Florian Steciuch

About Us:

Benchmark Mortgage is committed to assisting homeowners achieve their dreams. We lend with integrity, customer centricity and competitiveness. Our product is SERVICE. Our special value-add is FINANCIAL ADVICE. Our competitive edge is OUR PEOPLE. We are trusted financial advisors to an ever-broadening base of clients nationally.

Our vision continues to be one of going fom "good" to "great." This has not been a task. It's a journey. We want to totally satisfy our customers' mortgage needs and become one of America's premier mortgage banking companies.

We want to be known by our customers as mortgage planners, offering sound financial advice, innovative & highly competitive products and outstanding service. We base our relationships with all constituents on the following core values:

RELATIONSHIPS * POSITIVE ATTITUDE * DYNAMIC * SUCCESS * EXCELLENCE

Our clients will come to us for personal, localized, responsive and friendly service. We want to assure them that we'll respect the confidentiality of their private information. We'll offer them speed, convenience and on-time closings. Our unique technology platform gives us the power to deepen these relationships, create new products and services, and provide superior service.

Importantly, we desire to be a company that is known by its team members. We want to be known as a company that believes in people as a competitive advantage. We want to be heralded as a great place to work, an employer of choice, a company that really cares. We want it known that Benchmark Mortgage understands the value that people can bring and that we encourage innovation; new and better ways of serving customers. While most lenders spend their time looking for the "next" client, we spend our time implementing systems designed to exceed our client's expectations. Our commitment is to deliver world-class service and provide sound financial advice to every client.

We at Benchmark Mortgage pledge to be advocates for our customers. We want to put them at the center of everything we do. We strive to develop "Client's for Life" by exceeding our client's expectations and providing Raving Fan Service. We want our clients to be so satisfied with our services that they gladly REFER us to their family, friends, and business associates who are in need of a certified mortgage planning specialist.

Our mission is to build strong, lifelong relationships one person at a time. Please take a minute and visit our website to learn more about the members of Benchmark Mortgage.

Certified Mortgage Planning Specialist

Why do you need a Certified Mortgage Planning Specialist?

Source
Why do you need a Certified Mortgage Planning Specialist?
The CMPS Institute
http://www.cmpsinstitute.org/public/menu

Mortgage Planning Defined

Mortgage Planning Process Checklist

Mortgage Planning is about building relationships, not just conducting a transaction. As such, it requires a defined system of accountability in order to work effectively. The Mortgage Planning Process consists of the following five steps. Always keep these in mind and reference them when working with your mortgage planning specialist!

1. Establish and Define the Client-Planner Relationship

Mortgage Planner Should:

• Ask you for information about your financial situation and your time frame for results and success.
• Gather all the necessary documents before giving you the advice you need.
• Clearly explain or document the services they will provide to you.
• Explain how they will be paid and by whom. Unless you are willing to pay a flat fee for mortgage and real estate equity advice, mortgage planners are typically compensated through a commission structure set up with the lenders they work with.

You Should:

• Clearly explain how financial decisions are made in your household and include all the key decision makers in consultations with you will be.
• Be prepared to share personal and financial information with your mortgage planner in order for them to be able to advise you on how best to achieve your goals.

2. Analyze and Evaluate Your Financial Status

• The mortgage planner should analyze your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing your credit situation, real estate equity, debt situation and cash flow.

. Develop and Present Mortgage Planning Recommendations and/or Alternatives

• The mortgage planner should offer recommendations that address your goals based on the information you provide. The mortgage planner should go over the recommendations with you to help you understand them so that you can make informed decisions.
• The mortgage planner should also listen to your concerns and revise the recommendations as appropriate.

4. Implementing the Mortgage Planning Recommendations

• You and the mortgage planner should agree on how the recommendations will be carried out.
• The mortgage planner may serve as the "coach," coordinating the whole process with you and other professionals such as CPAs, CFP® professionals, attorneys, Realtors, builders, insurance professionals and other qualified advisors.

5. Monitor the Mortgage Planning Recommendations through a Quarterly or Annual Mortgage and Equity Management Review

• You and the mortgage planner should agree on how you will both monitor their progress toward achieving their goals.
• During this review, your mortgage planner can adjust their recommendations, if needed, as your life changes. Most often, this process involves periodic assessment of:
  • Your client's fluctuating cash flow needs.
  • Changing market interest rates and mortgage strategies.
  • Income and career alterations.
  • Family changes including:
    • Children's financial needs
    • Caring for elderly parents
  • How your real estate equity and investments are performing from both a cash-flow and "internal rate of return" perspective.