Borrow Smart Repay Smart : A 7-Step Guide

Historically house prices have risen in value since the 1800s, yet the 2006 to 2009 real estate recession taught us that house prices can drop in the right market conditions. This unusual period of time shifted beliefs about the house s unique role in the building, managing, spending and transferring of wealth. While owning a home is personally rewarding, that ownership also plays a critical role in your long term financial journey. How you handle your borrowing and repayment decisions as a homeowner impacts virtually every aspect of your financial life. Prioritize your borrowing and repayment decisions in the same way you manage your savings or household spending. If you don t, you may find you spent years heating and cooling your house with the windows wide open.

Todd has 30 years experience in the financial services industry as a licensed securities, insurance, real estate, and mortgage lending professional. Todd founded three companies; Capital Savings Co, Inc., Advantage Capital Mortgage, USA, and PlanMax Financial. These three companies closed over $2 billion dollars in residential and commercial loans before being rolled into a Nasdaq IPO in 1999. Todd is considered an industry pioneer in the area of capital market and credit market convergence, and has published courses on lending and equity management currently approved for Realtors, Appraisers, Builders and Lenders in over 44 states.