gmhTODAY 15 gmhToday July Aug 2017 - Page 65

Your Financial Village By Jayson Stebbins Mortgage Professional Jayson Stebbins is a 23 year veteran of the Mortgage Banking industry and an Accredited Mortgage Professional through the Mortgage Bankers Association. He grew up in Morgan Hill and currently lives in Gilroy. He is the local Branch Manager of Guild Mortgage, a 56 year old mortgage banking firm. His office is in Morgan Hill and serves all of Santa Clara, San Benito, and Monterey counties. You can reach Jayson and his Team at 408-782-8800 or at jstebbins@guildmortgage.net With every new client we talk to, we like to send them a little welcome video and attached to that same email is a packet on the “How To’s” and “Do’s and Don’ts” of the Mortgage Business. I have come to love one of the pages, which has the names of four business partners that over the years have proven to be customer focused and excellent service providers. The purpose of that list is to make sure that clients have surrounded themselves with the right people to help them be successful. This is the financial village to help them get where they want to go, achieve their goals, and do it as quickly and prudently as possible. Now since they are already talking to me, they have a great Mortgage Loan Officer. So who else is in the village: Trust Attorney Once you own a home in California it is critical that your next step is to protect it. Putting your home into a trust and creating a will is a “peace of mind” event that should happen quickly after owning property. Financial Planner You have just made a very large purchase, and your financial life is different. Time to consul t with someone you can rely on to help you with the rest of your investments, whatever they may be. CPA (Certified Public Accountant) Filing your tax return is more complex when owning a home. Make sure you have an expert working on this for you. Insurance Agent Many people default to their car insurance company when they insure their home. But shopping around is not a bad idea. It may be that buying or refinancing is the perfect time to make sure you are property covered, and that you are not paying too much. That is the Financial Village, and every client we talk to gets a reminder to surround themselves with the right members of that village. And I have written about this in this space as well, but it bears repeating: don’t assume the internet is best. If you can shop and keep the business local, or at least allow for a local company to help you, you may be surprised that not only are the quotes competitive, but you have access the them at a much higher level than internet based companies or call centers. Actually I should add one more person to that village: Your Realtor. I work with Realtors all the time in my business...how could I forget them? Well I didn’t, but most of the time when I meet a family they already have a Realtor so they are in process and well covered. But if not, I refer them to Realtors that would be a good fit and have that magic word: Local. Putting together your village or your team is important, and getting all those people on your side and looking out for you creates a sense of stability and confidence in your financial world. Jayson Stebbins is a licensed mortgage agent in CA for Guild Mortgage Company NMLS#38463; Licensed by CA Disclosure: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS Company Unique ID 3274; Branch Unique ID 38480. The postings on this editorial don’t necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice. Equal Housing Lender. GILROY • MORGAN HILL • SAN MARTIN JULY/AUGUST 2017 gmhtoday.com 65 W ith every new client we talk to, we like to send them a little welcome video and attached to that same email is a packet on the “How To’s” and “Do’s and Don’ts” of the Mortgage Business. I have come to love one of the pages, which has the names of four business partners that over the years have proven to be customer focused and excellent service providers. The purpose of that list is to make sure that clients have surrounded themselves with the right people to help them be successful. This is the financial village to help them get where they want to go, achieve their goals, and do it as quickly and prudently as possible. Now since they are already talking to me, they have a great Mortgage Loan Officer. So who else is in the village: Your Financial Village Trust Attorney Once you own a home in California it is critical that your next step is to protect it. Putting your home into a trust and creating a will is a “peace of mind” event that should happen quickly after owning property. 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