Purchase / Refinance / Home Equity Solutions
Conforming, FHA, VA, USDA, Jumbo, Nonconforming, Reverse Mortgages (HECM and Proprietary), HELOC, Home Equity Loans
As a Certified Divorce Lending Professional I help divorcing homeowners (along with their divorce teams) make informed decisions regarding their mortgage solutions
I offer personalized financial coaching to individuals and couples, assisting in setting and achieving both short and long-term financial goals through tailored action plans
Mortgage planning is mortgage lending while looking at a person's overall financial picture to ensure the mortgage is helping achieve those short and long term financial goals. This long term vision makes the process less transactional and more of a "lender for life" mentality.
Divorce mortgage planning allows me to uncover potential opportunities and obstacles that a divorcing homeowner may face, whether they want to retain the martial home or eventually buy a new home. I work with the divorce team (attorneys, mediators, financial planners, financial analysts) much earlier in the process versus your typical mortgage lender, so that everyone understands the mortgage implications in the divorce documents before it's too late and they are finalized.
There are thousands of lenders out there to choose from, but the combination of experience, low rates and fees, and mortgage planning training I bring to the mortgage lending process set me apart from the competition. I'm not aware of anyone in the country who takes such a comprehensive approach to the mortgage lending process while staying competitive with the cheapest of online lenders.
This is a unique service I provide after the loan closes, designed to constantly monitor your home/mortgage. It includes monitoring the mortgage rate market, home values, personal finance checklists, home maintenance checklists, and much more. See "Mtg Under Mgmt" section for more details.
Not at all. My process is the same whether I am doing a loan for someone locally, or on the other side of the country. I have access to some of the best technology in the industry that allows for a smooth process regardless of your location. Also, locally-based lenders (similar to large banks) tend to sell you higher rates with more fees due to the lack of competition they face and their desire to make a much higher commission on your loan.
The common "advantages" that local lenders claim:
It's important to talk to a lender/mortgage planner first. The realtors can be great about finding you a house in a neighborhood you like, but none of that matters if you don't have your finances in place. Without knowing your actual budget and discussing where the new home/mortgage fits into your overall financial picture, you don't have enough information to give to the realtor for them to help you effectively. Talk with me first to nail down all the finances, and then the realtor and I work together to find you that perfect home.
Copyright © 2023 Adam Coleman NMLS 181698 - All Rights Reserved. 2023 Loan Pronto, Inc (NMLS 1661781). All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity. Licensing Information
I am not a financial advisor, portfolio manager, accountant, or lawyer. This is not financial advice, investing advice, tax advice, or legal advice. The information is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Nothing herein shall be used as a substitute for the advice of a competent financial planner, tax expert, or attorney.