START YOUR HOMEBUYING JOURNEY HERE
Buying a home is a major financial decision! That's why we've built our business very differently from most other mortgage providers. Our unique Financial House Plans process combines a detailed mortgage preapproval evaluation with a comprehensive financial analysis. This combination of services provides our clients with complete confidence while they are home hunting. More importantly, they have total financial peace of mind after settlement! We'll help you at every step along the way to closing, as well as providing financial guidance that can help you save money. Our overriding mission is to help develop financially independent clients through home ownership and practical financial planning. Start your journey today by completing the mortgage preapproval application link below!
OUR UNIQUE FINANCIAL HOUSE PLANS PROCESS
The first step in the home buying process is to find out what your max budget will be for home price. Don't fall in love with a home first and then find out that you can't buy it! Our mortgage payment analysis and mortgage preapproval will let you know your specific buying power. We start by asking what you want. What payment could you feel comfortable with when you sleep at night? From there we can determine your price range. Your preapproval is totally unique to you - your credit scores, your down payment and your debt-to-income. When you start shopping with your Realtor, we want you to fall in love with the home that fits you and have peace of mind that you can afford it.
Unlike most other lenders, we will also provide extra effort to give our clients financial peace of mind about their new home and new mortgage payment. At the same time that we do your home payment analysis and mortgage preapproval, we will also work with you to find what we call "hidden money." This additional step makes our process VERY unique. Our goal is to help you find any areas where you may be unknowingly over spending. The most common culprits are insurances or taxes. ALL of your finances need to work together! Please take a few minutes to watch our "Financial House" video. There is no additional cost for this comprehensive customized plan.
What if you don't get preapproved for the mortgage loan amount that you need to buy the kind of home that need or want? The reason you can't be preapproved for a higher loan amount is that your current monthly debt obligations take up to much of your monthly income - making your debt-to-income (DTI) ratio is too high. When this happens, we will provide a specific written debt-to-income improvement plan showing you the most efficient way to eliminate monthly debt payments to lower your DTI. This is NOT a credit repair program, but it will also help improve credit scores. There is no additional cost for this customized plan.
What if your credit score is too low right now to qualify for a mortgage? We can help you with an improvement plan. Our personalized approach will guide you through actionable steps, such as understanding your credit report, making timely payments, and managing your credit utilization. We're committed to helping you achieve your homeownership goal, even if it takes a little time and effort to get there.
Prior to settlement, we will help you secure a home insurance policy. The most important thing is that you get the correct coverage for your new property. We'll make this step very easy with a company that can shop 55 national and regional carriers. They will also see if they can save you money before settlement by bundling your home and auto coverage. It doesn't happen every time, but we have had many clients lower their auto prices just before settlement.
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After settlement, we will help you make sure that your family has a mortgage pay off program in case an income provider dies, leaving the family to pay the mortgage and other obligations on one income (or even worse no income for a stay at home parent). If you need two incomes to qualify for your mortgage, then you absolutely need protection if one cannot continue. We can provide a "Return of Premium" policy that can match your loan amount and mortgage term length, but return all premiums paid at the end of the term period. Please take a few minutes to watch a short video that explains how mortgage payoff protection works.
Somewhat similar to mortgage payoff insurance, we could instead help you provide coverage that would allow your income to continue if you would die prematurely. Auto insurance replaces vehicles. Home insurance replaces homes. Life insurance does not replace life. But it can replace the loss of an income for a family. Please take a few minutes to watch a short video that explains how income replacement insurance works.
After settlement, we will help you make sure that your family has a living benefits program that can pay your mortgage payment if an income provider has a chronic illness, critical illness or terminal illness and can no longer work. Please take a few minutes to watch a short video that explains the living benefits protection of disability mortgage insurance.
