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Welcome to the WORTH Cubed website. Our vision is to be recognized by our clients & referral sources as their most valued and trusted advisors. By working with strategic partners and providing financial solutions that precisely meet their needs; we create “A Client For Life”. Most lenders quote rates, close loans & consider their job complete. The closing is our 1st step in managing their largest asset. Our ultimate goal is making a positive impact on our clients’ financial future by increasing their net worth through comprehensive mortgage planning.
Our process is defined within 3 pillars of mortgage planning. Referenced below the 3 stages of the WORTH 3 system. These explain in detail how we plan on increasing the net worth of each of our clients.
PILLAR 1: Asset Optimization
Are you working for your mortgage or is your mortgage working for you? Most loan officers quote rates and define loan products. The WORTH 3 system helps integrate the loan you select into your long and short term goals. We begin with you end in mind. Traditional lending models only provide you a Good Faith Estimate explaining rates & fees. We prefer to look at a total cost analysis over a specified time to ensure your mortgage is working for you. The best rate on the wrong loan program can cost many thousands of dollars more than a good rate on the right loan program. We can help you analyze total principal reduction as asset accumulation. The numbers will help answer the question, would it be better to prepay your loan $200.00 per month or place that money into an interest bearing account that will grow over time? Analyzing every loan in detail will have a positive impact on your net worth.
PILLAR 2: Cash Flow / Debt Management
Are you maximizing your savings every month? Our rate watch program can help you analyze this on an ongoing basis. Again, at loan closing most lenders consider their job complete. The WORTH 3 system aids our clients in debt management or a quarterly basis. We will monitor your loan with update on your principal balance. Analyzing your principal reductions and prepayment strategies. We can determine on an ongoing basis, is your mortgage “Still” working for you? This is done by providing our clients a detailed report that tracks your current rate& program compared against current market conditions.
PILLAR 3: Equity Repositioning
Are you utilizing your equity position to generate the highest rate of return? Proper equity repositioning can assure you that you reach your specific financial needs. Retirement / College Savings / Vacation Home / Emergency Fund; would you rather have cash and not need it than need it and not have it? The WORTH 3 principal reduction & accumulation analysis allows you to structure your untapped equity to grow your savings & maximize your tax advantage. Is it in your best interest to reduce debt or accumulate more assets? WORTH 3 system is designed to provide the figure to make an accurate decision. The answer should be right in front of you. Where do you want to go?
Welcome to the WORTH Cubed website. Our vision is to be recognized by our clients & referral sources as their most valued and trusted advisors. By working with strategic partners and providing financial solutions that precisely meet their needs; we create “A Client For Life”. Most lenders quote rates, close loans & consider their job complete. The closing is our 1st step in managing their largest asset. Our ultimate goal is making a positive impact on our clients’ financial future by increasing their net worth through comprehensive mortgage planning.
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