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Peter Bartolini and Michael Regan are Certified Mortgage Planning Specialists, leading the Freedom Point Mortgage Team.
Michael & Peter have defined Freedom Point in their team Vision, Mission & Purpose:
Team Vision: To see every client living positioned for financial freedom.
Team Mission: To help all clients create and maintain a plan for financial margin in their lives.
Team Purpose: We believe that a mortgage is no longer a necessary evil for homeownership like it once was. A mortgage plan is now a critical financial tool that we manage in harmony with each client's personalized saving & spending plan.
Our purpose assumes you will agree with the following 3 principles:
1. You must believe that a true Freedom Point is one day living free of debt
2. You must choose to live within your means in order to achieve true Freedom
3. You must create a Freedom Point Plan within the context of your goals & reality
The Freedom Point Plan will include us reviewing some or all of the following strategies:
Maintaining a personal household cash-flow management plan
Establishing a cash cushion (5-10% of annual income)
Eliminating "bad debt" & maintaining a high credit score (FICO)
Saving toward one year's worth of income liquidity
Targeting a financial freedom point (the day you know you can be debt free)
Recording a will and a living trust document for your family's assets
Reviewing insurance coverage (health, disability, life, property, auto)
Creating a debt management strategy (for a primary residence)
Confirming an asset management strategy (for all other investments)
Evaluating this plan regularly to live positioned for choices
Michael & Peter work as a Mortgage Planning team, supported by Myron Chamberlain and the Valley Bank processing, underwriting & closing departments.
Myron Chamberlain, XCO
Team Transaction Specialist
E-mail: Myron@myloanofficers.com |
