Mortgage Basics
Many home buyers search for a home they want, then apply for a mortgage and hope for the best. A better approach is to find out how much mortgage you can qualify for, then look at homes that you know are within your price range.
You will probably save time, aggravation and money by having your lender tell you the size of mortgage you qualify for and the likelihood that you will be approved. Pre-qualification may also give you added bargaining power with the seller if he knows there will be no delays in closing the deal.
Your Personal Financial Statements
Personal financial statements are the roadmap that guides us from where we are today, to where we want to be tomorrow. They also provide fixed points of reference from which we can measure our progress over time.
Personal Financial Statements
There are two basic personal financial statements that everyone should prepare, or have a financial advisor prepare, at least once each year; the cash flow statement and the balance sheet.
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Word On The Street
Kelvin is a highly competent insurance professional who stays on top of the latest trends in life, health, and annuity products. He was able to discern effective application for our needs and he has the right blend of integrity and initiative to deliver valuable advice and counsel in an ethical and professional manner”.
Courtney Hayes
Senior Partner Intergen, LLC
Atlanta, GA
Kelvin has been instrumental in helping us locate exceptional health and dental benefits for our staff and he has assessed and augmented our personal life insurance coverage. He has helped us develop a tailored insurance plan that meets our specific goals and improves our financial portfolio. It is without hesitation we refer Kelvin’s services to you and we pray that you will find him as valuable a resource as we have”.
Pastors Billy and D’Ann Johnson
New Covenant Christian Ministries
Lithonia, Georgia
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