Brokers are Human and Brokers are Here to Help Borrowers

‍

Orion’s brokers meet, consult with, and help many clients. Each one is special, and each one has different needs, so brokers tailor your services to your client’s goals. Brokers also remind clients that their mortgage is most likely their single largest debt, and their home is most likely their single largest asset. For your clients who are purchasing a home, before they travel down the path to being a home owner, we recommend that brokers have their clients evaluate options in the context of their overall financial objectives.

Your initial conversation with a client will focus on the following. “What are your housing objectives and why? What does your current cash flow situation look like? What large expenses should be considered as you develop a budget for the future (college funding, retirement planning, elder care needs, etc.)? As we move through the spring homebuying season, it is important for us to understand the who, what, why, where, and when involved in your decision.”
‍
‍

Strategic Mortgage Planning: Where Expertise Meets Opportunity

‍

The second step should analyze and evaluate your client’s options. “What are your housing, debt planning and cash flow options? What, if any, mortgage products and strategies (offered by Orion) would be useful to you? What is the likely short and long-term impact of these mortgage options on your overall financial situation?”

‍

After discussing and evaluating your client’s options, brokers help clients begin to decide what plan of action will work best. Experienced brokers will coordinate the whole process with clients and other professionals such as CPAs, CFP professionals, attorneys, real estate agents, builders, insurance professionals, and other qualified advisors.

‍

Much has been made of artificial intelligence (AI) and how it may impact various industries. The mortgage industry is no different. Orion and our AEs look at technology the same way our clients do: if it can help, we are interested in learning more and possibly using it to help with a loan. But let’s face it: when a family is confronted with the biggest financial decision of their life, a human needs to be involved.

‍
‍

No Matter the Market, the Plan Stays Strong

‍

It is important to us that your client understands that mortgage planning is a life-long process as most of us see a flux in our financial situations from time to time. Your client should periodically assess their fluctuating cashflow needs, changing interest rates and market conditions, as well as family and life event changes. And through it all, regardless of political, or economic climate, Orion is here to help our brokers help your clients.

‍