Hi, my name is Stefan Waggoner, and if you're anything like me, looking to buy a home should be a very exciting time. Yes, I am also shopping for a home, and I know the industry buzz when it comes to the mortgage business.

I’m a Loan Consultant/Financial Consultant. Why both? Your home is the single largest investment you will probably make in your entire life and shopping for a loan shouldn’t be like shopping for the latest credit card offer. You should think of a mortgage broker like a stock broker that has access to thousands of stocks. We have access to thousands of loan programs at hundreds of banks; even your bank. Truth is, you could go anywhere and get a loan - and in most cases it would be exactly what you wanted. However, it may not be the best loan to fulfill your objectives. For example: if you think that paying extra on the principle by making an extra payment every year, making bi-weekly payments, or simply adding something to your monthly payment is an effective strategy to an early pay off, you would be absolutely correct! However, there is a better, faster, and more secure way. If you’re shopping for the lowest rate and lowest fees, it may be costing you far more than you think. How so? A low rate could pack a lengthy pre-payment penalty, and if you were planning on selling in a shorter time, you are in for a big surprise! My point? Commit the time necessary to discern what options make the most sense, provide the most benefit, and offer long term security.

If you need dental work, you go to a dentist. If you need brain surgery, don’t call me! Shopping the web and making dozens of calls will never replace a highly skilled loan officer. Call me when you are ready to make your most valuable investment, second only to family, and I will demonstrate how a professional in the financial industry can save you thousands - even hundreds of thousands - and dramatically increase the value of your estate.

Thanks for reading

Stefan Waggoner
661-889-8638