Thank you for allowing me to serve you in your quest to obtain financing for your home purchase/purchase of your first home/refinancing of your home. Your home is your most important investment and I sincerely believe that you and the expert you work with should investigate all options to make sure the financing you obtain is the most suitable for your economic needs.

That expert needs to provide you with clear choices on a variety of decisions so that you can make the right decision that fits your particular needs. Those choices may involve:

•Choosing the right mortgage term. Did you know that you can save tens of thousands of dollars in interest utilizing certain options?

•Making sure that you can compare the option of paying points and achieving lower payments vs. having lower closing cost and a higher payment. The amount of years you use the mortgage will greatly affect the economics of this decision.

•Making sure that you have aligned closing costs in such a way that your tax benefits are maximized. Many homebuyers shop and think they have found the best deal when, in fact, they could have lowered costs by using another strategy.

•Choosing between loan programs including adjustables, buydowns and fix rates. Each choice can carry an advantage.

This represents a partial list of the choices you may face and the answers may be determined by short-term economic factors such as rising or falling rates or long-term economic needs. I am proud of the service I have provided during my career in real estate finance.

I would be honored to become your long-term real estate finance advisor. I look forward to talking with you again. I will call you so that we can set up an appointment to discuss these options.