As we commemorate the birth of our nation, we also celebrate the shared journey towards financial independence that we've embarked upon together.
Just as the 4th of July personifies unity, freedom, and opportunity, we strive to embody these values in our relationship with you. We're not just your mortgage lender - we are partners committed to helping you achieve your American Dream, whether it's purchasing your perfect home, refinancing for a memorable vacation, or financing higher education for your children. We are your Lending Partner for Life.
As we celebrate our nation's 244th birthday, we also celebrate YOU, our valued partner. Your trust in us fuels our dedication and commitment. To us, your financial goals are more than business - they're a testament to the spirit of freedom and opportunity that our great nation was built upon.
So, as we enjoy the fireworks, family gatherings, and barbecues this 4th of July, let's also remember to treasure the freedoms we have and to live up to the principles that define our nation.
Wishing you a spectacular Independence Day celebration!
Yours in service,
The Holly Walther Lending Team
MORTGAGE IQ
Could a HELOC Be Helpful?
We're excited to share some essential insights on finance this month! We want to help you make the most out of your money, and we believe these points can keep you on the right path:
Financial Advice That Fits You: If you're unsure about how to make your hard-earned money work more for you, consider consulting a financial advisor. Remember, preparing some notes on your financial concerns can make your initial discussions more effective.
Different Types of Advisors: Fee-only, fee-based, or robo-advisors? Make a choice based on what suits your requirements. Remember to inquire if your potential advisor is a fiduciary—a professional who'd prioritize your interests before theirs.
Deciding an Advisors: Sort out your budget, evaluate the fee structure and confirm rates before hiring. If committing seems a bit much at first, consider an hourly charged advisor for initial sessions.
Home Equity Line of Credit (HELOC): Even if you're a new homeowner, a HELOC might prove advantageous, giving you access to your home's equity when you need it.
Home improvements & repairs: With a HELOC, you can draw just what you need and potentially earn tax benefits.
Preparing to sell a home: A HELOC can cover costs for necessary repairs before putting your home on the market.
Pay off high-interest debt: A low-interest HELOC can help you consolidate and pay off high-interest credit card debts.
Emergency funds: Keep some HELOC funds in reserve for emergencies or unexpected expenses.
Please feel free to reach out if you would like to find out more information about HELOCs.
REACH YOUR GOALS
Find Financial Advice That Fits
How can your money work harder for you so you can achieve your financial objectives more efficiently?
Identify Your Financial Needs: Whether you're looking to create an initial financial plan, to restructure your investment portfolio, or even both, it's essential to note your requirements down. This will guide your conversations when you decide to hire a financial advisor.
Chose The Right Type of Advisor: There are fee-only and fee-based advisors. Understand the difference and choose what's best for you. If commission-based services may appear as conflicting interests, fee-only or robo-advisors may be a viable alternative.
Know Your Advisors: Always confirm whether the advisor is a fiduciary or not. Fiduciaries, such as Certified Financial Planners (CFPs), prioritize your interests over theirs.
Budgeting is Essential: Different advisors charge different fees. It’s important to evaluate your budget, calculate sample rates and confirm all costs before choosing an advisor.
Consider One-Time Advice: Even if you're not ready for long-term commitment, scheduling one or two sessions with an hourly-based advisor can provide you valuable insights without ongoing costs.
Remember, the right financial advisor can make your financial journey smoother and more successful. Reach out to us if you have any questions or would like to learn more about choosing the right financial advisor to reach your goals.
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PERSONAL FINANCES
Solo Retirement Planning
Solo Retirement Planning – because it's never too early to plan ahead. If you're going to be retiring on your own, you may be frustrated by the excess of family-oriented plans that won't work for you.
As you know, investing in a new vehicle is not just about choosing the right make and model, it's also about the added extras that can make a significant difference to your driving experience, and your wallet! We've compiled some tips for you to consider during your next vehicle purchase.
What's Best for Cooling Your Home: Heat Pump or A/C?
As the summer sizzles on, we know you might be pondering on how to keep your home a cool haven without breaking the bank. Well, the world of home cooling just got a whole lot simpler!
Here's a neat breakdown of the two systems you've heard so much about - Air Conditioners and Heat Pumps:
Air Conditioners pull heat from inside your house and transfer it outdoors. The magic happens thanks to a cycle involving your outdoor condenser, indoor evaporator coil, and a refrigerant. The result - a cool, comfortable home!
Heat Pumps,on the other hand, offer the best of both worlds. They function similarly to an air conditioner during the hotter months by transferring warm air from your home to outside. When winter comes knocking, they take on the role of a heater by moving heat into your home.
So, why should you consider a Heat Pump?
Energy Efficiency:Heat pumps don't create heat; they simply move it around. This process uses significantly less energy than generating heat.
Eco-friendly: By replacing your older gas furnace with a heat pump, you can reduce emissions by a whopping 93%!
Tax Credits: Installing a heat pump may make you eligible for tax credits and incentives. Please consult with your tax advisor for further insights.
Remember, while selecting an AC system or a Heat Pump, always consider your specific needs, local climate, and long-term savings. Stay cool & comfortable!
Want Weekly Market Updates?
After receiving many requests, I have been sending Weekly Market Updates on Fridays to my realtor and referral partners. I have been fielding numerous calls asking for clarity on what is going on in the market from past clients, clients who are currently looking, and future clients who plan on purchasing in the not-too-distant future. If you or anyone you know would like to be added to my Weekly Market Update email, reply to this email, or use/send them the button below to start receiving this timely information!
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