Autos, Homes, & Loans

 What We Do:

• Analyze loan terms, interest rates, and total cost of ownership.
• Provide guidance on refinancing or upgrading vehicles.

Client Benefit:

• Save money by choosing the best loan options and avoiding hidden fees.
• Most people overpay or are locked into high-interest rates—we help you avoid that.

What We Do:

• Break down mortgage terms into simple, understandable steps.
• Assist with pre-qualification, refinancing, and understanding payment plans.

Client Benefit:

• Make informed decisions to secure the best deal for your dream home.
• Many are stuck with unfavorable terms or hidden costs—we make sure you’re not.

 What We Do:

• Assess your financial profile to match you with the best loan options.
• Highlight potential risks and benefits of various personal loans.

Client Benefit:

• Gain clarity and confidence to fund your personal or professional goals.
• Most people overpay or take on loans with poor terms—let us guide you to better choices.

 🔧 What’s Included

📄 Review of Up to 2 Loan Offers

• We analyze your loan documents and highlight important details.
   

🧠 Plain-English Breakdown

• Understand interest rates, loan terms, monthly payments, and total cost—without the jargon.
   

🚩 Red Flag Detection

• We look for hidden fees, balloon payments, or bad terms that could cost you later.
   

📊 Comparison Chart

• Side-by-side view of your loan options so you can choose the smartest one.
   

📞 1-on-1 Strategy Call

• A scheduled session to go over your offer, ask questions, and get expert advice.
   

💬 2 Days of Unlimited Text Support

• Quick access to us for calculations, questions, and final deal checks.
   

📘 Final Deal Breakdown

• Clear summary of your loan terms and approval that you’re making a smart move.
   

• You’ve already found a car but want professional eyes on the loan.
   
• You need a quick but thorough review before you commit.
   
• You want peace of mind knowing you got the best deal possible.

 🔧 What’s Included

✔️ Everything in the Quick Check, plus:

📞 3 One-on-One Calls

• Discuss multiple loan offers
   
• Negotiate terms with our support
   
• Get real-time help with big decisions
   

💬 7 Days of Unlimited Text Support

• Ask questions, request comparisons, or get help reviewing new offers—anytime during your service window
   

📊 Up to 3 Loan Comparisons

• Side-by-side breakdowns with visuals
   
• See total cost, interest paid, and monthly impact clearly laid out
   

💳 Affordability Calculator

• We build a payment plan customized to your income, lifestyle, and savings goals
   

🧾 Monthly Budget Walkthrough

• Understand exactly how your car payment fits into your full financial picture
   

📚 Auto Loan Essentials Guide

• Learn the key terms, what to ask lenders, and what traps to avoid
   
• Stay empowered—not pressured
   

📘 Customized Final Report

• We summarize and recommend your top options in a clear, easy-to-read format so you can move forward with confidence
   

• You’re considering more than one car or lender
   
• You want to compare and save—not rush into a deal
   
• You want peace of mind knowing your financing is smart and future-proof

 🔧 What’s Included

✔️ Full Mortgage Breakdown

• Understand fixed vs. adjustable rates
   
• Learn what escrow, PMI, points, and taxes really mean
   
• Spot hidden or excessive fees
   

📉 Affordability & Risk Check

• Use the 28/36 rule to check if the loan fits your budget
   
• Forecast how future income or expenses affect your loan
   
• Evaluate long-term financial risk
   

🔁 Lender Comparison (Up to 3 Offers)

• Compare monthly payments and total loan costs
   
• Explore different loan types (FHA, VA, Conventional, etc.)
   
• Get a clear, side-by-side summary
   

📞 Strategy Session

• One 60-minute call to set goals, ask questions, and review next steps
   
• Includes follow-up support by email
   

🧾 Closing Prep

• Go through your Loan Estimate and Closing Disclosure
   
• Spot red flags or unnecessary charges
   
• Get a checklist so you’re fully ready for closing day
   

• Save $10,000–$40,000+ over the life of the loan
   
• Avoid bad terms and risky contracts
   
• Know exactly what you're signing
   
• Walk away with the best deal for you
   

 🔧 What’s Included: 

✔️ Detailed review of up to 3 personal loan offers 

📞 30–45 min phone or video consultation 

📈 Income-to-loan ratio & long-term debt impact assessment 

💳 Budget match test: Can you actually afford this loan? 

📘 Prep Toolkit with lender tips, application checklist, and guidance 

 🔧 What’s Included: 

✔️ Review of up to 3 loan offers (APR, fees, term, red flags) 

📊 Side-by-side loan comparison (auto, retail, or debt loans) 

📈 Affordability check based on your real-life budget 

🧾 Payment timeline projection & payoff estimate 

📚 Loan Smart Guide + “What to Ask Before You Sign” checklist