Reccomend a Loan

Your mortgage should take into account your personal debt goals, expected hold period for the loan, risk tolerance, return on other investments, and tax deductibility. Albright Financial makes its mortgage recommendations based on these key factors as applied to today's current mortgage products. Please answer the following questions and click on the 'Recommendations' button below.

1. What is the Loan Amount? $

2. What is the estimated value of the property? $

3. In which state is the property located?

4. How will you use the property?

   as a Primary Home
   as a Second or Vacation Home
   as a Rental or Investment property

5. What type of property is this?

   a Single Family Residence
   a Condominium
   a Co-operative
   a 2-4 Unit Building

6. What is the purpose of the Loan?

to purchase a property that has been identified
to purchase a property that has not yet been identified

7. Are you willing to document your income?

I will document my income for the lender.
I will state my income but will not provide documentation.

8. Will you consider loans with a Prepayment Penalty?

Yes No

9. Will you consider loans with a balloon payment?

Yes No

10. Choose the statement that more closely describes you as a borrower:

   I want to pay as little as I can towards interest costs over the life of my mortgage.
   If you selected the above choice, will you consider loans with a term less than 30 years (such as a 15 Year Fixed)? These loans provide lower total interest but at a much higher monthly payment.
   I'm most concerned about keeping my monthly payments low.

11. Please estimate how long you plan on keeping this loan:

12. Which of these statements do you agree with?

I expect interest rates to remain stable with only a little inflation.
I think we're entering a period of high inflation with interest rates rising rapidly.

13. In your other investments, what kind of average percentage returns are you receiving?

I generally earn less than 10%. I usually earn between 10% and 15%.
My portfolio returns well over 15%.

14. What is your marginal tax rate (i.e., what tax bracket are you in)? %

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