Category Archives: mortgage

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

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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

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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

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Borrow Smart, Repay Smart: Why Budgets Fail

Dear Borrow Smart Family, The idea of regimenting your money spending can seem tedious, but it is well worth the effort. If you’re looking to get your money in order, there are 3 main blind spots to consider:   Why … Continue reading

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Borrow Smart, Repay Smart: Your Choices with Money

Dear Borrow Smart Family, How do we discipline ourselves to spend money wisely? As an everyday mortgage professional, I help people acquire the largest asset they have – a home. To help borrow the most amount of money they’ve ever … Continue reading

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Borrow Smart, Repay Smart: Prioritizing Your Cash Flow

Dear Borrow Smart Family, Managing your bills can be a juggling act. While ideally we pay everything off and save to our heart’s content, reality shows us that income waxes and wanes over time. A foundational piece of advice that … Continue reading

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Borrow Smart, Repay Smart: Paying for College (Part 3 of 3)

Dear Borrow Smart Family, Happy Monday! Today I wrap up Part 3 of a three-part series, that I created for you to help your children afford a college education. Saving for college is not for the faint of heart, ladies … Continue reading

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Borrow Smart, Repay Smart: Paying for College (Part 2 of 3)

Dear Borrow Smart Family, Happy Monday! A few weeks ago I shared with you Part 1 of Paying for a College Education; see my previous post here. We know that tuition costs can be prohibitively high; they have risen roughly … Continue reading

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Borrow Smart, Repay Smart: Week 23 – Three Steps to Creating the Financial Future You Want

Dear Borrow Smart Family, Happy Monday! I hope the sun is shining down on you. I wanted to share something below that I created for you. Mortgages, Money and Life is my 52-week lesson book, that guides the reader each … Continue reading

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Borrow Smart, Repay Smart: Week 22 – How Do You Define Financial Safety?

No ones likes to consider the worst when it comes to their finances, but it’s good to be prepared for anything. As the old saying goes, “Prepare for the worst, but hope for the best”. At Sierra Pacific Mortgage, it’s … Continue reading

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