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Deciding which home mortgage is right for you can have a big impact on your financial
well-being. As part of the financial planning process, your Hantz Financial Services
(HFS) advisor, working with a licensed loan officer, will analyze your mortgage financing needs before making a recommendation.
Our process includes an extensive case study by your financial consultant and his
or her team of other specialists in order to ensure that we have explored all options
before making any recommendations.
We realize that both performance and a timely delivery are important in the mortgage
process, so we work closely with you to ensure that your deadlines are met.
At Hantz Financial Services (HFS), we are able to:
- provide you with a superior product through our knowledge of your long-term goals
- take advantage of advanced mortgage technologies to close your mortgage quickly
- quickly respond to changes in the mortgage industry and help you take advantage
of new programs as they are introduced.
There are many loan programs available, and we’ll find the one that best fits your
To help determine the best loan program for you, you should consider the following:
How important is long-term payment certainty?
A fixed rate
mortgage will allow you to create a long-term budget because the payments are
constant over the life of the loan.
FIXED RATE MORTGAGE: A fixed rate mortgage offers a fixed payment for the term of
the loan. The term can be for 10, 15, or 30 years. These mortgages typically don't
have a pre-payment penalty - meaning that if you pay the mortgage off early, you
will not have to pay a penalty.
How important is quickly building up equity?
If your goal is to pay off your home quickly, then take advantage of the lower rate
on a shorter-term loan, such as a 10-year or 15-year fixed rate mortgage.
In the next five years, do you anticipate your income to increase or remain stable,
or are you planning to move?
Take advantage of an
adjustable rate morgage. These programs start out with a lower interest
rate for a fixed period of time, and then the rate fluctuates at a later date
ADJUSTABLE RATE MORTGAGE (ARM): An adjustable rate mortgage has an interest rate
that fluctuates based on an index plus a fixed margin, which will impact the associated
payment. The rate is typically fixed for a certain period of time - which can be
3, 5, 7, or 10 years - after which the mortgage payment increases or decreases based
on the index.
For a free no-obligation consultation, please provide us with your contact information
and a Hantz Financial Services (HFS) licensed loan officer will contact you to answer any questions
you might have about your mortgage needs.
Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies,
including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC
(an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC
(specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an
employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz
Technology, LLC (a computer technology company), Hantz Group Sports &
Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor
soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC
(a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz
Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real
estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.