"Mortgages are the largest transaction many people make in their lifetime," says consultant Brad Phillips of Mortgage Master Inc. "I help them undertake it so that it works out well, with no hiccups or snags to cause them additional stress during their divorce process." With years of expertise and experience in financing, Brad guarantees his closing costs – as well as the lowest interest rates, with the best loan program.

Efficient work from a committed team

"Our objective is to process loans quickly and give clients an experience that's expedient without hassles," says Brad." By relying on referrals and repeat business, Brad and his team maintain low operating costs, enabling them to offer the most attractive mortgage rates and loan programs available. "The best way to keep costs down is to do a good job for clients."

Brad acts as a Mortgage Planner who enhances clients' short- and long-term financial goals through long-term working relationships. "By managing their mortgages," he explains, "I'm like their stock broker or financial planner. I do this by offering a no-closing-cost loan, so their equity is not stripped away by ‘rolling in the fees,' by looking for value-driven opportunities and offering an annual mortgage review.

"I am a Certified Mortgage and Divorce Planning Specialist," he adds. "I work with clients who are either in the process of, or considering, a divorce and are anxious abut how they will pay their obligations and continue to live independently. I plan and protect their CRADLE-Credit, assets, dependents, life, and estate, so that they can exit their divorce fiscally intact!"

Advising and coaching clients on credit

"Our country is based on credit, including insurance, loans, car financing, credit cards, and checking accounts," Brad says. "So it's imperative to get good credit. There are lots of things you can do to maximize your credit score, such as maintaining a low credit balance to credit limit, ideally under 30%." So Brad takes the time to educate clients on using, restoring, and keeping credit wisely in order to get the best loan terms.

This is especially important after divorce, when shared debts can become a problem. "Just because the debt is in your ex-spouse's name doesn't mean creditors won't come after you. Contact all your creditors and make sure your ex-spouse's name is removed from any joint accounts," he advises. Did you know that being an authorized user can help or hurt your credit? Brad will explain what to do to avoid this and many other pitfalls that come with joint credit.

Satisfying customers with top service

"Treat people as you would want to be treated, and your solid reputation will quickly spread." This is one of Brad's and Mortgage Master's founding principles. A good listener who's always available to answer questions, Brad gives his full attention to clients' files. "I set expectations up front," he says, "informing clients of what I need from them in terms of documentation. I keep clients informed at least once a week. There are no last-minute changes: as soon as I find out something, I let the client know."

Proof of Brad's success comes in his testimonials. "Brad was very professional and easy to work with," one Illinois client says. "He was very prompt on all the deadlines." Another satisfied customer in Georgia says, "Brad took lots of time to answer my questions, even after-hours. He responded quickly when my house went under contract."

A smooth and easy loan transaction

For the lowest rates and the best service, look no further than Brad Phillips. "My goal is to make the loan process smooth and stress-free and deliver as promised," he says. "Experience isn't expensive – it's priceless."

For more information or to book an appointment, please contact:

Brad Phillips
285 Parkway 575, Suite 221
Woodstock, Georgia 30188
Phone: (770) 355-8351
Toll Free: (800) 205-9424
Fax: (404) 393-1138
Website: www.BradPhillipsUSA.com
e-mail: BPhillips@MortgageMasterInc.com

Brad Phillips has written the following article:

FAQs:

• "I'm worried about how my divorce will affect my financial situation. Should I refinance my home?"