Eliminate PMI. Shorten Your Term. Pull Cash for Upgrades.
Ask us how to turn your mortgage into a wealth-building machine.
In today’s rate-obsessed world, most homeowners ask one thing:
“What’s the rate?”
The Mortgage Planner- reminds us, what truly matters isn’t just your rate.
It’s the real cost of your loan, how you strategically use your mortgage, and whether you're missing hidden equity or tax-saving opportunities.
Let’s unpack how a quick Annual Review can unlock $30,000 to $60,000 in savings—without needing to move or refinance blindly.
1. Eliminate PMI and Boost Monthly Cash Flow
Private Mortgage Insurance (PMI) might have helped you get into your home, but keeping it too long can quietly drain your wealth.
Most homeowners can cancel PMI once their loan-to-value (LTV) hits 80%, but few realize they’re eligible—or how to request removal.
With home values surging over the last few years, many of our clients are dropping PMI early and redirecting those savings to:
Monthly cash flow
Home upgrades
Debt payoff
Accelerated mortgage payoff
Want to know if you’re eligible? Let’s run the numbers in your Annual Review.
“74% of clients make the wrong initial decision based on goals never discussed with their loan officer.”
2. Shorten Your Term. Slash Your Interest. Own Your Home Sooner.
How would it feel to own your home 7–10 years earlier—and save tens of thousands in interest?
Refinancing or restructuring your current loan into a 20, 15, or even 10-year term often:
Increases equity faster
Saves $30,000 to $60,000+ in total interest
Creates massive long-term wealth through debt freedom
Our Effective Rate Analysis shows not just your rate—but what you’re really paying over time.
“That’s the rate you’re really paying… let me show you how to take control.”
3. Tap Equity for Upgrades (Without Wrecking Your Financial Plan)
Kitchen remodel? New roof? College tuition?
Instead of putting those costs on high-interest credit cards or draining your savings, consider using your home’s equity through a smart cash-out refinance or home equity line of credit (HELOC).
The difference?
Advice vs. a fee sheet.
78% of loan originators just give you a rate quote.
Only 22% provide tailored advice.
4. The Mortgage Planner Advantage: Advice, Not Just a Loan
When you work with Brad Roche and our team, you’re not just getting a transaction—you’re stepping into a lifetime mortgage management plan.
Here’s how we help you win:
Annual Review Service – Like a checkup, but for your mortgage
Passport to the Carolinas – Local perks, relocation services, and WOW extras
No-Cost Loan Strategy Sessions – Advice before you ever commit
World-Class Concierge Service – Before, during, and after closing
We treat your money like it’s ours. That’s why we obsess over every deal, every fee, every savings opportunity.
5. Why Now? Why You? Why Us?
The truth is: the best time to review your mortgage is today.
Whether rates are up or down, we’ll help you spot the rate spread, uncover your effective rate, and explore options to save, eliminate PMI, or tap equity the right way.
“The plans of the diligent lead to abundance…” – Proverbs 21:5
🔍 Ready to See Your Savings?
Ask us how we’ve helped clients eliminate PMI, shorten terms, or fund upgrades while saving $30K to $60K in interest.
You’ll leave with:
A personalized loan analysis
Strategic options (without pressure)
A plan aligned with your goals and timeline
Schedule your Annual Review here: www.TheMortgagePlanner.live
📞 Or call us now at 704-728-0191
BONUS: Sponsor 2 Friends or Family for a Free Mortgage Review
Refer two people and receive our Ticket Pack or Pizza Delivery Night on us!
Because giving what you want… is how we roll.