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.

Borrow Smart, Repay Smart: Kids & Money

Posted on November 11, 2020 by Trevor Hammond

  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 →

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

Posted on October 27, 2020 by Trevor Hammond

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 →

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

Posted on October 5, 2020 by Trevor Hammond

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 →

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

Posted on September 28, 2020 by Trevor Hammond

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 →

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

Posted on September 22, 2020 by Trevor Hammond

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 →

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

Posted on September 14, 2020 by Trevor Hammond

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 →

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

Posted on September 8, 2020 by Trevor Hammond

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 →

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Pole Pole! A Lesson from Climbing Kilimanjaro

Posted on August 31, 2020 by Trevor Hammond

*Repost from November, 2016 Having just gotten back from climbing the highest mountain in all of Africa, I can say that the journey on Mt. Kilimanjaro taught me many lessons. What was the most important one? Set crazy, big goals … Continue reading →

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Borrow Smart, Repay Smart: Manage Your Energy FIRST

Posted on August 24, 2020 by Trevor Hammond

Dear Borrow Smart Family, I’ve been doing some studying on emotional energy.  Your thinking.  Your feeling. Your vibe, so to speak.  (Which comes from ‘energy vibrations’.)  And how all this impacts our ability to lead our families, build at work, and have the … Continue reading →

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Borrow Smart, Repay Smart: Four Reasons You Might Want to Consider Refinancing

Posted on August 17, 2020 by Trevor Hammond

Dear Borrow Smart Family, Owning a home and building equity opens up many opportunities. As a homeowner, there will be times you wonder if refinancing your mortgage makes sense. Rightly so, as there are quite a few reasons getting a … Continue reading →

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