Borrowing for a Home with Warren Goldberg, Episode #30

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Today’s guest on the Mitlin Money Mindset™ is Warren Goldberg. He’s the President of Mortgage Wealth Advisors, Inc. and a Certified Mortgage Planning Specialist®. He also is a published author. Warren is a recognized mortgage expert who is frequently sought after by homebuyers, realtors, CPAs, and attorneys for his knowledge, advice, and guidance. Warren 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. Warren has helped thousands of clients own their homes, refinance their mortgages, restructure their debts, and invest in real estate. He’s a true consultant and a gentleman.

You will want to hear this episode if you are interested in…

  • How did Mortgage Wealth Advisors, Inc. come to be? [2:04]
  • What is a Certified Mortgage Planning Specialist® and why is that important? [4:17]
  • What are the benefits of somebody using a mortgage advisor vs big banks [6:24]
  • Steps that first time home buyers should take before looking to buy a home [12:14]
  • Important factors to consider when looking at a mortgage [16:20]
  • The mindset & driving factors when it comes to the length of a mortgage [19:23]
  • Rates are at all-time lows, what does this mean to a buyer? [24:19]
  • What Warren did today that put him in the right mindset for success? [28:10]

What is a Certified Mortgage Planning Specialist® and why should you WANT one?

Being a Certified Mortgage Planning Specialist® means Warren has an extra level of education, but it also signifies a different thought process. He looks at things holistically and takes into consideration how the mortgage interacts with everything else that you’re doing in your financial life. To relate it to financial services, Warren operates like a fiduciary within his industry, looking out for your best interest, not a commission.

Warren has been in the mortgage industry for almost 30 years and after the crash, he was very disillusioned by how many people were still in his industry that weren’t professionals. He feels that financial services should never be sold to people. They should always be matched to the needs of the consumer. He wanted to create a company where the mortgages were not just sold to someone based on the typical rate that people think that they’re shopping for. He wanted to ensure that the mortgage was able to be implemented into the overall financial plan so that the borrowers truly got the most bang for their buck. So he started his own company and has been doing just that! Listen to this episode for loads of useful information!

What would you expect to pay for concierge mortgage services?

People tend to immediately think of going to a bank when they think about a mortgage, buying a house, or a financial product like that. Why shouldn’t it be the first phone call? What are the benefits of using a mortgage advisor like Warren versus going to one of those big box banks?

Warren says reason #1 is that people like him will look at your overall financial life. He’s not looking to just sell a product. He wants to make sure that whatever service is provided— whether purchasing a home, looking to refinance, or even reverse mortgages— that it will complement your financial plan. Going to the banks, they’re going to qualify you for a mortgage but it doesn’t necessarily mean it’s going to fit your budget and lifestyle.

Warren wants to make sure that he doesn’t send you out being house rich and cash poor just living to make those mortgage payments. He has put together a very concierge process with a lot of hand-holding and education. Additionally, the buck stops at his desk so you’re not dealing with different people in different departments throughout the country.

The best part is that you pay nothing more. The rates that Mortgage Wealth Advisors, Inc. provides to clients are the same as if you had gone to the bank. The closing costs are no different. So borrowers are not paying any more in rate or closing costs, but they’re getting all the advantages.

Hey, first-time any-time homebuyers… here are some things you want to know!

Are there steps that first-time homebuyers should take before looking to buy a home? Are there certain things you should start thinking about in advance? DEFINITELY!

Would you start planning your retirement the week before you retire? Hopefully not! The same applies to buying a home, 1st time or the 5th!

In the mortgage process, preparation is key. it is best to start preparing at least six months in advance. Talk to a trusted mortgage advisor, let them run your credit, analyze your income and asset documents, etc. It’s easier to address molehills that come up during that process than the mountains that they’ll be when you come to the mortgage person after you’ve signed contracts. At that point, they can only react to what you have.

If you plan in advance you can do things like address minor credit issues and raise your credit score enough to improve your interest rates. Or discover other things like needing to have two years of self-employment history before you can use that income to qualify. The important takeaway here is if you’re thinking about buying a house you should start the process of looking into where you’re at and where you need to be 6-12 months in advance. It’s a free phone call and the benefits would astound you.

Resources & People Mentioned

  • Call Mortgage Wealth Advisors, Inc. at (516) 584-7218

Connect with Warren Goldberg

Warren Goldberg is the President of Mortgage Wealth Advisors, Inc., a Certified Mortgage Planning Specialist®, and a published author. His interviews and presentations include Blog-Talk Radio, Newsday, the Daily News, the Long Island Herald, and even the Nassau County Bar Association. His mortgage Industry newsletter is published bi-weekly and is read by thousands of subscribers.

Warren Goldberg is a recognized mortgage expert with Homebuyers, Realtors, CPAs, Attorneys, and Financial Planners seeking him out for his knowledge, advice, and guidance.

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’s helped thousands of clients own their homes, refinance their mortgages, restructure their debts, and invest in real estate.

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 Mortgage Wealth Advisors when in need of mortgage, financial, and real estate guidance.

Call Warren Goldberg today and find out why homebuyers, homeowners, and industry professionals consistently recommend him when their friends, families, and clients need a mortgage.

Guests on the Mitlin Money Mindset Show are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest’s content linked on this site.

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