Welcome !

Why A Certified Mortgage Planner?

My name is Edward Terrazas and my background is financial planning.  I am a Certified Mortgage Planner with America’s Mortgage, LLC. I realized early on in my career that houses were designed to house families not store cash. This is counter-intuitive to what many of my clients have previously understood. My risk-free strategies have helped my clients to structure debt effectively.
                                           
This assures that what may be your largest investment (your home) passes the safety , liquidity, and rate of return test. 

In considering your home mortgage I look at your total financial picture as a Financial Planner would . 

Mortgage Planning is a proactive and prudent endeavor for anyone who wants to make right choices when it comes to a home refinance or purchase. It includes, but not limited to, loan program, payment, buying a rate, and down payment amount. Ultimately you make the decision. Our goal is to help you make an educated one.

Most home buyers that scheduled a Mortgage planning consultation prior to being undercontract have found that it dramatically reduces stress, increases clarity and has saved our clients ten of thousands, potentially hundreds of thousands of dollars over the life of the loan.

I take pride in the fact that I have earned the reputation for giving my clients the best possible terms. I subscribe to several professional market watchers who inform me before the market moves to lock and protect a rate, or " float"  and capture better pricing for your loan.

We offer a multitude of products and feature options in order to provide better solutions to meet your individual needs.

RELAX.... Once we have completed a Mortgage Planning Consultation we are here to make the transition as effortless as possible. Our step by step approach through the process will leave you confident in your decision. We want our relationship to extend beyond our intial transaction assisting you in staying on target with your short and long term financial goals. 

The end result is 
                                                      An Accomplished Client

                                                            A Referring Client
     
                                                              A Client for life

                             Call me for a NO FEE Mortgage Planning Consultation today!
 
                                         
                                          
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