January Financial answers the seven questions
most people ask before they do business with someone ...

In the ground-breaking book titled Mirror, Mirror on the Wall, Am I the Most Valued of Them All? by Leo J. Pusateri, the author does extensive research and discovers the seven questions most people want answered before they do business with someone. We want you to be completely comfortable with us, individually and as a company, before doing business with us so we’ve put the answers to those seven questions below!

1. Who are you?

We are licensed, highly-trained mortgage consultants who specialize in educating and enabling our clients. Our loan officers have a combined 32 years of experience in the financial services industry and we have all satisfied the rigorous demands of the California Department of Real Estate.

We are located in beautiful Laguna Hills California, right in the heart of Orange County. We specialize in educating our clients on equity management and providing the right mortgage tool for them to accomplish their goals; teaching them all about the various facets of investing in real estate; and providing investment opportunities to help build their net worth.

2. What do you do?

We help our clients choose the best real estate financing option for their home purchase or refinance in order to help them achieve their goals and realize their dreams. The process begins with an in-depth consultation in which our clients describe their goals and outline the things they would like to accomplish. We then present two to three of the best options available and allow our clients to choose the option that best fits their needs. We provide loan modifications and offer debt settlement and credit services for clients that need help working with their financial institutions so they can get back on their feet.

3. Why do you do what you do?

We believe that owning real estate is extremely important to American families for many reasons. Real estate is one of the best, if not the best, way for families to build wealth while providing shelter. We believe that owning real estate offers many advantages over other asset classes such as stocks, bonds, or CDs.

We also believe that real estate is extremely complicated, with over 20 people typically involved in a single real estate transaction including escrow officers, notaries, title officers, lender representatives, and real estate agents. Just like a good CPA or the family doctor, a trusted mortgage consultant is absolutely essential for a family’s financial well-being.

4. How do you do what you do?

The process starts with a conversation in which we talk about your situation and together we decide whether January Financial is the right company to handle your purchase or refinance. If we’re a good match for each other, great! If not, then we’d be happy to refer you to someone who may be a better fit for you and your needs.

Once we decide that we’ll be a good match, one of our experienced mortgage planners will work with you to help you find the best option for your purchase or refinance. Once you’ve decided on a course of action we diligently handle the transaction from beginning to end, keeping you completely updated along the way. Once the transaction is completed, the relationship doesn’t end! We will keep in touch with you by mail, phone, and email, letting you know what’s going on in the mortgage industry and making sure you’re aware of any important changes that may affect you.

5. For whom have you done this?

The United States has over 410,000 mortgage brokers, who served over 3.3 million clients in 2004. The state of California has 45,000 licensed mortgage brokers, who in turn served over 400,000 clients last year.

The mortgage planners of January Financial have served over 220 families helping with first time home purchases, upgrading or downsizing homes, debt consolidation refinances, refinances to improves rates or terms, or tapping equity to be able to invest in income-producing real estate. We bring this wealth of wisdom and experience to every transaction – including yours!

6. What makes you different?

Because a majority of our business comes from referrals, we don’t need to spend valuable time looking for new business. Therefore, we can make a 100% commitment to making sure your priorities are recognized and met and to guiding you through each stage of the process and beyond. As your trusted mortgage planners we are in business for the long term and are dedicated to building strong, lasting, lifelong relationships.

7. Why should I do business with you?

We don’t know if you should! Give us a call and we will ask you a few thought-provoking questions about your situation and your goals. We’ll let you know if we think we can help you accomplish those goals. If you don’t think we’re the right one for you, just let us know.