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Homeowners have different reasons for doing mortgages.  Our position is that a new mortgage should be written with the perspective that it will do one of two things for our clients:  1.  It should serve to increase the client's net worth over time.  2.  It should increase the client's standard of living.

We also believe that the mortgage choices our clients make have an impact on their exposure to liquidity risk.

In order for us to serve you and your clients well, it is helpful that we understand a little bit about how you view this important aspect of your clients’ financial plan. 

It is also important for us to determine whether we will be a good fit for you and your clients.

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First Name
Last Name
Email

Tell us your main business:

Money under management Selling Life Insurance Selling other insurance products Other:

Have you received compensation in the past from mortgage related services?

Yes No

Are you currently receiving compensation for mortgage related services?

Yes No

What is the age of your target/average client?

25-45 45-55 55-65 65-75 75+

How many clients do you currently serve in your main area of business on an annual basis?

0-50 50-100 100-200 200-300 300+

If you had to guess, what is the value of your average clients' home?

under $100.000 $100.000 - $200.000 $200.000 - $350.000 $350.000 - $500.000 $500.000+

Is it your general recommendation that your clients:

Eliminate their mortgage as soon as is reasonably possible Pay only the minimum payment to their mortgage is more than adequate - get it paid off in 30 years or so Use the mortgage as a tool for investment and cash flow purposes Mortgages should never be paid off

In general is it your recommendation that your clients:

Use a fixed rate mortgage Use a fixed term adjustable rate mortgage (ie fixed for 3 or 5 or 7 years at a time) No general opinion. I would make decisions on a case by case basis Other

Comment:

In general my clients will call for advice before they buy or finance real estate:

Always. I rarely find out after the fact Sometimes. Maybe 50% of my clients will call for advice Rarely. I am rarely consulted about home financing and real estate related concerns I have never received such a call for advice