REAL ESTATE DEBT MANAGEMENT

Let Our Mortgage Professionals Help You Manage Your Real Estate Debt!

Alright, you own property... now then, besides paying the mortgage payments, the escrows or taxes and allocating the cost to maintain it, what are you going to do to get the most out of this newly acquired Real Estate debt?

It is most unfortunate that many banks, lenders and brokers have never offered you a program to continue working with you post-closing. That is unless it meant a refi or another new property purchase. You are usually left up to your own devices to learn and manage the largest single debt(s) of your life. "Call us if you have any questions", would be the last thing you heard as you were escorted out the door. If you have an instance where your lender or banker called you proactively to say "let's discuss how your home's equity is currently growing", we want to hear from you to let us know that we're wrong.

Artemis Mortgage is changing the way our customers experience the ENTIRE home and property purchasing experience. If you own one single-family property or multiple properties, we will create and manage a Real Estate Debt Management Program for you.

Many people have Financial Planners to assist them with their investments such as stocks, mutual funds, retirement accounts, trust funds, to name a few. People even hire accountants to help them with their monthly debts and expenses to ensure accuracies and to leverage potential tax benefits. Why then wouldn't you want to have a firm assisting you with managing your largest debt? Especially the type of debt that the Mortgage folks are (or should be) experts in!

Take this example for instance: We all go to the Doctor once a year for our annual checkups, to the dentist twice a year for maintenance and cleaning, the mechanic to ensure our vehicles are inspected, tuned up and meet State regulations. Again we ask, why do we not demand to have our largest purchase and investment reviewed at least once a year? If you are not planning to outlive the entire loan amount and timeframe, you should demand an annual review. Even if you do plan on outliving your mortgage in that very same property, you should still demand to have an annual review scheduled.

Artemis Mortgage professionals schedule Annual Equity Reviews with everyone of our clients to track the performance of your mortgage(s) to ensure that they are still performing positively and in alignment to your needs. Many scenarios have multiple differing conditions that can influence your mortgages' performace, you must periodically see to it that you do not allow your mortgage to begin working against your plans and expectations.

Why, you ask? First, because interest rates change... DAILY!!!

Not drastic enough to worry about every day but they do change enough that in one year's timeframe, you may be able to benefit by changing your existing loan depending on your loan balance, credit score, market interest rates or perhaps a new lending program that was not previously available, etc.

Perhaps you are looking into new properties or maybe relocating to another part of town, state or country and want to know what the latest rates are forecasting for six months from now? Your Mortgage Planner and Home Finance Advisors watch the markets daily and listen to all of the experts who forecast rates based on current and future market conditions. We can provide you with breakdown of all of the information, place it into a summary that best addresses to your situational needs or requests and allow you to make the intelligent decision.

How much is it worth to you having professionals looking out for your Real Estate financial interests? Another reason to schedule annual reviews is that we also network and closely work with many professionals that can further assist you grow your total net worth, of which your mortgage is a fantastic vehicle for, if used properly. We work closely with Certified Public Accountants (CPAs), Certified Financial Planners (CFPs), Insurance Agents, Title Companies and Real Estate Attorneys, all of which can further help you continually build your wealth. We will work closely with anyone you are already working with in these fields or we can recommend those to you if you are not currently working with a CPA, CFP, Attorney, etc.

To learn more about programs and tools for you, click on Financing Closing Costs and Home Equity Lines of Credit.

If you are an investor, whether it's in residential, multi-family or commercial properties, and are interested in learning how this program can offer your portfolio tremendous benefits, visit our Real Estate Investors page.