First Time Home Buyers Move Up Buyers Frustrated Manufactured Home Owners We are here for anyone who wants to learn more about the Housing Decision Process. Understanding the process leads to a confident decision. I am a very special type of Financial Consultant, one who specializes in helping people with the Housing Decision Process. We have engineered comprehensive strategies to meet the challenges presented by anyones housing situation. Visit my websites to learn more about how I can help you make a Confident Decision or better yet call 800.210.5660 for a Free Qualifying and Affordability Consultation. Look us up...   Important Links... www.mfghometrade.com www.confidentdecision.com Pathway Real Estate LLC

HOME BUYER INFORMATION
	Home Buyer's Mortgage Process Learn about the process and the value provided by a quality Realtor and Mortgage Lender. Learn more...
Benefits of Buyer's Agency Don't overlook the benefit of having a professional Realtor on your side. Learn more...	Avoid the Ten Biggest Blunders You Can Make When Buying a Home Avoid these costly and common mistakes Learn more...
What Do I Need To Apply? A checklist of possible documents you might need to complete your home loan. Learn more...	Mortgage Mysteries Revealed Essential reading for Homebuyers, Refinancers and Renters! Learn more...
Important Mortgage Terms Learn the Language of your Loan Learn more...	Dos and Don'ts While Your Loan is in Progress Vital information on what to do and not do while your loan application is processing. Learn more...
Our Real Estate and Mortgage Newsletter Look at our current Newsletter. It is full of timely information about trends that affect the Real Estate Market. Be informed, make a "Confident Decision"! Learn more...
DEBT CONSOLIDATION AND REFINANCING
	Debt and Liability Management  Learn more...
How To Escape the Debt Rat-Race Learn how you can get out of debt, fast... Learn more...	Mortgage Calculator Calculate your payment and "What If" scenarios to determine how much you can save by refinancing your loan. Learn more...
9 Dirty Little Secrets Your Credit Card Company Hopes You Never Find Out! Find out the Truth about those Credit Card Companies Learn more...
SELLING YOUR HOME
How to get the best price for your home Trying to sell your house? Get this FREE Report! Learn more...	Home Selling Articles and Information PREPARING YOUR HOME FOR SALE // SETTING YOUR PRICE TO HIGH // LISTING YOUR HOME // MARKETING YOUR HOME // SHOWING YOUR HOME Learn more...
DANGEROUS LENDING MYTHS EXPOSED
Home Ownership Frustrations Not all Realtors and Loan Originators are focused on helping you make a "Confident Decision". Learn more about how frustrating the Home Buying and Mortgage Process can be when you are dealing with people who are not focused on the quality of your experience. Learn more...	The Truth About Having a Mortgage Company Run Your Credit This report discredits advice commonly given by predatory lenders who put their interests above the interests of their client's. Learn more...
The Truth About the 2 or 3 Year Fixed Rate Beware of Lenders who push a 2 or 3 Year Fixed Rate. This is an Adjustable rate mortgage that has potentially dangerous consequences if you are not in the position to refinance at the end of the initial fixed rate term. Learn more...
PERSONAL FINANCE PATHWAY
The Personal Finance Pathway Our Financial Alliance Partner Network helps you achieve financial success through the Personal Finance Pathway. Learn more...
CREDIT, HOMEOWNERSHIP AND PERSONAL FINANCE CONSULTATIONS
	Budgeting Consultations  Learn more...
Credit Improvement Program  Learn more...
FREE REPORTS
10 Questions You Must Ask When Interviewing a Mortgage Lender you want to be as well prepared as possible when making such a critical decision. Opt in by entering your email for this report. Learn more...
THE HOUSING DECISION PROCESS
	Helping You with The Housing Decision Process These are the seven areas of information that are essential to making a "Confident Decision". We have built our process around the Home Ownership Cycle to insure you have all of the information you need to make a "Confident Decision". Learn more...
	Housing Consultation  Learn more...
1) BENEFITS OF HOME OWNERSHIP
The Benefits of Home Ownership More than a house, more than an investment Check out the links in this report and learn how leverage can increase your return on investment (ROI)... Learn more...	Home Ownership Excerpt from Personal Finance Book Learn more about the benefits of home ownership from a financial perspective. Learn more...
