts?redirect_to=http%3A%2F%2Fwww.mortgagewealthadvisors.com%2F" target="_blank" style="color: #365DA0; text-decoration: none"><img src="http://app.streamsend.com/images/templates/custom/162532/1/Mortgage_Weath_Logo.jpg" alt="Mortgage Wealth Advisors, Inc." style="border: none; display: block" width="320" height="123" border="0"></a></td>&#13;
            <td style="color: #333333; font: 14px/16px Gotham, 'Helvetica Neue', Helvetica, Arial, sans-serif; padding: 15px 10px; text-align: right" valign="middle">&nbsp; <b>Mortgage Industry Commentary</b><br>&nbsp; November 29, 2016<br>
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<td style="color: #ffffff; font: 18px/21px Gotham, 'Helvetica Neue', Helvetica, Arial, sans-serif; padding: 15px 10px" bgcolor="#00703C"><div style="text-align: center">The Importance of Mortgage Planning</div></td>&#13;
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<td style="color: #333333; font: 14px/16px Gotham, 'Helvetica Neue', Helvetica, Arial, sans-serif; text-align: left">Warren Goldberg is the President of&nbsp;<i>Mortgage Wealth Advisors, Inc.</i>, a Certified Mortgage Planning Specialist&reg;, and a published author. His interviews and presentations include Blog-Talk Radio, Newsday, the Daily News, the Anton Press, the Long Island Herald, and even the Nassau County Bar Association.<br><br>&#13;
                  Since 1992, Warren Goldberg has been sharing his industry knowledge and financing strategies, including how to properly use your mortgage as a financial tool. He&rsquo;s helped thousands of clients own their homes, refinance their mortgages, restructure their debts, and invest in real estate.&#13;
               <br><br>&#13;
Warren Goldberg has a reputation for developing long-term relationships with his clients and for staying in touch long after the closing. His clients regularly express their trust and appreciation by recommending friends and family call when in need of mortgage, financial, and real estate guidance.</td>&#13;
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          <br><br>Most people understand the importance of planning for their future.  Yet many don&rsquo;t invest time to ensure the future they desire.<br><br>When people fail to work with a Certified Mortgage Planning Specialist&reg; (CMPS&reg;), the results are often <i>much more costly</i> than they can anticipate.  I&rsquo;ve seen borrowers over time, lose tens of thousands of dollars in lost investment opportunities, lost tax deductions, and higher interest charges, with the cumulative effects resulting in a lifestyle goal never attained.  And it all could have been avoided with one pre-emptive consultation.<br><br>With continuing volatility and uncertainty in the real estate and credit markets, there are <i><u>dozens</u></i> of potential issues that can adversely affect your ability to buy a home:<br><ul>
<li>
<font size="3"><b>Have you checked your credit?</b></font>  <br>Are there blemishes on your credit in need of repair?  Are there errors on your report or accounts that aren&rsquo;t yours?  It can take <i>months</i> to rectify these issues &ndash; precious time YOU WILL NOT HAVE if you start thinking about it only <i>after </i>you&rsquo;ve found a new home.<br><br>
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<font size="3"><b>Have your credit <u><i>and scores</i></u> been <i>analyzed</i> by a CMPS&reg;?  </b></font><br>Checking your own credit online or through a paid service is dismally insufficient.  While these credit reports will provide you with raw data, are you aware how mortgage lenders will interpret this information?<br><br>
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<font size="3"><b>Do you have enough trade lines?</b></font><br>Is your credit activity sufficient to meet underwriting guidelines?  And what about your credit scores?  Are you sure the scores you received are even legitimate?  <u><b>Beware of the consumer versions of credit scores!</b>  The only scores accepted in the industry are the FICO score from Trans Union, the Fair Isaac score from Experian, and the Beacon score from Equifax.</u>  Most credit scores reported through subscription services are NOT legitimate, industry-accepted scores.  They are worthless to you &ndash; and to a lender.<br><br>
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<font size="3"><b>Where&rsquo;s your down payment coming from?</b></font><br>Your savings?  A gift?  A 401k loan?  Is your savings tied up in the equity of your current home?  And what reserves will you have after the closing?  Most importantly, <i>will using these funds <u>accelerate</u> you towards your financial goals or <u>prevent</u> you from attaining them?</i><br>Every one of these circumstances can prevent you from buying a new home &ndash; unless you work with a CMPS&reg; to properly structure the transaction ahead of time.<br><br>
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<font size="3"><b>What do you do for a living?</b></font><br>Are you self employed?  Commissioned?  Are you salaried but working in a field that&rsquo;s experiencing turmoil?  Are you planning to retire or change jobs within the next 12 months?  Each of these factors can be detrimental if not anticipated before-hand.<br><br>
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<font size="3"><b>Will the house you&rsquo;re looking for, the price-range, the type of mortgage, and even the loan amount, all integrate seamlessly with your lifestyle, your needs, and your financial goals?</b></font><br>A mortgage is yet another tool that should be integrated into your financial plans and family protection.  Most every qualified Financial Planner will recommend that your investments, insurance, and leveraged assets (your mortgage) be integrated so that they work together, <i>accelerating</i> you toward your financial goals.  A CMPS&reg; will show you how to structure and utilize your mortgage to <u>build wealth.</u><br>
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<br>When it comes to Mortgage Planning, an ounce of prevention can save you thousands of dollars in cures.  Any old mortgage salesperson can sell you a monthly payment that drains your checking account.  <b>But by working with a Certified Mortgage Planning Specialist&reg; <u><i>before you find a new home</i></u>, we can ensure your transaction goes smoothly, your mortgage complements your financial plan, and that you truly enjoy your new home for years to come.<br></b><br><p style="margin-bottom: 1em; text-align: center"><font size="3"><span style="color: rgb(5, 104, 59)"><b><i>Mortgage Wealth Advisors, Inc.</i></b></span><br><span style="color: rgb(5, 104, 59)"><b>The Right Mortgage Today,</b></span><br></font><font size="2"><span style="color: rgb(5, 104, 59)"><b><font size="3">for Your Family's Wealth and Security Tomorrow</font>.</b></span></font><br></p>&#13;
            <p style="margin-bottom: 1em">Sincerely,</p>&#13;
            <p style="margin-bottom: 1em">Warren Goldberg<br>&#13;
              Certified Mortgage Planning Specialist&reg;<br>&#13;
          President and Founder</p>&#13;
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<div style="text-align: center">Warren Goldberg &middot; NMLS # 158412<br><a href="mailto:WGoldberg@MortgageWealthAdvisors.com" style="color: #365DA0; text-decoration: none">WGoldberg@MortgageWealthAdvisors.com</a><br>
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<font size="3"><i><b>Mortgage Wealth Advisors, Inc.</b></i></font><br>&#13;
            255 Executive Drive, Suite 410<br>Plainview, NY 11803<br><br>MAIN PHONE 516-302-1090<br><a href="http://app.streamsend.com/c/27934593/2641//P1ts?redirect_to=http%3A%2F%2Fwww.MortgageWealthAdvisors.com" style="color: #365DA0; text-decoration: none">www.MortgageWealthAdvisors.com</a><br><br>Registered Mortgage Broker, NYS Dept of Financial Services &middot; &#13;
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              255 Executive Drive, Suite 410
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Warren Goldberg, President of Mortgage Wealth Advisors, quoted once again in an article in today's Newsday, page A35:
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