ANNUAL MORTGAGE REVIEW

One of the promises I made when we began serving you years ago was if you were happy with what we did for you I would help you avoid having to go through the whole mortgage process again in the future. This is the time when we provide that very valuable service. By updating a limited amount of information in your loan file, we can be ready to assist you at any time in the future with a new purchase, refinance, second home, investment property, home equity, or home improvement loan. This information will also allow us to be certain that the structure of your present mortgage is appropriate for your current needs.

All you need to do is answer the questions below. You do not need to provide us with any financial documentation at this time. I will review your answers to the questions below and provide you with suggestions or solutions as needed. I will also let you know how much home you could qualify for based on your current financial position.

What is your current interest rate? *

What is the program you are currently on? *

Fixed or adjustable rate? *

Balance? *

What do you estimate is the current value of your home? *

(If presently on an ARM) – Would you be interested in seeing if refinancing into a fixed rate mortgage would be a good choice for you? *

Yes

No

N/A

Do you presently have a home equity loan? If yes, what is your balance on the line? *

What is the interest rate? (Usually prime + or - ) *

Would you be interested in seeing if combining both loans into one would save you money? *

Yes

No

N/A

Do you presently have any credit card debt? If yes, approximately how much? *

Would you be interested in seeing how much money you can save by doing a debt consolidation loan? *

Yes

No

N/A

Have there been any significant changes in your income or employment in the last 12 months, or do you expect any in the near future? *

Yes

No

N/A

If yes, amount of increase/decrease? *

Have there been any significant changes in your savings, checking, investment or other asset account balances in the past 12 months or do you expect any in the near future? *

Yes

No

N/A

If yes, amount of increase/decrease? *

Would you like to receive a complimentary copy of your in-file credit report at this time? *

Yes

No

What is your best estimate for how long you may live in this home? *

Do you anticipate any changes in your real estate needs over the next 3 years? *

Yes

No

Do you know anyone at this time that would benefit by our Mortgage Fitness Survey? *

Yes

No

How can we improve our service to you? *

Are you interested in bi-weekly payment information? *

Yes

No

On a scale of 1-10 (10 being Highest) how would you rate your current relationship with the following service providers:

	CPA/TAX Planner
	Financial Advisor
	Insurance Agent
	Realtor
	Banker

0/100 points

Is there anything We can do to serve you at this time? *

Please provide your contact information below.

First Name *

Last Name *

Street Address *

Address Line 2

City *

State *

Zip Code *

Phone Number *

Email Address *

Each year we will repeat this simple procedure to be certain that your mortgage loan is meeting your current needs and to be prepared for future needs.

Thank you for your responses and for allowing us to provide you with this service. Please call or email if you have any mortgage related needs or questions, require a recommendation to another professional service provider, or if you just want to say hello.

Our mission is to help our clients save money and help them have peace of mind. We will study your responses and get back to you within a few days with our recommendations.

As part of our ongoing “Customer Service Program” we will continue to:

Contact you once a year to do our “Mortgage Fitness Review.” This process will allow us to give you the best possible advice on managing your debt. During this annual call we will also keep you informed of where the interest rates currently are.
Monitor your interest rate and call you if the rates come down.
Mail you John Rowley’s monthly newsletter that is always very informative.
Send you periodically educational and informative e-mails.
Answer any questions you have related to your mortgage.

Please call us anytime you have any mortgage related questions.

John Rowley

Phone Number: 302-724-5230 or cell 302-745-8599

Website: www.BuyOrRefiNow.com

I appreciate your business and referrals.

Take care and best wishes!