2) LIFE TRANSITIONS
	Manufactured Housing Dilemma This information is a must for anyone who owns or is considering a manufactured home. This information could save you from making the biggest financial mistake of your life! Check out this presentation, it could change your life for the better. Learn more...
Divorce - Your House, Your Mortgage and Taxes What you need to know Learn more...
3) GET APPROVED!
Credit Improvement Process Here is the process. Let's us help you get the credit you deserve. Learn more...	Credit 101- Credit Management Here is your credit resource. Everything you need to know about credit, but were afraid to ask. Learn more...
Credit Improvement Service Brochure Credit improvement. You need someone in your corner. Give us a call for free assistance. Learn more...	Free Approval and Qualifying Consultation There is a difference between Approval and Affordability, "Get Approved" and take the first step towards owning your home! Learn more...
Credit Articles and Information Credit Information  Learn more...
4) AFFORDABILITY
Mortgage Calculator Calculate your payment and "What If" scenarios to keep you within your budget while considering a consolidation loan! Learn more...	A Budget: Opening the Door to Home Ownership No one can tell you how much you can afford. See for yourself. Learn more...
Housing and Financial Objectives How do you balance your housing objectives with your financial objectives, especially affordability. Learn more...
Affording a Home The main deterrent in buying a home today is not income or credit requirements but affordability learn about the key to affordability. Learn more...
5) HOUSING OBJECTIVES
FHA 203K LOAN PROGRAM BUY A HOME AND FIX IT UP WITH ONE LOAN! Learn more...	How To Stop Paying Rent and Own Your Own Home Every Month You Wait, You Flush Your Hard-Earned Money Right Down The Drain Learn more...
6 Steps to Help You STOP PAYING RENT What you need to know to buy your 1st home Learn more...
6) FIND THE RIGHT HOME
	Home Buying Articles and Information Things Not to Do Before Buying a Home // Why Buying a Home is a Good Idea // The Business Cycle and Buying A Home // Why Search for a Realtor // Tips for Buying a Home with Good Resale Value // Your Offer Price // FHA and VA Financing // Avoiding Buyer's Remorse  Learn more...
7) FIND THE RIGHT LOAN
Find the RIGHT LOAN! A great solution is a result of the comprehensive CCMC Approval Center Consultation Process. Learn more...	Testimonials A good referral is important to determine a lender's competence and integrity. Don't go into a mortgage transaction blind. Here are some of our references. We are currently updating this section of our web site. We have hundreds of references, thank you letters, client surveys available at our office for your review. Learn more...
15 Year Fixed Rate Mortgage A quick overview of this popular mortgage option Learn more...	Loan Articles and Information HOW MUCH CAN YOU AFFORD // DOWN PAYMENT // DOCUMENTING INCOME AND ASSETS // DIFFERENT TYPES OF LENDERS // WHEN YOUR REALTOR REFERS A LENDER // WHAT YOU NEED TO APPLY // CLOSING COSTS // RATES Learn more...
30 Year Fixed Rate Mortgage Learn about this standard mortgage option Learn more...	Adjustable Rate Mortgages (ARMs) The pros and cons on this mortgage option Learn more...
Biweekly Mortgage Savings: Bargain or Rip-Off? Biweekly payment programs are being heavily advertised right now for a fee is this right for you? Learn more...
PARTNERS
Financial Alliance Partner Network Learn how our Financial Alliance Partner Network can help you achieve your financial goals. Look at our list of partners who have agreed to uphold our Financial Alliance Partner Missioin Statement. Our mission statement is a code of conduct and ethics that guides us in serving our clients and their interests. Learn more...	Check out the Personal Finance Pathway  Learn more...
BUYER INFO
Get Pre Approved Now! Go to our main web page to begin your Pre Approval on our secure web server. Learn more...
REFINANCE
How To Escape the Debt Rat-Race Learn how you can get out of debt, fast... Learn more...	Get Pre Approved Now! Link to our secure website to begin a loan application. Learn more...
MISCELLANEOUS
Home Ownership Cycle The Home Ownership Cycle is the key to making a "Confident Decision". It helps make the process simple and enjoyable. Learn more...
MISCELLANEOUS
Questions? Have a Professional Mortgage Expert answer all of your questions... Learn more...