We created this section for those who want a deeper understanding of the process; the people who want to know “Why ?”
I always say that (almost) everything in mortgage lending makes sense. For the most part, if you consider the word “RISK”, that is risk to the folks who are lending out money, just about everything in mortgage lending makes sense.
Total Cost Analysis
The Total Cost Analysis provides a very accurate “big picture” view of the financial impact of today’s mortgage decisions. As the title implies, it takes into account the total cost over a particular time frame of the mortgage decisions that you make today. Unlike a toaster oven that you might buy at Target; you cannot simply take your mortgage back to the store for a refund if you don’t like it. As such, the decisions that you make today regarding your mortgage has far reaching implications. For that reason you’ll want to truly understand the full impact (present and future) of today’s financial decisions.
xConsolidation Analysis
The Consolidation Analyisis….
xRent vs. Own
The Rent vs Own Analysis compares the true cost of renting over the true cost of buying. Typically, most people would do a basic dollar amount comparison and simply conclude that the lower amount was the better deal. On the surface, this might seem prudent. However, when we take into account the true costs of renting and compare them to the after-tax cost of owning, the cost of own is often lower than the cost of renting. Additionally, after considering the possibility or probability of growing your net worth through the appreciation of the property, the purchase option looks significantly stronger.
xEquity Repositioning
As the name implies, Equity Repositioning is used when you want to move the equity out of your home and put the money to work in another financial vehicle. Most of the time, this is not a strategy that you would want to use on your principal residence. I have a personal belief that your home should be your sanctuary, like bedrock, something that you can always rely on. Equity Repositioning specifically means that you will take a property that is paid off or one that has a lot of equity and you will do a cash-out refinance to extract some cash from the equity in the house. The equity in real estate is the same as equity in any other asset. However, in the case of real estate your equity is relatively dormant. That is, it does not produce any cash flow or tangible rate of return. Some may argue that a property could appreciate (increase in value) and produce a rate of return in that manner. However, its worth noting that any house is an asset, it would appreciate in value whether or not it was encumbered with a loan.
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