Want to know if you qualify for your dream home? Or, have you wondered how much more house you can afford? Interested in financing an investment property? Or, are you looking for a loan for a commercial property? Do you need a second opinion on your loan pre-approval? Whatever mortgage financing situation you find yourself in, you do not have to wait long for answers. I will give you lending decisions within minutes.

Experienced and Creative. Loan programs can be extremely complicated and diverse. New terms and conditions are developed all the time, especially in this volatile housing market. While many loan officers may handle just a few programs and operate under the "one size fits all" theory, I constantly strive to stay current and up to date with the rapidly changing mortgage market, new programs and requirements for Government, Agency and non Agency programs. Through my experience, support and creativity, I succeed where many other loan officers give.

Your mortgage planner for life. I am a Certified Mortgage Planning Specialist and a member of CMPS Institute. I want to be your mortgage planner and the mortgage planner you refer your friends and family to. My goal is to take such great care of you and your loan that I earn not only your loyal business, but also your referrals to family and friends. My success has been build by referral, one happy client at a time. I am dedicated to helping you make the most informed mortgage decision possible. One that integrates with your personal financial plan and major life goals like retirement and wealth accumulation. A mortgage isn't just a loan, it's one of your most important financial planning decisions.

Utilizing your mortgage to Improve Cash flow is an integral part of mortgage planning. For instance, one commonly overlooked form of "predatory lending" is when banks and mortgage companies repeatedly encourage people to take out larger mortgages and home equity loans for "debt consolidation" or to free up your cash flow by basically consuming your home equity. This often results in spreading car loans and credit card balances over 30 years with no real plan to help you become debt free or achieve financial freedom. As a CMPS, I can help you conserve your home equity, not consume it.

If you're not happy, I am not happy. Since almost 90% of my business comes from referrals, my priority is to provide superior service--service that makes it easy for my clients to recommend me to their family, neighbors and friends. I realize that my continued success depends on the loyalty and good will of my satisfied clients. . My ultimate goal is to serve all of your mortgage financing needs so that I can continue to be "Your Lender For Life"

Go here now and complete the customer information for your FREE pre-qualification or to request a FREE copy of your Total Cost Analyses.

Realtors. Are you a top producer  or aspiring to become on and are you looking for the most economical ways to increase your contact capture and convert more of your contacts into buyers or sellers? Are you looking for ways to work with more buyers and sellers at the same time without spending more than you already do? If I can show you how to capture more contacts, educate them and keep these contacts loyal to you until they are ready to do business, would you be interested in knowing more?  Would you like to work with more buying and listing clients at the same time without an assistant? Would you like to add additional 1 to 2 transactions a month without spending more than you already do? Would you like to receive my weekly email on economic update and business building tools? Would you like to receive my powerful monthly "Real Estate Pro" newsletter filled with ideas of what top agents are doing to grow their businesses? If increasing your business is still your goal, even in this period of housing meltdown, send me an email with your complete contact information to Hans.Iduma@prospectmtg.com. How about if I told you this is absolutely FREE of cost to you, will that interest you? There is only one catch, and that is, you have to be a top producing agent with a knack to dominate your market.