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When we discuss money it all starts with your circle of wealth. We all have a circle of wealth and we have divided it into three areas, Accumulated Money, Lifestyle Money, and Transferred Wealth. The two areas we are going to focus on are Accumulated Money and how Transferred Wealth, more importantly taxes, can have a significant impact on your future retirement.
What is a leverage planner?
So, you and your complementary professionals are trying to help people >>> maximize <<< their leverage in their investments.
That sounds like borrowing as much as possible with as little capital invested as possible in buying a house.
Here's how it goes;
A) WaMu's retail loan agents are busted by NY's AG for 'coercing' appraisers to over-value NY properties so that the loan amounts that the NY borrowers applied for can get approved within the loan-to-value guideline restrictions (which are designed to protect the lender and their investors.)
B) NY's AG creates the Home Valuation Code of Conduct (HVCC) which exempts retail loan agents entirely (brilliant.) Instead it targets wholesale originators and prohibits them from
Profile Worksheets - The documents are available for you to download to help you learn about how to manage your wealth.
Important Disclosures - HUD and RESPA information and disclosures regarding ARMs, Interest-only, HELOCs and more.
Helpful Programs - Some useful, free programs to allow you to view the downloaded files.