A lot of companies provide a lot of promises, but we deliver at Landmark Mortgage Planners, LLC. We are dedicated to providing our clients with the clearest insight and guidance possible to solve their mortgage needs while keeping the most money in their pocket.

Landmark Mortgage Planners, LLC has a full line up of financing products and services (including, FHA, VA, USDA, conventional, reverse mortgages, private lending, and multiple unique refinance products ) to meet all of your mortgage needs whether you are a first time home buyer, a move up buyer, an investor, or a homeowner wanting to utilize your equity to get more out of your house.  We also have the advice and experience you need to ensure a successful outcome.

At Landmark Mortgage Planners, LLC we work day and night to service our clients and the phone is always on. Give us a call for a free pre-approval or specific council for your mortgage needs.

At Landmark Mortgage Planners, LLC we work with bad credit and good credit alike. We will always give you the best deal and nobody can provide a better solution for your needs than us.

Landmark Mortgage Planners, LLC is committed to assisting homeowners in making well-informed mortgage financing decisions.  We continually purpose ourselves to evaluate whether each client's personal goals and desires are achievable and practical while integrating the loan that they select into their overall long and short-term investment strategies.

At Landmark Mortgage Planners, LLC our desire is to enable our clients to achieve their Freedom Point quickly (the point where their assets are greater than their debts) by creating a personalized mortgage plan that provides them with financial resources, strategies, tools, and software.  This plan will eliminate unnecessary, non-preferred debt, increase safety, liquidity, and rate of return while decreasing interest expense and tax exposure by using proven strategic equity concepts.

At Landmark Mortgage Planners, LLC  we realize that as circumstances change, the mortgage strategy that proved to be beneficial years earlier may need to be altered to accommodate our client's current needs.  Therefore, we have a "Client for Life" approach where we seek to establish strong, long-lasting relationships when helping homeowners manage their debt decisions, providing them with a unique experience that will deliver obvious value.

Should You Talk to a Mortgage Professional Before House Hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It's short and to the point, and we keep the paperwork to a minimum!

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you to find the best loan to meet your needs and that we're confident you'll qualify for a loan for a certain amount.

When you find a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-qualified gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

Should You Payoff Your Mortgage Early?

Even with today’s low interest rates, the total amount of interest you may pay over the life of your mortgage can seem like a staggering amount. It's one of the reasons many people set a goal to pay down their mortgages early. But pre-paying a mortgage may not be for everyone. Here are some reasons to consider it:

- Paying your mortgage off will make you completely debt free.

- You want to reduce expenses as much as possible so you can put more money  into your retirement fund.

- You live in a country, such as Canada, where you do not receive a tax break because you carry a mortgage.

- You plan to move in a few years and will need cash for your next home - for closing costs or for a down payment. Applying more money towards your mortgage balance will increase equity, which can be converted to cash if needed.

- Currently, you do not receive a tax break on your mortgage interest. If your mortgage is small, your interest may not exceed the standard deduction the IRS gives non-itemizing taxpayers. Without that tax break, the actual cost of your mortgage is higher.

- You pay private mortgage insurance (PMI). If you have less than 20 percent of equity in your home, making extra payments will build more equity sooner, allowing you to cancel your PMI. And eliminating PMI will reduce your monthly payments.

But for some people, paying your mortgage off early can hurt you more than help you. Here are reasons to forego pre-paying your mortgage:

- Your mortgage contract includes prepayment penalties.

- You have other high-cost debts. Credit card interest rates are often more than twice that of most home mortgages. Any extra cash should go toward paying off the balance of those first.

- You want more money in your pocket now.

- You are in a high tax bracket and this additional deduction would lower your income tax bracket as well as your taxes.

- You want to put money into another investment such as the stock market or real estate.

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