Acquiring a home is a significant life event and a major asset, making a will an essential document for new homebuyers. A will allows you to clearly designate who will inherit your property, ensuring your home goes to your chosen loved ones and not to default beneficiaries determined by state law. It also enables you to appoint an executor to manage your estate, streamlining the process for your family during a difficult time. Without a will, your home could be tied up in a lengthy and costly probate process, potentially leading to family disputes and outcomes you wouldn't have desired. Some of our mortgage payoff and income replacement policies provide a free will, living will and power of attorney.
After settlement, we will provide a written plan designed to pay off your mortgage faster and reduce the actual amount of interest paid using the same monthly amount budgeted for all debt payments. This strategy can help you save thousands of dollars over the life of your mortgage and cut years from your debt freedom date. It's not magic - it's just math. Having a specific debt elimination plan can help you save or invest more money for your future. When you eliminate debt faster, you can save more sooner. There is no additional cost for this customized plan.
After settlement, we will also provide a written plan designed to grow your equity faster using the same monthly amount budgeted for all debt payments. This strategy can help you buy a move up home, buy an investment property or even retire earlier. There is no additional cost for this customised plan.
It is wise to get a home warranty when you buy a home because it provides financial protection against unexpected repair or replacement costs for major systems and appliances. This can save new homeowners a significant amount of money, especially in the first few years when unforeseen issues are more likely to arise. Ultimately, a home warranty offers peace of mind, allowing you to settle into your new home without the immediate stress of potential large, out-of-pocket expenses for covered breakdowns.
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FREQUENTLY ASKED QUESTIONS
I do like what I see and I'm interested to learn if I can improve my current finances before buying a home. Before I decide to move forward, can I contact you to ask a few questions?
Of course! The most important thing is for you to feel 100% clear and absolutely comfortable. The easiest option for most people will be to text at 223-403-0192.
You can also email at louxteam@financialhouseplans.com.
What documents will we need for our initial financial consultation?
Two recent pay statements
2023 & 2024 W2's
2023 & 2024 tax returns (2025, if completed)
Auto and renters insurance declaration pages
Personal life insurance policies
Recent credit card statements
Current auto loan statements
Current 401k, 403b or IRA statements
Current investment account statements
Current bank checking and savings statements
OUR TRUSTED PARTNERS
Dean Loux
Steve Burris
Paula Loux
Residential & Commercial
Lending Expert
223-403-0192
Paula Loux
Steve Burris
Paula Loux
Mortgage Protection
Insurance Expert
717-271-1163
Emily Hilt
Steve Burris
Steve Burris
Home & Auto
Insurance Expert
223-244-5544
Steve Burris
Steve Burris
Steve Burris
Health Sharing
Health Coverage Expert
405-414-5979
Theano Shively
Theano Shively
Theano Shively
Credit Score Improvement
Credit Expert
610-698-7523
Todd Diehl
Theano Shively
Theano Shively
Real Estate Investment
Investment Property Expert
717-208-4886
Daniel Fisch
Theano Shively
Daniel Fisch
Real Estate Investment
Commercial & Business Expert
570-616-7115
Loux Team
Theano Shively
Daniel Fisch
Legal Protection
Will & Trust Expert
223-403-0192
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In today’s market, loan officers need something that makes them unique compared to the typical average Mortgage Loan Officer. Trying to compete on with low rates, being fast to close, having lots of programs or answering your phone (which are the most common things LO’s try to sell) will not work with Realtors who produce. They've already found that…. We think the key is providing more.
We offer our lenders a very different business model. We help our Loan Officers to elevate their roles to Loan Officer Plus.
We not only offer mortgages, but also provide debt-to-income improvement planning, mortgage interest reduction and home equity acceleration plans, along with other financial services like home insurance, mortgage payoff insurance and disability mortgage protection that home buyers will need as part of the buying process. This also gives our loan officers potential for multiple commission steams.
We have a total of 200+ QM, non QM and commercial lender options. Many of our lenders offer some of the lowest rates in the market. For those new to the business, our “Earn As You Learn” training provides both direct individual mentorship and corporate virtual support. Very competitive comp for experienced loan officers - retention is extremely important to us. Flexible time and work from anywhere.