Author Archives: Trevor Hammond

About Trevor Hammond

As a veteran of the mortgage industry, Trevor Hammond is the co-author of "Borrow Smart, Retire Rich," a Certified Mortgage Adviser and a founding Faculty Member and Contributor to the National Institute of Financial Education (www.niofe.org). And he has provided thousands of homeowners with the clarity and confidence to make smarter decisions when it comes to their mortgages and money. In 2013 he launched an entirely new kind of mortgage company: Aspire Mortgage Group, which is committed to educating and empowering homeowners to increase savings, eliminate bad debt, and safely increase net worth. The specialized group of mortgage professionals at Aspire Mortgage Group have redefined what homeowners should expect from a mortgage company. To learn more about Trevor Hammond and our team of mortgage advisors please visit our website at www.aspiremortgagegroup.com or email Trevor directly: trevor.hammond@sierrapacificmortgage.com. Aspire Mortgage is a Sierra Pacific Mortgage Partner.

The 2 Most Important Decisions Each Day 

Every day, we have decisions to make. These decisions, compounded over time, ultimately determine where we end up. This is true with business, money, relationships, health, and so on. Success (or lack of) is usually not a one-time big decision. It … Continue reading

Posted in Uncategorized | Leave a comment

What is Gratitude?

I am so incredibly grateful for each and every member of The Borrow Smart Team and all that they bring to our team! What an awesome 2021 we have had together!    On that note, what IS ‘Gratitude’ you ask?  … Continue reading

Posted in Uncategorized | Leave a comment

‘Lunch Money’ – Monthly Training & Education to Help My Team Increase Their Fiscal Literacy & Confidence

This month I launched ‘Lunch Money’, a monthly training and education to help my team increase their fiscal literacy and feel more confidence around money as they build a path for a successful financial future!    This has been a passion of mine … Continue reading

Posted in Avoiding the First Financial Blind Spot, Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently, Blind Spot 4: Building a Wealth Team, Borrow Smart, Repay Smart, Creating Your Best Money Year Ever, life, money, planning | Tagged , , , , , , , , , , , | Leave a comment

Borrow Smart, Repay Smart: Kids & Money

  Dear Borrow Smart Family, Is your child a saver or a spender? One of our most important missions as a is to help our clients improve their financial literacy. By helping you make smart decisions with your money (even … Continue reading

Posted in Uncategorized | Tagged , , , , , , , , , | Leave a comment

Borrow Smart, Repay Smart: Avoiding the First Financial Blind Spot

Dear Borrow Smart Family, Blind spots are all around, preventing us from getting where we want to go. In our quest to transform the lives of every client through financial education and direction, we have identified four blind spots that … Continue reading

Posted in Emergency Cash Fund, Investing in Assets vs Debt, life, money, mortgage, planning | Tagged , , , , , , , , , | Leave a comment

Debt – The Good, The Bad, and the The Ugly – Part 2

Dear Borrow Smart Family, Debt is not something you should be ashamed of. But it is something that you should want to fix. The below is a continuation from last week: 1. If you have “bottomed out” on debt, if you … Continue reading

Posted in Bad & Ugly Debt, life, money, mortgage, planning | Tagged , , , , , , , , | Leave a comment

Debt – The Good, The Bad, and the Ugly – Part 1

Dear Borrow Smart Family, There are three types of debt, the “Good”, “Bad”, and “Ugly”. Let’s discuss the differences and provide some direction for addressing your debt-related issues. When discussing debt with clients, too often they express a sense of … Continue reading

Posted in life, money, mortgage, planning | Tagged , , , , , , , , , , , , , | Leave a comment

Borrow Smart, Repay Smart: Planning – Begin With The End In Mind

Dear Borrow Smart Family, Fast forward in time to December 2020. Imagine yourself sitting alone in your favorite thinking spot! Looking back over the previous 11 months, what HAS to have happened for you to be happy with your progress … Continue reading

Posted in Good, Gratitude, Leadership, life, money, planning | Tagged , , , , , , , , , , , | Leave a comment

Borrow Smart, Repay Smart: How much money should I keep in a savings account for emergencies?

Question: Hi Trevor! How much money should I keep in a savings account for emergencies? Answer:  Many financial professionals suggest that you put away three to six months’ worth of living expenses for emergencies. We actually call these funds “Cash Reserves,” … Continue reading

Posted in Emergency Cash Fund, money, planning | Tagged , , , , , , , , , , , , , , , | Leave a comment

Borrow Smart, Repay Smart: The Story of the Magic Penny

Dear Borrow Smart Family, If you had the choice between taking $3,000,000 in cold hard cash right now or a single penny that doubles in value every single day for 31 days, which would you choose? If you’ve heard this … Continue reading

Posted in Emergency Cash Fund, Good, life, money, planning | Tagged , , , , , , , , , , , , , | Leave a comment